We seek to lend only when our clients can afford to repay
Our risk and decision making procedures and application approval processes are cutting edge sophisticated. We are following a strict, detailed and sensible loan criteria process, including the use of credit scoring, credit reference agency checking and sufficient income verification. All of this helps to make sure our clients have the capacity to repay and that we make fair-minded and responsible decisions. Quickly and twenty-four hours a day.
All things important are communicated loud and clear
Our clients always have all the figures and fees upfront, before they apply for a loan. It is mutual trust that we want to build up with our clients. So therefore, on one hand we want to make sure our marketing follows all the required practices, ethical & legal. On the other hand, we allow our clients to increase their borrowing limit gradually over time – they need to demonstrate financial responsibility in order to gain access to wider availabilities.
We stand by our clients in all circumstances that may happen
Even though we maintain strict and sensible lending policies, we cannot preclude the matter that our clients may happen to land into unexpected low-points in their financial positions. We will do our best to understand and resolve such occasions reasonably. Free of charge financial counseling, extended payment options, discounted refinancing and interest penalty waivers are all solutions that we are able and willing to consider.
Wise and well-considered decisions, prior to actions
Our service is simple, quick and flexible, yet it is not the cheapest way to borrow money. As our goal is to build trusting and transparent relationships with our clients, we want to make sure they know everything there is about conditions and fees. We insist and communicate clearly that our clients would only apply for our services, when they feel comfortable with repayment of the amount and terms of the loan they are interested in.