About 1Plus1 Loans
We are 1Plus1 Loans, a reliable, direct lender. And we believe we provide a better way to borrow money.
Credit scores don’t determine your eligibility
Our loan product does not rely on credit scores to determine your eligibility. Instead we rely on your credit worthiness and affordability and your family and friends.
Regain the credit worthiness
What we do like to do is help our customers improve their credit worthiness packaged together with a service that is quick, easy to use and highly efficient.
Our business is to make sure our service is reliable with pay out times are as quick and efficient. That is why a lot of our customers have the money in their bank the same day they apply!
Expertly trained team
Expert knowledge and experience is what you can expect from our professional loan company and dedicated team. Our highly motivated team is ready to help you from 9h00 to 18h00, Monday to Friday.
Additionally, our online team operate 24 hours, seven days a week.
You may have seen us on TV, if not visit our website to view our advert.
What 1Plus1 Loans can offer you
Our loans range from £500 to £5000 and all you have to do is simply fill in the form and sign your contract online. It could not be any easier.
No fees on our loans
The loan terms range from 12 to 60 months and the interest rate will be determined by the loan term. No fees are charged when applying for a loan with us.
We are a direct lender and not a broker thus, you can expect faster payouts and at 1Plus1 Loans, we consider all applicants.
You need a guarantor if you have bad credit
All of our customers require a guarantor to back up a loan with us. This applies to individuals have bad credit or no credit at.
Who and how can I help?
- Individuals with a bad credit rating
- Individuals with no previous credit
- Parents assisting siblings financially
Benefits of 1Plus1 Loans
- Clients can improve credit worthiness with a 1Plus1 Loan
- Use your loan can be for any purpose
- Friends and family are able to help each other
In a Nutshell
- Average processing time Same day
- Online application
- Unsecured loan option
- Bad credit consideration
Easy loans regardless of your credit status
Applying for a loan that is this easy is unheard of.
You should not have to wait on the finances you require to make your dreams a reality. It is the very reason we assist people with bad credit scores in the easiest, fastest manner possible.
Apply and sign online
Visit our website and apply online. The contract will also be signed online, making life a whole lot easier on you. Convenience is a guarantee when dealing with 1Plus1 Loans. You are able to apply for a loan from £500 to £5,000 with a loan repayment term of 12 to 60 months.
Bad credit loans
If you are applying for a loan with bad credit or no credit at all, you will need a guarantor. The guarantor will co-sign for you and will thus be liable for the repayments should you default on the schedules repayments. However, if you are loyal to your repayments, there will be no consequence for your guarantor.
What is a guarantor?
A friend or family member that will back up your loan should you fail on your repayments.
Guarantor required criteria
- 18+ years of age and no older than 75 when the loan completes
- Homeowners need to be 21 or older
- UK resident
- Have a UK bank account and a valid UK debit card
- Guarantors need to have good, clean credit history
- Not be subject to a current IVA or bankruptcy order
- Able to afford the loan repayments
If any of your family members or friends meet the above requirements and are willing to, they could stand in as a guarantor for you to get the loan that you need.
Eligibility & Requirements
- 18 years or older
- UK resident
- Earning a stable income
- Active UK bank account
- Recent pay slips
- Proof of address
Other Products & Services
- QUICK Loans
- PERSONAL Loans
- BAD Credit Loans
Customer Reviews & Testimonials
Their online consultants are very helpful and really are reachable anytime.
— Winchester —
Flexible term loans and low-interest rates.
— Leeds —