FAQ

How does this website work?

This website is a loan broking service that helps you to find you an established lending institution that agrees in principle to offer you a loan. The website introduces you to a broad range of loan products available on our lender partner’s websites. You just fill in the application form and we forward you to the first lender who agrees (again, in principle) to offer you a loan. The loan amount offered will be based on your needs and circumstances.

*** MediaBlanket Ltd and its trading styles will never ask you to purchase vouchers of any description in relation to any application and we cannot be held responsible should you do so at the request of any other party. ***

*** Please note that the website www.theloanstree.co.uk is not related to MediaBlanket Ltd in any way and we would encourage you to check this site thoroughly and read online reviews of the service it provides before using it. ***

What do I need to have before I apply for a loan through this website?

To apply for a loan through this website, you should be a UK resident with a UK bank account and an active debit card linked to that account. The active debit card will be set up on a Continuous Payment Authority by the lender to take automatic, recurring payments to clear your loan. You should have a regular income too, and we’ll need your address details. Each of our lender partners will have different requirements past this stage. As part of the application process you will be required to complete a creditworthiness and affordability check.

Do you run a credit check when I apply?

This website does not run a credit check when you apply, but you may be redirected to a lender who does.

What if I have bad credit?

Our partner lenders each have different conditions for accepting loan applications, and this website does the legwork in matching your application to prospective lender’s requirements. A poor credit rating does not necessarily mean you cannot get access to credit, so don’t let this put you off from using our service. Please remember, short-term loans are not designed to help you repay or manage existing debt. They are simply there to help you cover unexpected or urgent expenses. If you are experiencing any problems with debt you can visit one of the following websites for advice:

NationalDebtLine.org
CitizensAdvice.org.uk
StepChange.org

How quickly can I get a loan?

This website processes your application as soon as you have submitted it. Be aware that not every applicant will be offered a loan, however. If successful, the loan will be issued by the lender directly provided they are satisfied with your profile and you pass their creditworthiness and affordability checks. You can have the money transfered into your bank account within a few hours or on the same day but be advised that it could take up to 2-3 days depending on your bank, the lender you go through and the day you apply on. Please remember, before the funds are released to your account you will be required to sign a legally binding, regulated Credit Agreement. Ensure you read and consider the terms carefully before signing and bear in mind that an electronic signature holds the same legal weight as signing a physical contract.

How much does it cost?

Our service is completely free of charge for you. The costs for your loan will depend on the lender providing it. 

What if I am self-employed?

Our partner lenders often lend to people who are self-employed so as long as you can prove you have a regular income, we can try and find you a loan.

How much can I borrow?

The amount you can borrow depends on the lender. Please remember to only attempt to secure the amount of credit you need, and not more, as this may not be in your best interest.

I live in rented accommodation – does this matter?

Lots of people in the UK rent their homes, and most loan providers don’t see it as a reflection of a customer’s ability to repay. If you rent, it should not be a problem.

Do I have to tell you why I need a loan?

We will not ask you why you need a loan but the lender may. We encourage responsible borrowing, and suggest to all our customers that they consider the alternatives first – a low interest bank loan or an overdraft extension – or if you can, wait till you next get paid. Remember, short-term loans are not designed to help you repay or manage existing debt and all credit is more expensive than using your own funds. 

What if I make a late payment or miss a payment?

When you take out a loan with one of our lenders, you are committing to meet your repayments. So it’s important you make every effort to do so. Each lender has their own policy and set of terms and conditions and we suggest you carefully read them on the lender’s website before you enter into a loan agreement with them.

If you know that you will be late with a repayment, the best thing to do is to get in touch with the lender and try to rearrange your payment. The lender will help you get a more manageable payment plan in place. This may temporarily reflect as a payment arrangement on your credit report.

What is Auto Decisioning? 

Auto Decisioning allows lenders to make a decision on your loan application without the need for human interaction, for more information please contact your lender or see their privacy policy. Some lending partners do not offer auto decisioning and will still need to talk to you.

What happens if I do not pay my loan?

If you do not meet the repayments that you have committed to in your loan agreement, you can incur charges and added interest for non-payment, and you will still be accuring the standard interest repayments. The exact amounts and methods depends on the specific lender you have been matched with, so check their website or your credit agreement for further details.

If you miss a payment, the lender will try to contact you. The lender will also continue to try and recover the funds using your debit card or a direct debit arrangement under the Continuous Payment Authority. If you have a problem, the best thing to do is to talk directly to the lender. 

All our lenders are reasonable, so wherever possible, they will aim to reach an agreement with you on how you can repay the loan. However, if it is not possible to reach an agreement and you continue not to pay, they may pass your debt to a debt collection agency. Depending on the lender’s policies, they may default your account and that could progress on to litigation steps including the registering of a County Court Judgement (CCJ) which could potentially be enforced through an Attachment of Earnings. Missed or late repayments, defaulted accounts and any litigation action will remain on your credit file for 6 years.

Outstanding debts will affect your credit status, and you may not be able to get credit as required in the future. You probably will not be able to borrow from the lender again if they have problems recovering your loan and the related interest and charges.

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