What if I'm already in debt?

Your current credit commitments will be taken into consideration when our automated system makes a decision and we only lend to people whom we believe can afford the service. But if you know you're already experiencing problems meeting existing financial commitments, please don't apply in the first place. Our loan will only add to your commitments and it will need repaying within a month. Instead, we recommend you talk to the good people at the Consumer Advice Bureau or visit the Consumer Credit Counselling Service.