Fix My Finances is a licensed Credit Broker and not a Lender

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

Key Facts

Disclosure of Fees including Representative APR for Payday Loans

Interest Charged:

Short Term Loans: £400 borrowed or 90 days. Total amount repayable is £561.92 in 3 monthly instalments of £187.31. Interest charged is £161.92, interest rate 161.9% (variable)

Personal Loans: £2,000 borrowed for 24 months. Total amount repayable is £6,512.44 in 24 monthly instalments of £271.36. Interest charged is £4,512.44, interest rate 112.8% (variable)

Renewals Policy

Our lenders understand there can be times when you are unable to repay your loan in full when it is due. If you find yourself in this situation the lenders will normally consider giving you an extension of the loan. However, before they do the will need to assess whether offering an extension will adversely affect your financial situation. You will need to discuss this with your lender as soon as you are aware that you will not be able to repay the loan. If they agree to roll your loan over, you will only be required to repay the interest. The original amount borrowed will be 'rolled over' into a new loan, which you will need to repay when you next get paid. Extensions, partial payment and early payoff requests must normally be received at least three working days before you are due to repay the loan.

Code of Practice:

Transparency Policy: Our Lenders provide all customers with a clear and understandable agreement, showing the perspective repayable amount, as well as examples. All figure work is clearly shown at all times and includes both the interest and any other costs. The customer will only be requested to make extra repayment if they do not honour their agreement, and the Lender incurs costs to recover the outstanding balance.

Services Provided:

Most lenders offer a service to assist its customers to take steps to overcome short-term cash flow problems. Due to the nature of short term lending the customer will need to settle their loan within the 29-day maximum period. Our Service allows customers to access our service again in the future if they require a further short-term cash facility.

Responsible Lending Policy:

The Affiliate People Limited is an online lead generation vehicle, which helps users locate potential payday loan companies to provide their short-term cash loan. Our procedures are in place to ensure that The Affiliate People Limited makes the best decisions with matching our users details to a quick cash lender.

Other Practices:

The Affiliate People Limited provides a transparent service and urge customers to take careful consideration when entering any agreement, and using any credit facility responsibly. The Affiliate People Limited advises all customers of the implications of late or non-payment, and provided suggestions to customers experiencing financial difficulties referring them where necessary to the Consumer Credit Counselling Services.

Financial Ombudsman Services:

The Affiliate People Limited operates a complaints procedure in the event that a customer is dissatisfied with any aspect of the services and the way we proved them. Full details are available on request.

How are the Affiliate People Remunerated:

The Affiliate People do not charge customers a fee for using its broker services, but it receives a commission from lenders or other brokers if a customer enters into a consumer credit agreement with a lender or broker following an introduction through this website.

A 3 MONTH TERM LOAN OFFERS A SHORT TERM FINANCIAL SOLUTION AND SHOULD NOT BE USED AS A LONG TERM SOLUTION.

IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.

Fixmyfinances.co.uk does not make loan or credit decisions and is not a lender. Fixmyfinances.co.uk matches customer’s finance applications with lenders and brokers in our database depending on the information provided allowing customers to make multiple applications to a number of loan providers via a single online form. The completion of the application form does not guarantee approval of finance. The loan amount will vary depending on the lender or broker who accepts the application within our database. Finance may not be available to every customer. Any information on this website should be taken as opinion only. Fix My Finances does not charge customers a fee for using its broker services, but it receives a commission from lenders or other brokers if a customer enters into a consumer credit agreement with a lender or broker following an introduction through this website.

*The loan amount and interest rate you are offered is subject to lenders requirements and approval. If accepted by a lender, a full credit check will be carried out. If we are unable to find you a loan we may offer you an alternative product.

Most loans under £2,000 can be paid into your bank account within one hour. However not all of our lenders offer this service and some may not pay straight into your bank account. Subject to lenders requirements and approval or your banks policies and procedures.

Short Term Loans Representative 305.9% APR Representative example: £400 borrowed or 90 days. Total amount repayable is £561.92 in 3 monthly instalments of £187.31. Interest charged is £161.92, interest rate 161.9% (variable)

Personal Loans Representative 51.1% APR Representative example: £2,000 borrowed for 24 months. Total amount repayable is £6,512.44 in 24 monthly instalments of £271.36. Interest charged is £4,512.44, interest rate 112.8% (variable)

Fix My Finances is a trading style of The Affiliate People; a company registered in England and Wales, registered number 06903071 and registered office address Suite 408-9, Britannia House, 1-11 Glenthorne Road, London. W6 0LH. For further details click here click here. The Company is duly registered with: The Data Protection Act, 1998 Reg. No: Z259836X;

The Affiliate People Ltd (Financial Conduct Authority register number 724835) is an appointed representative of Ingard Financial Limited which is authorised and regulated by The Financial Conduct Authority under Register number 450731.