Firth Finance prides itself as a Responsible Lender with Family Values and Morals.
Working hard to make sure that you come first! Firth Finance makes sure that you are treated fairly and are offered favourable terms that are affordable with no hidden charges or late fees and you have repayment methods that suit you.
“Protecting The Interests Of Our Customers Every Day”
How Does It Work?
As Responsible Lenders we have set out the application process in steps that are easy to follow and understand.
After you have used the quick calculator for either a Cash Loan or Vouchers, follow the steps provided to finalise your application – it will take less than 5 minutes and is very easy to complete.
We'll receive your application immediately. For your protection, all applications are subject to a Credit Check and Customer Affordability Assessment. View our terms & conditions.
We will process your application as quickly as possible, aiming to have a decision for you within two working days (excluding weekends or Bank Holidays). One of our friendly staff will be in contact; and if necessary, at a time convenient to you an agent will call to your home to discuss your needs and finalise your application.
Repayments can be either by home collection or by debit card, you will even receive a rebate if your loan is paid back early!
1
Quick Calculator
Use the Quick Loan or Voucher Calculator to see a clear and transparent Representative Example of what we offer.
2
Online Application
Complete the Application Screens, it takes less than 5 minutes.
3
Processing
We will process your application and perform a quick credit check.
4
Contact From Us
We will be in contact within 2 working days (Mon-Fri, excluding Bank Holidays).
Apply For a Loan or Vouchers
Now that you have had a chance to use the Quick Calculator, please complete the Application Form below, it takes less than 5 minutes and we will be back to you as quick as we can.
Frequently Asked Questions
Firth Finance prides its self as a Responsible Lender with Family Values and Morals.
Working hard to make sure that you come first! Firth Finance makes sure that you are treated fairly and are offered favourable terms that are affordable with no hidden charges or late fees and you have repayment methods that suit you. Our friendly and professional Agents will work with you to make sure you remain comfortable and within what you can afford.
We are one of the cheapest Home Credit lenders as can be seen on Lenders Compared here.
Firth Finance are Authorised and Regulated by the Financial Conduct Authority and the CCA ensuring that you are choosing a fully compliant, authorised and regulated company.
Having a bad credit rating is not necessarily the “end of the line” if you need to borrow some money.
Firth Finance have helped many people in the past to lend some cash and even boost their rating by keeping regular payments.
An Affordability Assessment will be conducted, so we can see that you are in a position (and will remain that way for the full terms of the loan) then we may be able to help you.
Choosing to have you loan loaded onto a Firth Finance Pre-Paid Mastercard is free of charge, and there are no additional costs to you for using your card. There is a 2.75% FX fee for using your card abroad, and a £0.75 charge if you use it to withdraw cash from an ATM
If you lose your Firth Finance Pre-Paid Mastercard or it is damaged and you need a replacement card there is a fee of £7.80.
Firth Finance has teamed up with B4B Payments who are our Finance Card Partners. Your Firth Finance Pre-Paid Mastercard is issued to you by them on our behalf.
If you are a new customer you can borrow between £100 and £200 as a Cash Loan and between £100 and £200 in Love2shop Vouchers.
If you are keeping regular payments you will be able to borrow more on additional loans up to £1000.
When you choose Firth Finance we tell you everything at the beginning – There are no hidden fees and no late charges. If you find yourself struggling to upkeep your payments we will work with you and get you onto a payment plan until you back on your feet again.
We aim to be in contact with you within two working days (Mon-Fri excluding Bank Holidays). This allows us time to process your application.
Once you have been approved we can either deliver cash to your door or transfer it directly into your Bank Account.
Payments start 7 days after you receive your Loan.
You have three options to make payments. Either an Agent can call at your door and collect your payment, you can pay by Standing Order or you may prefer to pay by Debit Card.
You will get a collection card so you can keep tabs on your weekly payments.
The security and privacy of our customers information is paramount to Firth Finance.
Firth Finance gather and process your personal information in accordance with our privacy notice and in compliance with the relevant data protection Regulation and Laws.
Please note: we are obligated to share some information with Credit Reference Agencies.
We are Authorised and Regulated by the Financial Conduct Authority (FCA)
As a Responsible Lender we put you first. We like to make sure that your loan is manageable and affordable for you. An Affordability Assessment helps us to make sure that you don’t run into difficulties while paying back your loan.
This is usually done with a Credit Reference Agency, however if this is not possible or if we would like further proof of income, an agent will call with you in the privacy of your own home to view your documents (either a paper copy or on-line document if you manage your accounts through an app or online service).
We will never take your documentation away or make note of any figures or numbers during the Assessment. A list of example documents that can be used will be provided to you before the Assessment if one is necessary.