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How much can I borrow?

Loans offered will be subject to an assessment of the applicants credit worthiness, affordability of the loan and the sustainability of the repayments without financial difficulty.
Our Loans are available from £8,000 to £300,000,000 or it's equivalent in USD or EURO. Representative from 1.5% to 4% APR.
How do I repay my loan?

Your monthly repayments are made by Direct Debit from a nominated bank account.
Are you a responsible lender?

Yes, DWK Financial Home are regulated by the Financial Conduct Authority(FCA). We are committed to lending to our customers responsibly. We do not want to put customers into unsustainable debt by lending them money that they can’t afford to repay, so please think very carefully before applying. If you have any doubts over whether you’ll be able to repay the loan as promised, please do not apply.
Can I settle my loan early?

Yes, you are able to settle your personal loan early by letting us know by phone, email, or letter stating the date that you wish to settle.
If you decide to settle your loan before the end of the term you will pay back the loan amount, the fee and the interest up to the date of settlement, plus one months additional interest. This is in accordance with the Consumer Credit Early Settlement Regulations (2004).
What credit searches will you do?

We do not do credit checks on customers, as we lend base on current circumstance. So bad credit are welcome.
If you want to check your own credit score you can use a free service such as Noddle.
What happens if I experience financial difficulty?

We will always act sympathetically to clients who are experiencing financial difficulties.
If you are unable to repay your loan, we ask that you contact us as soon as practically possible; ideally you should do this before your repayment becomes due. By contacting us at an early stage this may help to avoid default charges being incurred and prevent our formal collection procedures starting. We will show forbearance and seek to assist you by agreeing alternative repayment arrangements.
If I apply for a loan, how long will it take before the money is in my account?

When you apply for a loan through DWK Financial Home , we will give you a lending decision within 24 hours. Once you have accepted the loan, the funds will be transferred in to your account on the next working day. We also have a service whereby you can choose to have the funds transferred to your account on the same working day.
What happens if a Borrower misses a payment?

All borrowers pay a risk-adjusted fee into the Provision Fund. If a borrower misses a payment, the Provision Fund reimburses investors; if the loan goes into default, the Provision Fund takes over the loan and repays outstanding capital to the investors.
What is the minimum and maximum term?

Repayment terms are available from 1 to 45 years, however the term options will depend on which loan type you select.
What eligibility criteria must I meet to apply?

To apply for our loan you must meet the following criteria:
You need to be aged 18 years or over
You must have a permanent address of resident
You are in permanent paid employment, self-employed or retired with a pension
Is there a cooling off period?

You will have the right to withdraw from the agreement, without giving any reason, for a period of 14 days. To do so, please call our Customer Service Team.

The 14 day period will begin on the day after you sign the agreement. You must then repay in full the amount borrowed within 30 days, and the agreement will be cancelled.
If we haven't heard from you after the 14 day period we'll assume you're happy with everything and you will be bound by the terms of your loan.
Inbound and outbound calls are recorded for training and monitoring purposes.
What does it mean if my application is referred?

If your loan is referred it means we need to make some additional checks against your application. We will contact you to let you know if we need any further information.
Can I take a ‘repayment holiday’?

We do not currently offer repayment holidays, however, it is something we're looking into.
Can I 'top up' my loan?

Unfortunately we don’t offer top up loans at the moment, however you can apply for a new loan and use it to pay off your existing loan.
I was declined, can I apply again?

If you’ve been declined, you can apply again, however, we would recommend waiting at least 1 month or until your circumstances have changed before you do so. This is because making several applications close together could have a negative effect on your credit score, and could make it harder for you to get accepted in the future.
I’ve applied already but can I change the amount?

Unfortunately, once you’ve completed the application you cannot change the amount of the loan, you would need to email us and request cancellation and apply again if you wanted a different amount.

Do you have any advice on debt management?

Getting your finances in order can be tough; below you will find some useful tips to help you save money and organise your finances.
Put together a list off all your monthly outgoings, from rent/mortgage payments to food and utility bills. This will help you monitor your outgoings and prevent you from spending money on things you may not need.
Get everything on the table
You may find it useful to collate all your financial paperwork etc. and draw up a list of all your creditors and your outstanding debts with each one. Then write down how much you pay out to each creditor per month. This will make it easier to see where you could be saving money and potentially enable you to reduce your monthly outgoings.
Prioritise your debts. If you find you’re struggling paying all your debts each month it’s a good idea to draft a list with the most important debts at the top and then work your way down. This ensures that the main debts are getting paid each month.
Know where you stand
It’s a good idea to know exactly how your finances look. Sign up to a credit scoring agency, most of them offer a free trial period such as Experian and CallCredit. This will give you a good idea of where you stand and they can offer you helpful tips to improve your credit rating.
Know your interest rates
Find out what interest rate you’re paying on your credit cards, loans, finance agreements etc. It may be more cost effective to transfer credit from a higher interest agreement, on to one with a lower interest rate.
Consolidate your debts
If you do have credit agreements with high interest rates it may be beneficial to take out a loan to consolidate your debts. This will enable you to pay off your higher interest rate agreements and consolidate them all into one affordable lower monthly payment. This will make your debts more manageable and could save you money.
Do your homework
Before you do anything it’s important to do your research. Make sure it works out cheaper to take out a consolidation loan rather than leave your finances as they are. You don’t want to be paying more in interest than you originally were.
Make sure you aware of what sort of loan you are taking out. If you take out a secured loan, you may end up losing your home if you fail to make payments. Take a look at our article explaining the difference between unsecured and secured loans.
Think ahead
Be aware that missing payments could have a detrimental effect on your credit score, as can applying for lots of credit in a short space of time. You don’t want to do anything now that could make it difficult to get credit in the future. Always think ahead, if you are planning on applying for a mortgage in the near future, make sure you have your finances in order at least 6 months before you start the application process.
Shop around
Shop around for the best deals. Price comparison websites make it easy for you to compare prices from a range of different credit providers all in one place.
It’s important to know that headline interest rates may increase once you have gone through an application. It’s not just the interest rate that’s important, make sure you compare fees and charges.
Some companies won’t charge you for early repayments whilst others will; this could end up costing you more in the long run.
It’s important to shop around but be aware every time you apply for credit it leaves a mark on your credit score. This is ok because you need to go through applications in order to get credit however, don’t make applications for credit unless you need to, too many applications within a short period of time will damage your credit score.
Useful Contacts
Here are some useful numbers to keep handy if you find yourself in need of some further help or advice.
Citizens Advice Scotland - www.cas.org.uk
Citizens Advice England and Wales - www.citizensadvice.org.uk
Advice UK - Tel 0207 469 5700, or visit www.adviceuk.org.uk
National Debtline - Tel 0800 280 2816 or visit www.nationaldebtline.co.uk
Debt Advice Foundation - Tel 0800 043 40 50 or visit www.debtadvicefoundation.org
StepChange Debt Charity - Tel 0800 138 1111 or visit www.stepchange.org
Money Advice Service - Tel 0300 500 5000 or visit www.moneyadviceservice.org.uk