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.
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 and 10am to 4pm on Saturdays.
Our online Team operate 24 hours, 7 days a week. If you need help out of office hours then we are only an email away.
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 email@example.com and we will answer directly to you and add it to this page for everyone else to view.
Our e-mail is possibly marked as SPAM or JUNK or in either of those folders depending on your email client.
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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.
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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.
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.
We may have rejected your Guarantor for a number of reasons. Before sending your Guarantors information please note that they
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.
No. We do not charge a fee to apply for a loan with us.
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.
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.
You will be rejected if you have a IVA. We are very sorry but there is nothing else we can do regarding this.
We can not offer people a loan who are currently bankrupt.
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.
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.
YES. They can be your Guarantor. No problem as long as they have a good credit rating they will be approved.
Yes. You have to be on the Electoral role. This is one of our requirements and we can not make any exceptions. Sorry.