A clear, simple guide for customers across Merthyr Tydfil (CF47 & CF48)

 

ABOUT OUR LOANS

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Q. What areas do you cover?

A. We provide short‑term home credit loans to customers across the Merthyr Tydfil area, including postcode districts CF47 and CF48.

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Q. How much can I borrow?

A. First‑time loans range from £100 to £300. Existing customers may be eligible for higher amounts depending on their circumstances.

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Q. How do I apply?

A. You can start your application online by completing a short form. We’ll then contact you to carry out a clear and supportive affordability assessment.

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Q. Do you carry out a credit check?

A. No. We do not carry out a credit check. We use Open Banking to help assess affordability and ensure the loan is right for you.

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Q. How will I receive my loan?

A. All loans are paid directly to your bank account.

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REPAYMENTS

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Q. How do I make repayments?

A. Repayments are normally made by bank transfer, which keeps things simple, secure, and convenient.

 

Q. Can I repay weekly, fortnightly or monthly?

A. Yes. You can choose a repayment schedule that suits your budget.

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Q. Can I repay my loan early?

A. Yes. You can repay early, but you may not always get the best value. Any rebate is calculated using the statutory formula.

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AFFORDABILITY & SUPPORT

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Q. What is Open Banking and why do you use it?

A. Open Banking allows you to securely share bank transaction information with us. It helps us make fair, accurate affordability decisions and ensures the loan is suitable for you.

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Q. What if I have difficulty using online banking?

A. Just let us know. We’ll talk through what we can do to help and make sure you’re supported.

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Q. What if my circumstances change and I can’t make a payment?

A. Contact us as soon as possible. We’ll discuss your situation and explore options such as adjusting your repayment plan.

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ELIGIBILITY

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Q.Who can apply?

A. You must:

• Be 18 or over

• Be a UK resident

• Have a regular income

• Not have been declared bankrupt or had a DRO/IVA in the past 12 months

• Not be currently receiving debt advice about existing financial commitments

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Q. Do I need ID?

A. Yes. All loans are subject to ID checks.

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GENERAL QUESTIONS

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Q. Do you charge any fees?

A. No. There are no hidden charges or arrangement fees.​

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Q. Are you regulated?

A. Yes. We are authorised and regulated by the Financial Conduct Authority (FCA).

 

HELP AND ADVICE

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Q.Where can I get free debt advice?

A. If you’re struggling, the following organisations offer free, confidential support:

• StepChange Debt Charity – 0800 138 1111

• Citizens Advice – citizensadvice.org.uk

• National Debtline – 0808 808 4000

• Money Advice Service – 0800 138 7777

• Payplan – 0800 280 2816

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​COMPLAINTS​

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Q.How do I make a complaint?

A. If you’re unhappy with how you’ve been treated, please contact us first so we can put things right. If you remain dissatisfied, you can contact the Financial Ombudsman Service on 0800 023 4567, or the Consumer Credit Association (UK) on 01244 394760. For full details, please see our Complaints Procedure.