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REMEMBER you are not under any obligation to accept any terms offered to you. This form may be used for any type of loan. This form forms the basis of an agreement, the terms of which may differ from the terms requested herein. Before submitting the form please read the Terms and Privacy Statement and IMPORTANT INFORMATION at the foot of this page



IMPORTANT INFORMATION

Instalment Loans Representative APR - For Lenders charging an interest rate of less than 100%. Representative 33.6% APR. Representative Example: £2200 borrowed for 36 Months. Total Amount Repayable is £4172.37. Interest Charged is £1972.37, Interest Rate 29.9% (Variable).
Representative Example: 1212% APR variable.  £300 borrowed over 30 days would equal total borrowing of £372.
Deposit of loan could take 2-3 days depending on your bank and lender approved with.
Guarantor Loans: Representative Example:£4,000 over 4 years, representative 42.9% APR fixed. Monthly payment £158.90. Annual interest rate 36.24% fixed. Interest payable £3,627.20. Total repayable £7,627.20.
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Note: the APR you are offered may differ depending on the lender that accepts you.

1st Loans is a trading style of Joel Malach. We are authorised and regulated by the Financial Conduct Authority. Firm registration number 720851. Data Protection Licence Number: Z8904952
Registered Office: Warwick House, Lowes Road, Manchester. BL9 6PJ

1st Loan may receive a fee/commission for either referral or completion of your loan application.
1st Loan is not a lender but a broker that has access to multiple lenders across the UK. We cannot lend you finance ourselves - only refer you to a lender who can.
Payday Loans should be used for short term lender purposes only - not as part of a longer term financial option. Not all lenders will offer a 100% online decision - some may require to speak to you or require further forms of identification or details to check affordability. You will be credit checked by lender(s) to determine if you can be approved a loan.

1st Loan is a responsible broker, and as such, would not be able to help if you are looking for us to pay out a loan to someone who is unemployed or receiving benefits as a primary income, who is in financial difficulties or cannot afford to make full loan repayments.

Please see our Responsible Lending Code of Practice for further information or for contact details of organisations who can help people in financial difficulties

 

Cost cap for high-cost short-term lending
Where a broker or affiliate offers you a high cost short term loan, they will ensure that you do not enter into any agreements for high-cost short-term credit which would exceed the cost cap for high-cost short-term lending. There are three elements to the price cap: (1) an initial cost cap of 0.8% per day – interest and fees charged must not exceed 0.8% per day of the amount borrowed (2) a £15 cap on default fees – if borrowers default, fees must not exceed £15. Firms can continue to charge interest after default but not above the initial rate; and (3) a total cost cap of 100% - borrowers must never pay more in fees and interest than 100% of what they borrowed. Please see the relevant lender's website for full details.

Personal Loans: Rates from 5.7% to 278%. Representative 51.1% APR. Representative example: £2,000 borrowed for 24 months. Total amount repayable is £6,512.44 in 24 monthly instalments of £271.36. Interest charged is £4,512.44, interest rate 112.8% (variable)

Short Term Loans: Rates from 278% to 1576%. Representative 305.9% APR. Representative example: £400 borrowed for 90 days. Total amount repayable is £561.92 in 3 monthly instalments of £187.31. Interest charged is £161.92, interest rate 161.9% (variable)


* Deposit of loan could take 2-3 days depending on your bank and lender approved with.
Note: the APR you are offered may differ depending on the lender that accepts you.
Click here to see our Terms and Privacy Policy
High-cost short-term credit is expensive as a means of longer term borrowing. It is unsuitable for sustained borrowing over a longer period.
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk
1st Loan is a trading style of Joel Malach - Authorised and regulated by the Financial Conduct Authority. Firm registration number 720851. Data Protection Licence Number: Z8904952.
1st Loan may receive a fee/commission for either referral or completion of your loan application.
1st Loan is not a lender but a licensed Credit Broker that has access to multiple lenders across the UK. We cannot lend you finance ourselves - only refer you to a lender who can.
Payday Loans should be used for short term lender purposes only - not as part of a longer term financial option. Not all lenders will offer a 100% online decision - some may require to speak to you or require further forms of identification or details to check affordability. You will be credit checked by lender(s) to determine if you can be approved a loan.

 

 

WARNING: LATE REPAYMENT CAN CAUSE YOU SERIOUS MONEY PROBLEMS. FOR HELP, GO TO MoneyAdviceService.org.uk