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

Terms and Conditions

Please read the details set out below carefully before using this website ("our Site"). By accessing our Site, you agree to accept and act in accordance with the following terms and conditions (the "Terms"). If you do not accept these Terms, please refrain from using our Site.

References to 'you', 'your' and 'yours' are references to the person(s) accessing our Site and the party/ies represented by such person(s).

References to 'we', 'us' and 'our' are references to The Affiliate People Limited.

Information about us

Any information that you provide on this website is controlled by The Affiliate People Limited which is registered as a data controller with the Information Commissioner's Office in the United Kingdom under reference: Z259836X.

The Affiliate People Limited, 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 you can call 02087411838.

The Affiliate People Ltd are an Appointed Representative of Ingard Financial Limited which is authorised and regulated by The Financial Conduct Authority, Registered number 450731.

Fix My Finances is not a lender but is an online credit broker which introduces borrowers and lenders for the purposes of entering into loan agreements. Fix My Finances uses a consumer application system, allowing customers to make instant applications to a multiple of Loan providers via a single online form. 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.

Accessing our Site

Access to our Site is permitted on a temporary basis and we reserve the right to withdraw or amend the service we provide on our Site without notice. From time to time we may restrict access to some parts of our Site, or our entire Site, to users who have registered with us.

Users

Our Site and the information contained within it is intended for those who access it from the United Kingdom. If you are viewing our Site from outside the United Kingdom you should note that the information contained within it may not be appropriate for use in other places and may not comply with the laws of any territory outside the United Kingdom. If you choose to access our Site from a country other than the United Kingdom you do so at your own risk and you are responsible for compliance with local laws. You are wholly responsible for your own use of our Site and the use of our Site by any person using your computer and you must ensure that any such person complies with these Terms.

To register with our lenders you must be over eighteen (18) years of age. You must ensure that the details provided by you on completion of our application form are correct and complete. You must inform us immediately of any changes to the information that you provided when registering by updating your personal details.

Use of Information

Neither the information, nor any opinion contained in our Site constitutes an offer or recommendation to enter into any financial transaction. Before making any decision or taking any action that might affect your personal finances or business, you should always consult a suitably qualified professional advisor. The contents of any materials posted on this Site are for information purposes only and do not constitute investment, financial or professional advice and no reliance should be placed on them. Any figures shown on this Site are subject to change

Our Site changes regularly

We are constantly changing and improving our services. We may add or remove functionalities or features and we may suspend or stop a service altogether. We aim to update our Site regularly and may change the content at any time. Any of the material on our Site may be out of date at any given time and we are under no obligation to update such material.

Our liability

These provisions should be read carefully as they exclude or limit our legal liability in connection with your use of our Site. Nothing in these Terms shall exclude liability that is not permissible under applicable law, including without limitation, for death or personal injury, or for fraudulent misrepresentation. These Terms do not apply to or affect our liability to you in respect of any product or service you may obtain from us using our Site and our liability to you in respect of such product or service is governed by the relevant set of terms and conditions applicable to such product or service. Whilst we have taken reasonable steps to ensure the accuracy and completeness of the information contained in our Site we accept no responsibility for your use of or inability to use or the results of your use of our Site nor for any errors or omissions contained in our Site nor if our Site is unavailable for any time or any period. We provide the Site"as is". The use of our Site and the materials contained in it are entirely at your own risk.

We shall not be responsible for any direct or indirect:


We shall not be responsible for the accuracy, functionality or performance of any third party software that may be used in connection with our site.

Third party websites

Links contained in our Site might lead to other websites not under our control, and we shall not be responsible for the content, privacy practices, availability or use which you make of any linked site which is not operated by us or any link contained in a linked site not operated by us. Links on our Site are provided to you only as a convenience and we do not endorse or review any pages linked to our Site. Accordingly, you should read the terms and conditions of linked websites before using them and direct any questions or comments about the linked website's contents to the relevant website provider. You are not entitled (nor will you assist others)to set up links from your own websites to our Site (whether by hypertext linking, deep-linking, framing, toggling or otherwise) without our prior written consent, which we may grant or withhold at our absolute discretion. You are also not entitled to direct link (also known as "Hot Link") any images or content without our prior written authorisation.

Transmission of information is at your risk

We cannot guarantee that the transmission of information or messages sent over the internet is completely secure as there is a possibility of interception at all times. Any transmission is at your own risk. We shall not be responsible for any loss, damages or costs whatsoever which you suffer or incur in connection with or arising out of any transmission of information or message sent by you to us or by us to you over the internet or the alteration, interception or misuse of such information. Once we have received your information or message we will use strict procedures and security features to try to prevent unauthorised access. It is your responsibility to keep security information, such as PIN numbers or passwords, secure at all times. We will never ask you for this information and you should not disclose it to any third parties. If you receive any email or other request for such information you should delete it immediately and should not respond. If you think you may have disclosed any security information you must advise us immediately.

Viruses, Hacking and Other Offences

You must not misuse our Site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Site, the server on which our Site is stored or any server, computer or database connected to our Site. You must not attack our Site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence. We will report any such breach to the relevant law enforcement authorities and will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Site will cease immediately. We will not be responsible for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our Site or to your downloading of any material posted on it, or on any website linked to it.

Intellectual Property

All copyright, trademarks, logos, brands and all other intellectual property rights in our Site and its content(including without limitation the pages, screens, information and material) and all software and source codes connected with our Site are owned by or licensed to The Affiliate People Limited unless otherwise noted. You may print, copy, download or temporarily store extracts from our Site for your personal information or when you use our products and services. You must not alter anything. Any other use is prohibited unless you first get our written permission. You may not republish, retransmit, redistribute, sell, modify or deal in any way with or otherwise make such information or pages available to any other party or available on any website, on-line service or bulletin board of your own or of any other party or make the same available in hard copy or on any other media without our express prior written consent.

Other than as provided above you may not use or reproduce our trademarks, logos or brand names.

Governing law and disputes

These Terms and any dispute or claim arising out of or in connection with them or your use of our Site (including non-contractual disputes or claims) are governed by and interpreted in accordance with the laws of England. The English courts will have non-exclusive jurisdiction over any dispute or claim arising from or related to these Terms or your use of our Site (including non-contractual disputes or claims) provided always that you may bring any proceedings in your country of residence.

Information about you and your visits to our Site

Please read our privacy policy for information on how we collect and use your personal information.

How to contact us

If you would like further information in connection with anything on our site or want to make a complaint, please contact us at support@fixmyfinances.co.uk.

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.