Making an application?

Our criteria is pretty simple, you'll just need to make sure you meet the below:

• A resident of the Republic of Ireland
• Aged 18-75
• Not on an active bankruptcy, insolvent or equivalent
• And can comfortably afford the monthly repayments

You'll also need a guarantor who's got your back.

We've aimed to make our application process as simple as possible.

1. Your application Firstly, we'll need to know a bit about you. We'll also need to know how much you'd like to borrower and over how long. Once your happy, we'll ask you to read the T&Cs and sign your agreement online.
2. Your guarantor's application We'll then need your chosen guarantor to complete their part of the application. This will include; their personal details, making sure they're happy with the agreement and signing online. We'll also ask them to complete a quick budget plan to make sure the repayments are affordable, just in case they ever needed to step in.
3. Your budget plan Once your guarantor has signed, we'll ask you to complete a budget plan to make sure you can comfortably afford the monthly repayments and that the loan is right for you.
4. A quick chat When you've completed everything we'll give you both a quick call to double-check details and that you understand your responsibilities.

We aim to pay out every loan within 48 hours of the guarantor being accepted.

There are a few things to bear in mind that slow this down:

• If it takes a bit longer to get hold of you both.
• If we haven't yet received the documents we've asked for.
• If you've applied over a bank holiday of weekend.

In short, a guarantor is someone who trusts you. They let us know they have your back and are happy to step in and make any of the monthly repayments if they needed to.

Most of customers use their friends or family, but your guarantor could be anyone that trusts you. They just need to meet our simple criteria:

• A resident of the Republic of Ireland
• Aged 18-75
• Have a good credit history or a homeowner
• Be able to afford the monthly repayments if they needed to pay.

Although your guarantor doesn't have to be a homeowner, we are more likely to accept them if they are.

So we'd also recommend asking someone you know who owns their own home first.

Asking for documents usually means we just need to double check the details you've given us. The types of documents we ask for are:

• Proof of your identification
• Proof of your address
• Proof of your Personal Public Service (PPS) number.

Documents help us confirm you are who you say you are and that you can definitely afford the monthly repayments.

The simplest way to send us your docs is to email us at [email protected]

We calculate our interest daily. This means you only pay interest for the time you have the loan.

If you settle your loan after 30 days, you only pay interest on those 30 days. So the sooner you settle, the more money you can save. This is unlike some lenders who frontload their interest, meaning all the interest is added at the start of the loan term.

Just to add, we don't have any fees or charges for settling earlier or making extra payments. You can settle your loan at any time that suits you.