Applying for a loan with us is quick and easy using our online application form.

Before applying, you will need to confirm that you meet the following criteria:

  • You are a UK resident
  • You are over the age of 18
  • You earn more than £450 a month (we will accept wages and benefit income)
  • You have a bank account

Your application should take around 10 minutes. The information you provide ensures we can give you the best possible offer.

Please have your bank details ready as we'll need these for your application.

For more information, read our FAQs.

Apply now


If you don't have a bank account

If you would like to apply for a loan but do not have a bank account then you may wish to consider setting up a Change Account.

Working in partnership with Places For People, the Change Account offers a Prepaid Debit Mastercard® and has full transactional capabilities with multiple benefits, including Faster Payments, Direct Debit and a wide ranging Rewards Programme.

When your account is set up, you can use these bank details to apply for a loan with us.

Will I be approved for a loan?

When we assess your application, we look at things like:

  • Whether you're up to date on your finances
  • Any other debts you have
  • How much you can afford to pay each month

If you're not sure whether your loan is affordable, it might be worth borrowing less or extending the repayment period. 

Representative example

Annual Interest Rate (fixed) is 71.3% p.a., with a representative 99.9% APR based on borrowing £500 and repaying over 52 weeks with 52 weekly repayments. Weekly repayments of £13.47 with total amount repayable of £700.44.


Places for People Financial Services Limited is authorised and regulated by the Financial Conduct Authority with firm reference number 663756