Providing local finance for over 92 years!

Having difficulties with making a payment?

Don’t panic, simply call us on 01481 723501 to talk it through. We’re here to help.

Frequently asked questions

If your question is not shown below please call us. Don’t be shy. No question is a silly question.

Who can apply?
Any Guernsey resident aged between 18 and 70, who is in employment can apply.
How much can I borrow?

You can borrow from £3,000 depending on your personal circumstances.

How much will it cost?

Our rates vary with every application depending your personal circumstances.

How do I apply?

You can either apply online, give us a call, or pop in.

What can I borrow for?

You may borrow for almost anything. Typically, most loans are for a car, a holiday, home improvements, unexpected bills, school fees, consolidation of bills… but we do get the occasional strange request!

What happens to my application?

We will contact you with a free quote. If you would like to proceed with the application, we will ask you for some additional information:

  • Proof of ID
  • Recent utility bill (dated within 3 months)
  • Bank statements for the last 3 months
  • Two most recent payslips

We will then do some credit checks and if your application is successful, we will contact you to call into the office to sign the paperwork. Most loans can be approved within 24 hours. If you need your money sooner, please let us know and we will do our best to help.

How soon can I get my money?

After you have signed the loan paperwork, the application will be passed to our accounts team. If the loan paperwork has been signed before 3.30pm, the accounts team will transfer the funds to your bank account the same day. If the paperwork is signed after 3.30pm, the transfer will be made the following day.

How do I make my payment?

Payments are usually made by standing order through your nominated bank account.

I have a poor credit history, will you lend to me?

A “poor” or “bad” history may be due to a missed payment or outstanding debt on a past loan. This will have an impact on any future lending. However, if we feel that you are in a situation where you are able to pay off your loan despite your credit history, it is possible that we will lend to you.

What happens if I cannot make my next payment?

As soon as you realise that you may be struggling, do not panic. Give us a call. We understand that financial problems can be worrying, so we will do our best to find a sensible solution.