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Welcome to 1Plus1 Loans

A better kind of loan

At 1plus1 loans we don't rely on your credit rating, we just rely on a friend or a family member to guarantee your repayments.

Borrow up to £5000 with a guarantor
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Direct lender, Not a broker yes tick

Fast payout yes tick

CCJ's and defaults accepted yes tick

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 Getting to know us...


Who can we help?


We are “1 Plus 1 Loans”. The better way to borrow money.

We believe in a loan product that doesn't rely on credit scores to decide your eligibility, just your friends and family to let us know that your good to pay back the loan.

We also believe in helping our customers regain the credit worthiness (or better) they deserve and that is bundled with a service that’s, quick, easy to use and highly efficient. Worthy of your attention.

We work hard to make sure our service, reliability and pay out times are as quick and efficient as possible to make the journey with us as smooth as can be.

A lot of our customers have the money in their bank 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.

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  • People with a low credit rating
  • People with no previous credit
  • Parents Helping Siblings Stand on Their Own Two Feet
  • Customers Can Improve Credit Worthiness with a 1plus1 Loan.
  • Your Loan can be for any purpose
  • Friends and Family Helping Each other.


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Frequently Asked Questions

Here we will answer as many questions as we possibly can. We update the page daily when we are asked a new question. If you have a question and it is not answered on this page then please do not hesitate to ask. Simply email your question to ask@1plus1loans.co.uk and we will answer directly to you and add it to this page for everyone else to view.

The sign contract links don't work in my e-mail

Our e-mail is possibly marked as SPAM or JUNK or in either of those folders depending on your email client.

JUNK and SPAM folders disable links in e-mails by default to prevent malicous hackers placing viruses on your computer.

You will need to mark our e-mails "Not SPAM" or "Not JUNK" and/or move them to your inbox. Then the links to your contracts should work.

Make sure you mark our domain as a safe sender to receive any future important e-mails.

What is a Guarantor?

A Guarantor is a friend or family member that will back up your loan if you fail to make repayments. So if they know you and they know you will pay back the loan, they may be happy to go as a Guarantor for you.

Do I need a Guarantor?

Yes. All of our customers require a Guarantor to back up a loan with us. If your credit is bad or you have no credit at all then the chances are you will require a guarantor. We basically ask your friends and family (the people who trust and know you) if your good to repay the loan. So there is no need to judge you by your credit rating.

Why have you rejected my Guarantor?

We may have rejected your Guarantor for a number of reasons. Before sending your Guarantors information please note that they

  1. Must own their home,
  2. Have a good credit rating
  3. Must not be older than 75 years when the loan completes.
  4. Most importantly know that they are agreeing to Guarantee the loan for you.

Don't waste your time or ours by providing a guarantor who is renting their property or they are a home owner with a bad credit rating. The application will fail and you will be asked to provide another Guarantor only delaying your application. We can not make exceptions with these rules. We also operate a 3 strikes rule on providing a Guarantor, so if after providing 3 separate Guarantors that fail, we will have to cancel your application.

Do you charge a fee to apply?

No. We do not charge a fee to apply for a loan with us.

I was charged a fee by another company to apply with you.

If you were charged a fee by a third party company, that would possibly have been a fee they charge for searching for lenders on your behalf. You will have to speak to that company directly as we do not charge a fee to apply and we can not deduct fees from a loan you take with us.

Is there a broker fee?

You will only be charged a broker fee if your loan was brokered with us by a third party. So if you came through another website and they passed your details to us then a brokerage fee may be applied.

I have an IVA, can I still apply?

You will be rejected if you have a IVA. We are very sorry but there is nothing else we can do regarding this.

I am currently Bankrupt, can I still apply for a loan?

We can not offer people a loan who are currently bankrupt.

Can I pay the loan back early?

You can pay back your loan in full at any time. We do not charge a penny to do so. You just need to clear the balance that is left on your account. Please call 0844 800 6690 and we can get your account paid up in full. You can do this by card or bank transfer.

I am a Home Owner. Can I use my partner/spouse as the Guarantor if they are on the Mortgage with me?

No. You can not use your partner who owns/lives in the same property as yourself. You need to get a Guarantor who owns their own home (not with you) to be your Guarantor.

I live with my parents. Can they be my Guarantor?

YES. They can be your Guarantor. No problem as long as they have a good credit rating they will be approved.

Do I have to be on the Electoral Role to be eligible for a loan with 1plus1 Loans?

No, although it does help speed up the process if you are. If you are not on the Electoral register then we will need to validate you in other ways which can make the process from application to payout a little longer.

I am not happy, I would like to make a complaint

If your are not happy with something, we would like to fix it. Give us a call and let us know about it. Also please check out our Making a complaint page for more information.

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Feel free to drop us a line or email...

Call 01904 500 069

Email info@1plus1loans.co.uk
Opening Times

Monday to Friday 9am to 6pm

1plus1 Loans Ltd
The Old Tannery


Do you have an enquiry?

Send us a message...

Icon FooterGet in touchIcon FooterStay in touchIcon FooterRepaymentsIcon FooterAdditional Info
Icon Laptop info@1plus1loans.co.uk
Icon Telephone 01904 500 069
Icon Letter 1plus1 Loans Ltd,
The Old Tannery,
Lancashire BB5 6PW

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45.4% APR Representative Typical*

* Your actual APR will depend on the amount and time it is borrowed over. At our typical rate, borrow £3000 over 3 years (36 months) and pay back £140.84 per month (Fixed). Total payable £5070.24.

© Copyright 1plus1 Loans Limited 2013 - 2015. All rights reserved. 1plus1 Loans Limited is registered in the UK. Company No: 8387053 Registered Address: 1plus1 Loans Limited, The Old Tannery, Eastgate, Accrington, Lancashire, BB5 6PW. Data protection No. Z3574423. CCL No: 656190