Frequently asked questions

Applied for a loan? Here is what you will need. Applying takes about two minutes. You will need a valid email address, and you will create a secure client account with a password so you can track everything in one place. During the application you choose the amount, term and currency that suit your needs. After you submit, a short list of supporting documents will move your application forward. Our team reviews the information you provide, and if anything is missing we will let you know exactly what is needed next.

The initial application form is short and typically takes around two minutes to complete. Once your documents are uploaded and your application reaches our review queue, our team works through it in priority order. Many clients hear back quickly, and funding can often be arranged the same day your loan is approved and disbursed. Please keep in mind that review and funding times can vary depending on our workload and the completeness of the documents you provide.

We aim for same-day funding once your loan has been approved and disbursed. Disbursement means your repayment schedule is created and the loan amount is recorded as released to you. The actual timing can depend on practical factors such as the way you and your banking arrangements handle transfers and the completeness of the documentation you have provided. You will always be able to see the latest status of your application in your client portal.

You can choose any currency that is currently enabled and shown during the application. The list is controlled centrally, so the options you see are always the ones active at the time. Your loan is denominated in the currency you select at application, and amounts are formatted with the correct locale so you always see your figures exactly as you expect.

Yes. You can settle your loan before the end of the scheduled term at any time. When you settle early, interest is recalculated based on the principal still outstanding, so you only pay for the time the loan was actually outstanding. Settling early typically reduces the total interest you would otherwise have paid, and there are no early-payoff penalties in our standard terms. Ask our team for a settlement amount and we will confirm the exact figure before you commit.

If a payment becomes overdue, your loan is automatically flagged so our team can follow up with you. We aim to work with you to find a practical way forward, so please contact us as soon as possible if you think you might miss a payment. Late fees, where they apply, are always added manually following an explicit, documented decision. They are never calculated automatically. We will discuss any overdue amount with you through your portal and the contact details you provided.

We use a standard, transparent method called equal monthly amortized installments, based on a nominal annual interest rate. In plain terms, you make the same payment amount every month and each payment is split between interest and reducing your principal. Your total cost is shown clearly before you commit, including total interest and total repayable amount, so there are no surprises. The final installment absorbs any small rounding difference so the loan is fully repaid exactly on schedule.

Every payment you make is recorded against your repayment schedule and shown in your payment history inside your client portal. Each payment is first applied to the earliest unpaid installment. If you pay more than the amount due, the extra goes directly toward reducing your principal, which can lower the total interest you pay over the life of the loan. You will always be able to see what has been credited and what is still outstanding.

Your information is handled with care and stored securely. We use modern security practices including encrypted communication, hashed passwords and access controls that limit who can view your data. Sensitive files such as supporting documents are stored in a protected area away from the public part of the site and can only be accessed with proper authorization. We do not sell your personal information.

The documents requested depend on your application and are set by our team. As soon as you apply, your client portal shows an up-to-date checklist of exactly what is required. Typical items include a form of identification and proof that helps us verify the details you provided, but the exact list is always shown to you at the time. You can upload files directly and securely from your portal, and our team will review them and confirm when everything is in order.

Before a loan is disbursed, we can usually help you adjust the amount, term or currency of a pending application. Since these choices affect your repayment plan, any change is reviewed by our team to make sure it still fits your situation and stays within the available terms. Once a loan has been disbursed and your repayment schedule has been generated, changes are limited, though early settlement remains available at any time.

We welcome first-time borrowers and aim to make the process approachable. Every application is reviewed individually on its own merits rather than through an automated decision. Because each case is assessed manually, we look at the full picture and not just a single figure. The best way to find out whether a loan is right for you is to use the calculator for an estimate and then apply. There is no obligation beyond completing your application.