FAQs

Affordability Assessment

To be eligible for an Affordability Assessment you must:

  • Be over the age of 18.
  • A resident for 3 years.
  • Have a contact telephone number.
  • Agree to a home visit.
  • Proof of ID and address (eg. valid photo ID)
  • Valid government issue documents (eg. council tax)
  • Proof of income
  • Payslips and bank statements showing wages from employer
  • Tax credit letters (eg. child benefit)
  • Proof of outgoings (rent or mortgage, food, utility bills & entertainment)
  • Credit commitments (car loan or other credit or loans with other companies)

An affordability assessment is the process which determines if you can afford to repay the loan repayments over the term of the loan.

Affordability assessments calculate whether you can afford to make repayments over the full length of a loan by examining your incomings and outgoings and taking into consideration if the loan is affordable for you.

General Questions

If you are worried about your debt, there are independent organisations that are there to help you:

Step Change – Free Advice
www.stepchange.or
08001381111

Money Advice Service
www.moneyadviceservice.org
08001387777

Talk to one of our team we’re happy to help you through difficult times. We’re here to help so please don’t hesitate in contacting us so we can contact you straight away.

Please contact us on 01522794662 or speak with your agent directly, or please fill out our contact us form.

Payments and Charges

You will not be charged interest if you miss or make a late payment. However missing or making a late payment could be recorded on your credit file which could affect you getting credit in the future.