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Our Lenders

We work with trusted brokers to give you access to a panel of leading lenders well placed to meet your needs.

Have you suddenly found yourself in an unexpected situation where you require lending money? For example, perhaps your boiler has suddenly broken down and you can’t quite cover the cost of repairs, or you’ve had an unexpectedly high telephone bill this month, or need to cover the cost of purchasing of a vehicle. Whatever the reason may be, Proper Finance can help you. We understand that everyone at times needs to borrow money, and needs to be able to access it quickly and easily, whilst also being able to do so in a secure manner. Our team can help you to find the right loan to help you with your situation.


Why borrow money with Proper Finance?

Of course, we understand that you may well be weighing up your options at the moment as to which company to choose when it comes to borrowing cash, such as an emergency cash loan, so why Proper Finance? Here is why you should pick us.

  • We can help cover emergency costs: as previously mentioned, you may be looking to get urgent cash for an emergency situation that has arisen. Proper Finance works with a number of leading lenders who can provide you with a personal loan which can be paid to the borrower in one lump sum. That means you have peace of mind that you can pay off any particularly pressing bills or expenses that you need to cover the cost of right this minute, as you will receive the entirety of the loan all at once
  • Fast: our dedicated team at Proper Finance understand that you are likely needing to get access to funding at a speedy rate. Once applicants have filled in an application through our website, those who are successfully approved can get the money in less than 24 hours, sometimes, even under one hour! This is because we have access to a faster payment system, meaning we can send money to our customers quickly
  • Flexibility: the lenders that Proper Finance works alongside with offer borrowers flexibility with the terms of their loan. For example, you have the option of being able to spread out your loan repayments over a period of time. This could be six months, nine months, or even over a year. This can help to make the loan more affordable, as well as give you a little breathing space too.
  • Early repayments: if you so wish, and are able to financially do so, you can also pay off your loan early with one of our lenders. For example, if the loan was supposed to originally have a term of 12 months, you can choose to repay in full after 6 months instead.
  • Bad credit scores are considered: one big issue unfortunately for many borrowers is that they think as they have bad credit, they can’t apply for a loan. Proper Finance is willing to consider bad credit histories, providing there is evidence to suggest you would be able to afford to pay off the loan you are applying for.
  • Instant decision: another great thing about Proper Finance is that once you have completed your loan application with us, you will receive a decision on screen almost instantaneously. As a result, there is no need for you to wait around, worrying about the income, and instead, you can get a move on with your finances.


What is the cost of borrowing money?

If you choose to borrow money through one of the reputable lenders that Proper Finance works with, the cost of borrowing cash with us is capped at less than 0.8% per day. This was a price cap that has been introduced in recent years by the Financial Conduct Authority. You will never have to pay double the amount you borrowed.


What are the criteria to borrow money?

In order to be able to make a successful application with Proper Finance and move on to the next stage, you will need to fit these eligibility criteria:

  • You are over the age of 18
  • You are a UK based resident
  • You are employed, either on a full or part-time basis
  • You have the capability of making the monthly loan repayments
  • Valid UK debit account
  • Valid email address
  • Valid UK mobile number
  • No recent CCJs, IVAs or bankruptcy
  • No recent defaults on file

A credit check will be applied in order to ensure that you will be able to borrow money and be able to pay it back without getting into further debt.


How to apply with Proper Finance

All you need to do to apply with Proper Finance to borrow money is to fill on our online application form, by clicking apply now on our website. Some brief questions will be asked first, and if your application is approved, the loan application process will move onto the next stage. This means you could get access to cash in just a matter of hours.