We have made changes to our finance offer and are no longer accepting new applications for finance products.

FAQs

Answers to some of the most common questions.

Existing customers

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Terms and conditions

Our loan agreement terms and conditions can be found here.

Privacy notice

Privacy notice for Places for People Financial Services Limited. 

Please be assured that we remain committed to helping prevent our customers falling into unnecessary debt. As a Responsible Lender, we will continue to provide support to customers who may be experiencing financial difficulty.

We are proactively monitoring the latest Government advice and guidance from the Financial Conduct Authority (FCA), and can assure you that we will continue to do all that we can to help protect you during this ongoing period of uncertainty.

If you are concerned about the impact that Coronavirus may have on your loan with us, or are experiencing financial difficulties due to the ongoing effects of the Coronavirus pandemic, please let us know as soon as possible by calling us on 01772 666100 or by emailing loans@placesforpeople.co.uk and we’ll get back to you as soon as possible.

It is important for us to understand how your financial situation has been affected so we can work with you to find the best solution. We are still able to provide support, and we can offer a range of options which may help, including payment deferrals or reductions. Please be aware that this may not be the best option for your circumstances as payment deferrals or reductions may increase the balance on your account, but will not adversely affect your credit score for the duration of any agreement.

Unsecured Loan terms explained

Term What it means
APR This is the interest rate on your loan. APR stands for 'Annual Percentage Rate' and it is this amount of interest your loan charges over a year.
Debt consolidation If you have existing debts you can take out a new loan to pay them all off, leaving you with just one monthly payment to make.
Repayment period The amount of time it will take to repay your loan. The longer the repayment period, the smaller each monthly payment will be.
Representative example Before you get a loan quote, you may see a 'representative example' of what the loan is likely to cost. Depending on your circumstances, the deal you are offered may be slightly different.
Total amount payable The total amount you will repay over the course of your loan, including interest.
Total credit cost The total interest to be paid over the course of your loan.