As an investor, your money is not protected by the Financial Services Compensation Scheme (FSCS). There are circumstances where you will lose some or all your money.
Find out more on our Investing Risks page.

As a borrower, not making repayments on time will negatively impact your credit score.
Find out more on our Borrowing Risks page.

Find out more on our Investing Risks and Borrowing Risks pages.

If you have missed or are having difficulty with repayments

If you are struggling to keep up with your monthly loan repayments, or anticipate you will miss a payment in the near future the most important thing to do is contact us straight away explaining your situation. We can then try and find a solution that suits us both.

We cannot provide financial advice, however there are a number of organisations that can help if you are having financial difficulties. The following organisations provide this service free of charge:

StepChange Debt Charity: www.stepchange.org or 0800 138 1111

Citizens Advice Bureau: www.citizensadvise.org.uk

Money Advice Service: www.moneyadviceservice.org.uk or 0300 500 5000

Fees – our process

We charge a one-off administrative fee when setting up your loan.

We will also collect a monthly borrowing fee with your repayments, to cover our services.

We also charge a late payment fee for missed payments.

We aim to remain fair

We don’t charge any fees if you make overpayments on your loan, or settle your loan early.

Minimum borrower requirements

There are five things we’ll need to see, when you apply.

*No CCJs, defaults, IVAs, DROs in the last 6 years

Help & Support

We’re here to help

Still have questions? Get in touch with our support team for help or more information.

Our office hours are Monday to Friday 9am to 5:30pm

Call us:

020 3664 8625

Postal address:

FKS House, 40-44 Newman Street,
London, W1T 1QD


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