Frequently Asked Questions
We do not claim that this page is by any means complete or exhaustive. If you have any comments or additions that you believe would improve the service we offer, please contact us.
Part One: About Loan 'n' Go
Quick Links
Part Two: General Loan Questions
Quick Links
Part One: About Loan 'n' Go - Answers
Q How long will the application process take?
A It shouldn't take you any more than 5 minutes to complete the application form. You will receive an in principle decision within 15 minutes. Once we have matched your details to the relevant lender(s), they will send you the documentation that you need to complete in order to receive your loan. The quicker you complete the documentation and return it to the lender, the quicker you'll receive your loan. If you have applied for an unsecured loan, the process can typically be completed within 48-72 hours. |Return|
Q Where can I find your Terms & Conditions/APR rates?
A Our Terms & Conditions and APR rates can be found on the application form. Alternatively, you can click here to open them in a new window. |Return|
Q Will I incur a credit check during the application process?
A As a broker, we will not perform a credit check. However, most reputable lenders do. Some lenders may query your credit score with a reference agency when considering your application, and this may happen before receipt of your signed documentation. |Return|
Q I haven't received my confirmation email - what should I do?
A If you use a HOTMAIL or AOL email address it's possible that your confirmation email may take longer than 15 minutes to deliver - please be patient.
Please note: Your email provider may move our emails into your 'junk' or 'spam' folder - please ensure that you check these folders before contacting us. |Return|
Q How do I cancel my application?
A You can cancel your application at any time by contacting us. |Return|
Q Do you accept applications from the US?
A No. We only accept applications from persons residing in the UK. |Return|
Q I have entered the wrong date of birth/telephone number/email address in my application - what should I do?
Simply drop us a line using our contact form stating the amendments you would like us to make to your application. |Return|
I can't proceed past a certain stage of the application form - what should I do?
A The application form will not allow you to proceed if you have entered insufficient/erroneous information. When you click the 'next' arrow to proceed, the form will prompt you to amend any incomplete or unsatisfactory information. Common errors are:
- Incorrectly entered telephone numbers and email addresses
- Incomplete home addresses (especially house/flat number)
- Incorrectly entered dates, such as 12/20/1980 - all dates need to be entered in the format DD/MM/YYYY.
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Part Two: Loans - Answers
Q I have previous credit problems - can I still obtain a loan?
A We have already helped thousands of customers who have experienced credit problems in the past. So you really don't have to worry if any of the following applies to you:
- CCJs - Most banks automatically refuse customers with previous CCJ's but not us! Our lenders have loan plans to fit most situations subject to your ability to repay the loan.
- No equity or negative equity - You can take advantage of our loans even if you have little or no equity in your home. Many of our plans allow you to borrow up to 110%, 115% or even 125% of your property value and still take advantage of some of the very best rates available
- Mortgage arrears - Unlike most banks, our lenders do not rely on rigid computer programmes to asses your application, and therefore could still help even if you have fallen behind with mortgage payments or had problems in the past
- No proof of income - More and more people work for themselves or are unable to prove their income, as they undertake contract or season work. But don't worry - we treat each client as an individual. As long as our lenders are sure you can afford the loan, you will find that they are much more flexible as they look at your application on an individual basis
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Q What are the repayment terms on a Loan 'n' Go loan?
A Your repayment term will depend in the amount you borrow and your personal circumstances. You can also choose a repayment term that suits you. Don't worry if all this sounds a bit complicated, or you don't know which you want, Loan 'n' Go will help to find the most appropriate loan for you. |Return|
Q What if I want to repay my loan early?
A With Loan 'n' Go, there's no need to worry about the commitment of taking out a loan. If you're circumstances change, our lenders allow you to repay the loan back at any time. The method of calculating the amount of money required on early redemption will be stated in the loan agreement. |Return|
Q Do we offer loan repayment protection?
A We will search all of our different lenders to find the right loan for you. Each of our lenders also offer a range of payment protection plans. Some of the benefits they include are:
- Involuntary unemployment cover
- Hospitalisation cover
- Accident and sickness cover
- Disability cover
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Q Where can I find more information?
A If you require any further information, you can either:
- Contact us by clicking here or
- Visit the OFT's (Office of Fair Trading) website
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