Responsible Lending

Finding the right product for the customer

At Proper Finance, we are committed to responsible lending. We work with some of the safest and reputable lenders in the country so that you are treated fairly throughout the process.

There are many financial products on the market, and we understand how important it is to find the right lender and product for your situation.

Whether you or not you have a good credit score, we feature so many different financial products that there is something for everyone; from personal loans, business loans, credit cards to payday loans. We have a dedication to safe and responsible lending, such that we only feature companies on our website that:

  • Follow the regulation of the Financial Conduct Authority
  • Have full authorisation or interim permission with the FCA
  • Have a Consumer Credit License


Responsible lending does not start and end with using a reputable lender. It is vital that, once you decide to apply for a loan, you take action to use your loan responsibly, too.

Firstly, ensure that you will be able to afford your loan before applying. This is the most vital aspect to consider when considering financial aid; if you cannot expect to be able to make your monthly repayments, your financial situation is likely to deteriorate further. Ask yourself the following questions:

  1. Do I have a steady income for the foreseeable future?
  2. Can I account for loans repayment alongside my other expenses?
  3. Can I afford to live after the loans repayment period is over?

For most people, short-term loans such as payday loans or small, personal loans are used in order to get themselves and their family through a period of financial difficulty, until they can expect to see some revenue again (such as on payday).

When looking at taking out a more substantial loan, it is likely that one is expecting to see the loan itself generate a financial return, such as with a business loan where the loan is used to get an entrepreneurial endeavour off the ground, or as with a home improvement loan which usually results in an increase of the amount of equity in one’s home, generating a profit when it comes to selling the property. Whatever the purpose of the loan, it is important that you are able to forecast your spending habits and repayment abilities for the duration of the repayment period that you choose.

When you do receive your loan amount, be sure to use the money sensibly. If you have taken out your loan to fund something specific like your wedding or the purchase of a vehicle, resist the temptation to use the sum on something else. Stick to the goals you set out when deciding to get the loan. Make sure you also account for unexpected costs when budgeting with your loan amount so that you don’t get caught out when it comes to your financing.


Firstly, use our free and simple comparison table to compare rates from our list of featured lenders. You can click through and apply on their website directly. Alternatively, you can provide us with a few of your details and one of our partners will get back to you as soon as possible to discuss your options.

Because we have partnered with multiple lenders, we are able to offer you choice you deserve when it comes to finding the right loan for you. With us, you are free of the restrictions and set-rates involved in looking at a single lender.

We allow you to borrow from £50 up to £50,000 from one of our many lenders. The main benefits of our website include:

  • No upfront fees
  • We will not pass on your details to third parties without your permission
  • Our site is on a secured server (https) to protect your details
  • Compare rates from several competitive lenders
  • Choose from over 50 different unsecured loan products


Whilst the criteria may vary between lenders, the eligibility factors include:

  • Must be a UK Resident;
  • Must be over 18 years of age;
  • Must have a working debit account, email address & phone number;
  • Must be employed, earning at least £500 per month and able to afford monthly repayments;
  • Must have no history of bankruptcy, CCJs or IVAs.

What happens if you cannot repay?

Failing to repay your loan may result in your credit rating being negatively impacted, which could harm your ability to access other financial products in the future. If you take out a loan that is secured against an asset, such as your home or your car, defaulting on your repayment could lead to the repossession of that asset.

Please ensure that you choose a realistic repayment term when applying for a loan with any one of our providers such that you are able to make your monthly payments. If you expect that you will not be able to make a monthly repayment, ensure to let your chosen lender know in advance. Most lenders have sympathetic policies which allow for a grace period of a couple of days if you ensure to notify them of your situation.