Responsible lending means sometimes saying no

Before lending, we look at verified income, essential living costs and what you already repay. Only the money left after those commitments can count towards a new instalment.

That check is there to protect you. A loan should solve a short-term problem, not create a longer one.

What we do not do

• Roll one loan into another
• Hide the annual interest rate or total repayable
• Charge a penalty when you settle early
• Pressure you to borrow more than you asked for