About 1 Plus 1 Loans

The building blocks...

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.

"We’re committed to making sure that all our customers receive a loan with repayments they can comfortably afford"

Our culture...

  • We treat all our customers fairly and responsibly.
  • We make sure that every loan is affordable before it’s paid out.
  • We work hard to ensure loans are paid out as quickly and efficiently as possible.
  • We take a common sense approach to lending.
  • We provide a finance product and service that is second to none - at a competitive price point.

The process...

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.

  • First of all, we’ll talk. We take the time to walk through all the details with you and your Guarantor (if you apply for a Guarantor Loan), making sure everyone understands their responsibilities during the term of the loan.
  • As a lender, we partner with banks and other financial institutions, using Open Banking to verify your income and spending. This method allows us to determine if you can comfortably afford the loan repayments throughout the term of the loan by reviewing your bank statements. We focus on your current financial health rather than past credit challenges, ensuring that our decision is fair and considers your present circumstances. This approach helps us lend responsibly and fairly.
  • We make sure all your essential bills are covered and that you have enough spare income left to comfortably make your monthly loan repayments. It's also important to us that you have room in your budget for those unexpected emergencies that life can throw at you. Additionally, our team uses data from the Office for National Statistics to ensure that everyone involved can manage their spending, even with the current rates of inflation. We're here to help you stay on top of your finances with confidence
  • Our friendly team works hard to tailor everything to your needs, allowing us to quickly prepare your loan for payment. In fact, most of our customers receive their funds on the same day they apply!

The outcome...

We conduct thorough checks because being a responsible lender is really important to us. We want to be absolutely certain that you can comfortably manage your repayments. This commitment to responsibility places us at the forefront of providing great loans.

That’s why we always go the extra mile to make sure that you receive a loan that perfectly fits your needs. We’re committed to ensuring that every customer is treated fairly, regardless of their credit history. Whether you have a less-than-perfect credit score or an excellent one, we're here to help you every step of the way.


Our team work hard so that your experience with us is as smooth as possible. We’ll make sure that your payments are processed quickly, often on the very day you apply!

Our staff are knowledgeable and experienced, ready to exceed what you’d expect from a typical loan company. Everyone is here to help and ready to answer your calls from 9 AM to 6 PM, Monday to Friday.

And if those times don’t work for you, we’re just an email away.