We are “1 Plus 1 Loans”. The better way to borrow money.
We were founded back in 2013 when we could see that borrowing money at an affordable price was becoming a difficult prospect for those who needed it most.
We wanted to offer a product that didn't rely just on credit scores but on the ability for our customers to make the repayments without any hardship or problems for the duration of the loan.
"The last thing we want is a customer with a loan who simply cannot afford the repayments".
We knew at the beginning that we had to make sure all of our customers could afford the credit they were granted. We came up with several ways to ensure this, all prior to any legislation for affordability even existed.
We make sure all of our customers can afford the repayments before we grant a loan.
We do this by verifying income and expenditure. We have several ways of doing this.
All of our checks ensure that loans are granted to people who can afford them preventing any problems due to affordability straight out of the gate. Because we do this from the start and have done since our inception, we are at the forefront of granting affordable loans to everyone.
The regulators have now realised that some companies have not been making sure that their customers could afford the loans they were granting and they have now brought in guide lines for companies to follow to ensure that affordable lending is the norm across the sector.
1Plus1 Loans could see this being a requirement back in 2013 and that's why we decided to only lend to those who could afford them. Even now we believe we go above and beyond the regulators new requirements to ensure everyone is treated fairly and only those granted credit are given the product that is right for them.
Our team work hard to make sure our service, reliability and pay out times are as quick and efficient as possible to ensure the journey with us is as smooth as can be. Most of our customers have the money in their account the same day they apply!
Our trained team have all the knowledge and experience you would expect from a professional loan company. Our staff are highly motivated to help you our customer and we are here to answer your calls from 9am to 6pm, Monday to Friday.
Our online team operate 24 hours, 7 days a week. If you need help out of office hours then we are only an e-mail away.