Why our personal lending is different
Most personal lenders sort applicants into credit grades and offer rates that mirror that grade. We do not. Our rate is flat, transparent, and the same for every approved applicant, anywhere we operate.
The rate that doesn't move
1.5% APR — fixed for the entire term. Whether you borrow £5,000 over 12 months or £2.5 million over 25 years, the headline rate is the same. There are no introductory teasers, no tiers based on your postcode, and no surprise fees that effectively raise the cost.
The decision-maker is human
Your file is reviewed by an actual underwriter, not an opaque scoring algorithm. That means context matters — a recent career change, a self-employed status, an irregular income pattern, an international background — these are not automatic disqualifiers. They are conversations.
The borders that don't bind
We currently lend in 28 countries. UK residents and international applicants are reviewed against the same fair criteria. You can apply, sign, and manage your loan in any of our six supported languages, and receive funds in GBP, EUR, USD, CNY or AED.
The 1.5% APR was almost unbelievable until I read the contract. Genuinely transparent.
The repayment that respects you
You can repay the loan in full, or make additional payments toward the principal, at any point during the term. There are no early repayment charges of any kind. We recalculate your remaining balance and reduce the interest accordingly.