FAQ and HELP

Who are Yes Loans?

We are a member of the Yes Loans group of companies and one of the UK's largest non-standard unsecured loan processors.

What can Yes Loans offer me?

Yes Loans have access to a wide variety of financial products and related services offered through our group companies and affiliates including Unsecured Loans, Secured Loans, Car Finance, Personal Health Plans, Debt Management, Utility Switching, Pre-paid Debit Cards, Various insurances for your Home, Car and Pets.

How long will it take to get a decision on my loan application?

Usually 4 - 5 working days from date of application.

How much can I borrow?

For Unsecured Loans (available to Tenants and Homeowners) from £500 to £25000. For Secured Loans (available to Homeowners only) from £3000 to £200,000, depending on your individual personal circumstances.

From applying how long will it take for me to receive the funds?

Usually within 5 - 7 days of receiving a loan offer from a lender.

What can I use my loan for?

Any purpose.

Can I consolidate my existing debts with the loan?

Yes.

Can you accept applications from people with bad credit history?

Yes - we have been successful in finding financial solutions for all sorts of people with a variety of credit histories.

How do I apply?

You can apply instantly by filling in our on-line application form or call 0845 344 3435

What will happen after I apply?

You will receive an Application Form in the post so that you can confirm the information that you have given to us. Once this has been returned your application will be processed and passed to a lender.

What information will you need for my application?

Name, residential address(es) for past 3 years, date of birth (you must be 18 or over), employment details and some financial details.

How long do I have to repay my loan?

Normally between 12 and 60 months - this will be determined by a lender depending on your individual personal circumstances and the amount borrowed.

I'm married; do I need to make a joint application?

No - but it may help your application if your spouse (or partner in a Civil Partnership) is the main earner.

What do you accept as income?

Weekly wages or Monthly salary - you must work 16 hours or more per week and have a take home wage of £600 or more per month.

What forms of identification do you accept?

These are determined by the lender, but generally a driving license, passport, household utility bills, bank statements are acceptable forms of ID.

Can I come back and borrow again in the future?

Yes certainly, depending on your payment history and total borrowings you can be considered for an additional or top-up loan. Please contact us for further details.

What is the Interest Rate (APR) for the loan?

You will be quoted an APR when you receive an offer from a lender. This is determined by the lender and based on the amount borrowed, period of the loan and your individual personal circumstances.

How much will I be paying back?

You will be given a TOTAL REPAYABLE amount when you receive a loan offer from a lender. This is determined by the lender and based on the amount borrowed, period of the loan and your individual personal circumstances.

What are the monthly repayments?

You will be given a REPAYMENT SCHEDULE when you receive a loan offer from a lender. This is determined by the lender and based on the amount borrowed, period of the loan and your individual personal circumstances

How long will it take to repay the loan?

This depends upon how long you have asked for the loan to be spread over, is subject to agreement by a lender and is based on the amount borrowed and your individual personal circumstances.

I have been accepted as a Client of Yes Loans - what does this mean?

Congratulations! - If you have been accepted as a client of Yes Loans you now have access to a wide range of financial products, services and solutions including - Unsecured Loans, Secured Loans, Car Finance, Health Cover, Debt Management and many others offered through our group companies and affiliates. You may be offered some or all of these products and services depending on your individual personal circumstances.

Will you run a Credit Check on me?

No - Yes Loans will not run a credit check on you, but lenders and providers of other financial products and services that we may pass your details on to may undertake Credit checks.

Who will you share my personal details with?

We respect your personal information and only share your details with companies within our group or trusted third parties who may be able to offer you financial products or related services. We are registered with the Information Commissioner's Office under Registration Number Z8629171.

I am thinking of cancelling my application!

If you are thinking of cancelling your application then please fill out our Contact Us form and one of our Customer Care team members will call you back. Alternatively, call us on 0871 282 4444.

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