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Minimum Lending Requirements

As a responsible lender, we value responsible lending from start to finish. Take a look at our minimum requirements before you begin your online application.

Full or Part Time Employment

A minimum NET pay of £1000 per month

Holder of a UK bank account & debit card

At least 18 years old


Before applying for a loan, you need to evaluate your current financial situation and make sure that you can afford the required repayments. It is important to us that we make sure you are borrowing from a Financial Conduct Authority approved and regulated lender.


Short term loans are not a suitable credit solution to a long-term financial problem and you need to make sure that you educate yourself about the alternatives before applying.

What Funding Options Do Borrowers Have When They Need Money?

If your requirement for cash is not urgent, a loan from a traditional lender may be an option to consider. If you need cash immediately, it may be time to compare other credit solutions, including payday loans and short-term loans. There are also other credit alternatives to consider, including credit cards and overdrafts, for example.

Can I Borrow More Than One Loan at the Same Time?

We limit a borrower to one loan at a time. However, once repayment is complete, you may apply again for a second loan. Rather than getting into a situation when you need money now, it’s far better to budget your cash rather than taking on payday loans to take care of normal spending, as this can lead to bad credit situations.

Having Problems Repaying a Loan?

The important thing here is to notify us as soon as an issue develops to avoid any further ramifications. Burying your head in the sand when you can’t repay your loans will leave you with a bad credit record, making borrowing cash from online payday lenders almost impossible in the future.Help Is There When You Need It, Your financial status is important, so it’s always vital to deal with financial problems as quickly as possible


Payday loans aren’t the cheapest credit options available, but they are helpful when you’re in an emergency cash situation and need funds quickly. They can offer affordable access to cash, providing you stick to the credit terms and clear the debt within the pre-arranged timescale. When you need fast cash and have a bad credit history, short-term loans may be an attractive option. However, it’s vital that you consider all credit options and loan products available to you, including monthly and weekly instalment loans, overdrafts or personal loans before applying for payday loans, as they may be cheaper.


A sensible borrower comparing direct lenders reviews the APR each charges on their short-term loans. APR, or Annual Percentage Rate, is the cost of the loan over 12 months, including all interest and any money you will be expected to pay in fees. Looking for the APR can help you compare the expenses involved in taking out a short-term loan, offering an easy way to review different direct lenders.



Policy of UK Ethical Loans

This website is intended for property professionals and introducers only. NZB Property Specialists Limited Company number 10408447 (T/A UK Ethical Loans) is pending authorisation/regulated by the Financial Conduct Authority (FCA). ico registration number Ico ZA217671. Registered Office – 7 Victoria Road Nottingham NG42LA

Borrow £1000 for 6 months monthly repayment of £208.33. Total repayment £1250. Interest rate p.a. 50%. RAPR 61.65% Our APR includes all applicable fees. Amount of interest on original amount borrowed £250. Daily interest is capped at 0.74%. Free early repayment always possible.

**Warning: Late repayment can cause you serious money problem.

For help, go to
www.moneyadviceservice.org.uk.
https://www.adviceuk.org.uk

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