How It Works

There are no hidden secrets about how this site works. We aren't all that different from other loan sites out there in the way that the applicant moves through the website. The applicant applies, they get a decision, and if successful, they get their funds. What makes us better than most sites out there is that we only work with lenders that lend to students, those in full or part-time education.

We don't lend ourselves directly. We used to, but recent changes made it unworkable for us to continue. Over the last few years, we have concentrated on keeping our well known alive by being a successful free broker platform for students.

We always prefer to lend directly, what site wouldn't? But there are advantages to the customer with us no longer lending. We can gather together in one place, all the lenders who are willing to lend to students and have them compete to give you a loan. This way, you can get upwards of 21 lenders giving you a decision from just one short application form, and you can also get the cheapest deal of those that would accept you.

Don't worry, none of the process is meant to catch you out. We want you to be successful. We don't intend to preach to you about whether or not a loan is right for you. At the end of the day, nobody knows your current circumstances better than you. It would however be wrong of us not to point out that there are other solutions available that are an alternative to credit.

If you are still happy to continue then the full process is below. 

Our online application form is as short as we can make it. The average person will complete it in less than 90 seconds. We only ask for information that you would know off hand. We don't expect you to start digging out bank statements or sending us forms.

You may have heard that some lenders have over the years been accused of misselling. Because of this, they need to know a little bit about how much you spend each month, whether you have a regular income etc. They need to try a build a picture of your finances, so they don't worsen your situation. 

We will have you a definitive answer to your request within 2 minutes. The way we work is that we check the cheapest lenders first and the first one to accept your application is the one that we forward to you as an offer.

You don't have to take the offer, if you don't like the apr or the charges, then all you have to do is close your screen, and you will never hear from us again. You have full control of the process.

None of the lenders we work with ask for upfront charges and all of them are transparent in their costs.

Once you've been approved, gone through the charges, repayment terms etc, it's time for you to accept the loan. Most lenders will send a text message to your phone. Reply to the text message with their validation code to prove it is you, and then you are good to go.

Your money will generally be with you within 30 minutes. 

Once you have received your cash, you will then only deal with the lender directly. If you have repayment difficulties, then it is best to liaise directly with them. For data protection reasons we don't keep a record of your details, so it is impossible for us to help.

That being said, if things go totally pear-shaped, we won't wash our hands of the situation and will do our very best to help out. If you have tried with the lender and can't come to a solution, please let us know, and we will try our best to resolve matters in any way we can.