We are “1 Plus 1 Loans” and we provide exactly the right loans for people just like you.
We set up our business in 2013, when we saw that borrowing money at an affordable rate was becoming a seriously difficult job for those who needed it most.
That didn’t seem fair to us, so we decided it was time that someone offered a loan that didn't rely purely on credit scores – just on whether customers could make the repayments without any hardship or problems for the duration of the loan. And that’s how 1 Plus 1 Loans was born.
We knew right from the start that we had to make sure that all our customers could afford any credit that we could give them. So we came up with a few ways to ensure this, even before any legislation for affordability existed.
"The last thing we want is a customer with a loan who simply cannot afford the repayments"
To make absolutely sure that you can afford the repayments without a struggle, we follow a simple process before we grant any loan.
First and foremost, we’ll verify your income and expenditure. We have a few ways of doing this.
We go through all of those checks because it’s hugely important to us to be responsible lenders and to be absolutely sure that all of our customers can afford to meet their repayments without any problems. It’s an approach that’s put us right at the forefront of providing loans that everyone can afford.
That’s why we always go the extra mile to ensure that our customers get the loan that’s exactly right for them. In fact, we go way beyond the requirements of our industry’s regulators to make sure that everyone is treated equally and fairly.
Our team work hard to make sure that your journey with us goes as smoothly as can be. So we work hard to give you the highest standards of service and reliability and to ensure that your payout comes as quickly as possible. Most of our customers have the money in their account the same day they apply!
Our fully trained team have all the knowledge and experience you would expect from a professional loan company – and a bit more besides. All our staff are highly motivated too, ready to help and to answer your calls from 9am to 6pm, Monday to Friday.
If that’s not convenient for you, our online team operates 24 hours, 7 days a week. So, if you need help out of office hours then we are only an e-mail away.