About 1 Plus 1 Loans

Our commitment to responsible lending...

At 1 Plus 1 Loans, we’re committed to providing credit solutions that are matched to your unique financial circumstances and requirements.

Established in 2013, we saw how difficult it was for consumers to access credit at reasonable rates when they needed it most.

We recognised the limitations of solely using credit scores to determine loan eligibility, so we developed a more holistic lending model. At 1 Plus 1 Loans, we prioritise your ability to manage repayments comfortably over the entire loan term. This approach ensures a fairer and more personalised lending experience.

From the outset, we have implemented robust affordability checks to make sure that the loans we provide are within your financial reach. Our main objective is to offer responsible access to credit, preventing you from taking on unsustainable repayment obligations.

These practices reflect our proactive commitment to responsible lending, which is integral to our operations. We are dedicated to providing credit in a manner that is fair and supportive, always prioritsing and upholding your financial well-being.

Our culture...

• We're a responsible lender: We have a transparent lending process, building trust and maintaining integrity at every step - these are core values that define us. 
• We’ll always consider affordability first: We’ll make sure that every loan we offer is affordable from start to finish, and that it fits comfortably within your budget.
• We’re responsive: We’ll process your loan and handle and queries you have quickly because we know your time is valuable.
• We’ll provide personalised support: Our team is always on hand to help, offering tailored support whenever you need it.
• We’ll listen: We care about your feedback and strive to continuously improve, keeping our services innovative and relevant.
• Your trust, our promise: We go above and beyond to make sure that your interests are protected every step of the way. It’s important to us that we earn your trust.

The process...

In line with our commitment to responsible lending, we’ve created a clear and simple process to ensure that you can manage your loan comfortably:

• Open conversation: We’ll start with a friendly chat to talk about your finances, making sure that after your regular bills are paid, you have enough left to comfortably cover the loan repayments, with a little extra for those just-in-case moments.
• Smart tech checks: With your permission, we use Open Banking, a secure way to give us a snapshot of your financial health directly from your bank. It’s like a quick health check for your finances to confirm that a loan fits into your life.
• Looking ahead: We also keep an eye on the bigger picture, like changes in the cost of living, to make sure your finances won’t be stretched in the future.

Our team is dedicated to making sure the loan you take out is as comfortable to repay as it is exciting to receive. We do the heavy lifting so that, once approved, you’re all set for a smooth payout.

The outcome...

We conduct these thorough checks because being responsible lenders is important to us. They're essential to make sure that you can comfortably afford your repayments. This commitment places us at the forefront of offering affordable loans.

That's why we always go the extra mile to make sure you receive loans that are perfectly suited to your unique needs and circumstances.

Finally...

At the heart of our approach are the essential principles that ensure our processes are streamlined and effective, reflecting our commitment to a culture of excellence and transparency.

Each step of the way, from initial contact to the final outcome, is crafted with your needs in mind, ensuring that you have a seamless and satisfying experience.

Our ultimate goal is not just to meet your expectations but to exceed them, providing outcomes that truly make a difference.

Trust us to be your partner, every step of the way.