Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk Loanski is an authorised credit broker not a lender

    Which Loans Alternative

    Loans from £100 to £10,000

    • 1 month to 5 years
    • 100% online application
    • All credit scores welcome to apply
    • Paid in as fast as 10 minutes^

     

    Secure SSL connection

    Your application is sent over a secure encrypted network

    Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

    Choose Loan Amount

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    Representative 305.9% APR.
    Representative example: £400 borrowed for 90 days. Total amount repayable is £561.92 in 3 monthly instalments of £187.31. Interest charged is £161.92, interest rate 161.9% pa (variable). Loanski.co.uk does not provide any loan or consumer Credit products directly.

    Choose Loan Amount

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    Representative 305.9% APR.
    Representative example: £400 borrowed for 90 days. Total amount repayable is £561.92 in 3 monthly instalments of £187.31. Interest charged is £161.92, interest rate 161.9% pa (variable). Loanski.co.uk does not provide any loan or consumer Credit products directly.

    Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

    Loans from £100 to £10,000

    • 1 month to 5 years
    • 100% online application
    • All credit scores welcome to apply
    • Paid out in as fast as 10 minutes^

     

    Secure SSL connection

    Your application is sent over a secure encrypted network

    REPRESENTATIVE 305% APR

    Loanski offers competitive interest rates compared to some lenders across the market.

    Installment Options

    Customize your loan term from 1 month to 60 months putting you in control of your payment plan.

    Fast Payouts

    You can expect fast payouts sometimes within 10 minutes^

    Company Number: 

    07239342

    Company Name:

    Which? Financial Services Limited

    Date firm started up business:

    29 April 2010

    Type of Business: 

    64922 – Activities of mortgage finance companies

    Loan value range:

    5000 pounds to 15,000 pounds

     

     

    PP FINANCIAL SERVICES LIMITED

    29 Apr 2010 – 29 Mar 2012

    Loan term length:

    There are a variety of different loan terms you can choose from 3 years to 5 years depending on the amount you borrow.

    Head Office Address:
    2 Marylebone Road,
    London
    United Kingdom
    NW1 4DF

    FCA Status: Authorised

    Payout Time:

    In most cases, you will receive your money within 20 minutes of being approved. If you are required to upload any documents as proof of evidence, this may take a little longer but it will usually be within the same day.

    Whcih? Review

     

    Which? Is a company who help you to get the best deals on pretty much anything you can think of! From child car seats to loans, they go all out on reviewing anything and everything, saving their customers so much valuable time in research, as well as so much money!

    They have reviewed pretty much every loan company and brought you the best of the best ,so all you have to do is decide which ones you would like to apply with.

    Most of their loan reviews are for longer-term loans starting at around £5000 going up to £15,000.

    How the company works:

    Which? Are an online website and money magazine, which saves customers time and money by doing all the hard work for them.

    You can sign up to Which? Online for just £1 for your first month and a £12.75 monthly subscription after that. You can cancel after a month if it isn’t for you and will only pay the £1 for the months trial.

    Their program includes tons of fantastic benefits including:

    • Delivery of Which? Money magazine and Which? magazine to your door every month
    • See all of Which? Best Buys and Don’t Buy
    • Get expert advice and the latest consumer news
    • Receive exclusive newsletters with reviews, hints and tips
    • Get expert guidance on pensions, savings & investments, tax and more
    • Speak with them as often as you like on money issues that matter to you
    • Read award-winning investigations to avoid money rip-offs and scams
    • Get to grips with investments and changes in the market
    • Money off coupons

    If you are searching for the best loan deal possible then the advice on the Which? Website is a fantastic way to start.

    It has all of the advice on which loan companies you should avoid saving you nasty and unexpected fees and bad customer service, should you need to contact your loan provider for some reason.

    They can also advise on tips and ways to save money in the long run.

    Repayment method:

    Repayment method will completely vary from each company. Most loan providers prefer to use monthly direct debit which will take the payment on a date of your choosing.

    Some providers however have started to use CPA (Continous Payment Authority) a little more, which is where the money is taken directly from your bank card.

    Other providers are more flexible and have multiple options including bank transfer and online payment methods.

     

    Do I need a bank account?

    There are various loan companies that you are able to choose with Which? As most of them are online loan companies, you will need a bank account to be able to apply.

    Most companies also request that you also have a debit card attached to the account so they can validate your ID, avoiding fraud.

     

    To be eligible to apply for a loan you must fit the following criteria:

     

    Age

    The minimum age to be able to apply for a loan is 18, some loan companies prefer an upper age of 21 or 25. It will completely vary so is always best to check the terms and conditions.

     

    Address information

    Address criteria can completely vary between different companies, however, it is generally stated that you will need to provide at least 3 years worth of address history so background and credit checks can thoroughly be performed.

    Some companies prefer you to have been a resident within the United Kingdom for at least 3 years before you can apply with them.

     

    ID and Income

    When applying for a loan with your chosen company, you will usually need to provide all the details of your income and monthly outgoings. Although this may seem very invasive. It is necessary so that your loan provider can get a full picture of your financial situation.

    Doing this may help you be more likely to be given a loan, even if you have some bad credit history.

    Each provider will differ completely on the amount of information you will need to provide. Some loan companies have a minimum monthly income limit to be eligible to apply.

    If you need to provide some identification, this can normally be done using your online account with the loan provider, some will have their own branches where you can directly take in your paperwork.

    Penalties

    Most companies will have its own penalty policy for missed monthly payments.  Some are more strict than others and incur daily or monthly fees after you have missed a payment. Please read your providers policy in full so you can fully understand the consequences of missed payments, doing this could save you extra fees to pay and also avoid you receiving a bad credit mark.

    Reviews

    Which? Reviews on trust pilot depend fairly on the service that you are looking at. Their review on Trust Pilot about the main website, unfortunately, does not have good reviews and only has a Trust Pilot score of 1.5 out of 5.

    However most of these reviews are about the monthly fee they charge to be a member. It is important for Loanski to note that this fee is clearly stated upon sign up and isn’t hidden.

    One review who has given 5 stars says the following:

     

    “These reviews are unfair and full of people moaning about paying £10 per month.

    I decided to sign up to which and both their recommendations matched the 2 days of research I previously did on my own.”

     

    The advice that Which can provide you with can be valuable and will save you so much time and headaches in the long run.