1Plus1 Loans

We do this by verifying income and expenditure. We have several ways of doing this. We always go through a verbal affordability assessment with everyone of our customer's and guarantor's to ensure they have enough spare income left over (after all essential bills) to make the monthly repayments and also have the ability to pay for any unexpected emergencies that can occur in day to day life. We have links with Banks and other financial institutions who can verify our customers income and expenditure without ever having to provide payslips or Bank statements, speeding up the application process. We use ONS data to make sure everyone fits the expenditure you would expect through current levels of inflation. Our team of experts make sure everything fits and progress the loan to our payout team. The outcome...