What Our Customers Would Like To Know

Can I apply?

In order to give yourself the best chance of being accepted for a loan through Moolr, you must:

  • be between the ages of 18 and 70
  • be a UK resident
  • be hold a current UK bank account and debit card
  • have a monthly net income of more than £700
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305.9% APR

for loans between £500 and £5,000.

Representative example: £400 borrowed for 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). Representative 305.9% APR.

Everything you should know

What can you offer me?

We enable our customers to access to a vast network of short term loan lenders via our application form. We are not a direct lender and don't administer loans ourselves. We never charge a fee for our service, and what’s more, there is absolutely no obligation to commit to your loan offer – there really is nothing to lose.

Am I eligible to apply?

There are just a few things you need in order to apply. You must be 18 years old or more, reside in the UK, with a UK bank account, and have a regular income. This does not necessarily have to be from employment, but has to be relative to the loan amount required.

Do you perform a credit check?

No, we will never run a credit check on you during the application process. However, as with any lending product, under responsible lending guidelines, most lenders will.

What does APR mean?

APR is an abbreviation for Annual Percentage Rate, and reflects the cost of borrowing over 1 year. APR can be an effective method of comparing loan offers, as it shows how much extra than the amount borrowed you will repay.

When will I receive my money?

Once you have clicked apply with us, and we have redirected you to a willing loan offer, you simply finalise your application with your lender. Cash transfer times vary from lender-to-lender, but often can show the same day, depending on the terms and procedures of your specific lender. Most loans are funded within 2-3 days.

Can I change my mind?

If the funds have not been transferred from your lender, then you must contact them immediately if you want to cancel. Each lender has a cancellation policy that may differ from others, but you should have a cooling-off period. Please check the terms and conditions of your lender carefully.

How much can I borrow?

The lenders we work with are able to fund loan requirements from £100-5000. The value of the loan you require will depend on that lender, and on your personal circumstances.

Why do I have to give you personal information?

Our application form is exactly as a direct lender’s form would be. The reason for this, is that the lenders have to have all relevant information from a customer, so that they can run their algorithm, perform their checks, and be comfortable in the amount they are willing to lend.

How do I repay my loan?

The reason why lenders need to know your bank account, is not only so that they know where to send the money, but also where to take the repayments from. Usually, you will agree a date for the repayments, and the lender will automatically take the agreed amount on that date.

What if I cannot repay my loan?

The first thing to do if you are struggling to repay your loan is not to worry. Whilst it can be stressful, most lenders will be sympathetic, and work with you to arrange a repayment plan to suit your budget. Please contact your lender at the earliest sign of problems, to avoid unnecessary late payment fees.

What is your representative APR?

For loans between £100 and £750, over 1 month, our representative APR is 1261%. For loans from £750-5000, repaid between 3 and 36 months, our representative APR is 99.9%.

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71.3% APR

for loans between £500 and £5,000.

Representative example: £400 borrowed for 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). Representative 305.9% APR.

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This example is for illustration purposes only. Customers who do not meet our normal criteria may be offered a different APR to our representative rate.