We have many years of experience in finding loans for people in all kinds of situations, our system is built upon this knowledge. We have an indepth knowledge of our lenders and their lending criteria. We suggest lenders who we think will accept a customer based on the details provided by the customer and our understanding of the lenders' policies. The lender will undertake their own assessment of the application and determine your suitability.
Once you complete and submit the online application form we search hundreds of loan providers on your behalf. If one lender rejects your application it will be immediately forwarded to other suitable lenders.

Please note however that searching and applying for loans may impact your credit score to read more please see our "Will my application for a loan affect my credit rating?" question below.

Our dedicated staff have many years of experience in the loans market and a very high success rate of matching customers to loans.
Once our customers complete and submit the online application form, our system springs into action and is able to find a product or a range of products which match their criteria. This is done in seconds.
We are also on hand to answer and questions our customers may have in relation to loan solutions available to them and provide further information about products that are available.
We can help with all types of loans. Our areas of expertise include a whole range of unsecured loans.

The amount available for you to borrow will be affected by many different factors, including:
Credit history - If you’ve defaulted on loans or missed payments in the past it is likely that you will have a bad credit history. Therefore the types of loan you can apply for will be limited and the amounts available to borrow may be less than £1000 and sometimes less than £600.

Type of loan - There are many different types of loans on the market offering different amounts to borrow, different time periods to repay and different charges, fees and APR.

Many unsecured loan providers offer loans of up to £10,000 and longer repayment plans.
Whether you qualify or not will depend on your credit history, salary and other circumstances.
See our Loans Guide for more information.

Some of our lenders will approve your application in minutes and pay the money into your bank within an hour. Others may take longer to accept, process and pay the loan you’ve requested.
Payment times can vary between lenders and the time it takes to receive a loan can also be affected by when you apply (applying before 3pm on a working day often means money can be paid by the end of the same day), some banks also take longer than others to process payments.
If you’re concerned about the whereabouts of your loan payment contact our customer support team and we will track your application and estimate a time of payment for you.

This will depend on the type of loan you’ve taken and will vary from lender to lender. Short term loans, such as Payday Loans, will typically need to be paid back within 30 days.
Other loans, may be paid back over months or years.
Take a look at our loan guide to help you choose the loan that best suits your needs.

Loanbookers charges a fee of £23.50 to find you a loan which is to be paid to us within the first 10 days of you making your application.

Under the Consumer Credit Act 1974, if you do not enter into a loan agreement with a lender we introduce you to within 6 months of starting to act for you, you shall have the right to claim a refund of our brokerage fee, less £5.

We are however, happy to refund your brokerage fee less £5 at any time after you have paid us for our loan finding service (as long as you have not entered into a loan agreement with a lender we have introduced you to) you do not have to wait 6 months and you do not have to give us any reason.

APR stands for the Annual Percentage Rate. APR is a percentage figure which represents how much your loan will cost you for a year and is designed to enable you to compare products.
If you took a loan for £100 and the APR was 9% then if you pay back your loan in 1 year you will pay £9.
The APR for Payday Loans may seem very large, but as these loans are typically designed to cover 30 days, APR is not the best way to measure how much you will repay on your loan.

This will depend on the lenders and on your circumstances.
If you have existing loans you wish to clear, a debt consolidation loan may be your best option.
Complete our quick online application form and we’ll be able to let you what options are available for you in a few minutes.

To find out how this might affect your credit history please see our "Will my application for a loan affect my credit rating?" question below.

You will have agreed to the terms and condition of your loan with the loan provider at the beginning of the application process before you receive your loan.
To amend any of the terms and conditions you will need to contact the lender directly to discuss this however this will be at the lender's discretion.
If you are experiencing difficulties making the repayments most lenders will be sympathetic and may be able to extend the repayment period, which will reduce the monthly payments.
However, this may involve paying a larger sum, over a longer period of time, than the original offer.
Look carefully at your budget before applying for a loan and make sure you apply for an amount you are confident you can repay comfortably over the period of the loan.

The majority of our lenders will only provide loans for people in full time employment.
However, there are some specialist lenders that may be able to help. The types of loans and amounts available to borrow for unemployed people will be limited.
Complete our online application form and we’ll match you with a lender that suits your circumstances.

Some loans are designed for specific purposes (home improvement loans, car finance, etc) but many of our lenders will not ask the reason the borrower needs a loan.
Most providers of short term, unsecured loans for under £1000, such as Payday Loans, will not ask why borrowers need a loan.
Take a look at our loan guide for more details on the different types of loans and application procedures.

Your ‘credit rating’ or ‘credit score’ is based on your credit history - how you have paid debts and bills in the past.
Many companies use credit agencies to check your credit. These agencies keep all of your financial history on file and rate or score you on how you manage your debts, bills and loans.
Not all lenders use credit agencies when deciding to approve you for a loan, some make their decisions based only on the basic information you provide on your loan application form.
If you have a bad credit history and a low credit rating it will affect the type of loans you can apply for and the amount that you may be offered.

Some of the loan options we provide will not require a credit check during the application process as these lenders base their decision to lend you money on the information you supply when applying. However many lenders will use credit references to assess your suitability for credit.
Equally, when you repay an existing payday loan, this too will be added to and may improve your credit history.
It is important to remember that missing payments or making multiple applications that are refused will damage your credit score.
Using LoanBookers to search available loan options for you can be a much safer and effective way to take care of your credit history.