Affordability Statement

We may be living in unprecedented times but, at Everyday Loans, our commitment to treating our customers as individuals remains constant.

As a direct personal loan provider, we offer a truly case-by-case approach to everyone who walks through our doors - into what is a professional, responsible borrowing environment. Relationship lending – and the strength of the relationships we enjoy with our customers - is at the very heart of our operations. In fact, our business model is underpinned by it.

As traditional lenders slowly disappear from the high street, we now have a branch presence in over 70 in towns and cities all across the UK – from Scotland to the south coast on England.

Once you’ve completed a short initial loan application online or over the phone, our professional and knowledgeable colleagues will sit down with you to find out more about you and your financial situation.

In a face-to-face setting, together, we’ll look through bank statements and review your existing financial commitments to really understand your needs. There’s nothing to worry about - we use ‘soft search’ technology to find out how we can help you whilst protecting your credit file.

We’re absolutely focused on affordability and do everything we can to ensure that we only lend what can be comfortably repaid. This means that our straightforward loan offer will be bespoke to you.

Because we are an independent loan provider – and based on our customers’ interests and individual circumstances – we’re able to be particularly flexible in terms of when and how much to lend.

Those who borrow from us are as varied as their financial needs and we believe that our unique tailored approach provides them with the most suitable financial solutions.

Whether you are borrowing to consolidate debts, improve your home or make a special purchase, we can assure you that you will always be more than just a credit score to us.