We've made Family Loans faster ⚡

We've changed the way you apply for a Family Loan. It might look a little different, but there's a good reason for it.

What we wanted to achieve with this change is less waiting, quicker decisions and money in your account sooner.

You've always been able to apply for a loan 24/7, but we want to go one step further. Our goal is for you to get a decision and receive your money whenever you need it, without having to wait for our team to be back in the office.

Our new system means most people will now get an instant decision. If you're approved and sign your loan agreement, your money could be in your account within minutes (although faster payments could take up to 2 hours, most of the time it's immediate).

And the best bit? You don't need to wait for things to happen during our working hours.

Whether it's an evening or the weekend, you won't have to wait for us to get back to our desks before your application can move forward.

So, what's changed?

The application looks different because we're using a new system, but most of the questions are the same.

You still start your application in the app by clicking "Get Loan" then "Family Loan" then "Apply Now".

You'll then enter your first name, last name and date of birth. We'll send you a security code to enter before your application begins. You pick whether you want it by email or text, like you do when taking money out of your savings account.

From there, choose Family Loan and tell us how much you'd like to borrow.

You can now choose the amount yourself, too. So, if you already have a Family Loan and want to apply for an increase, you can select the exact amount you'd like. We'll let you know the maximum Family Loan we could provide upfront.

The main thing to remember is to keep going until the very end. The system will tell you when your application has been submitted.

If you're approved, we'll email you a link that takes you straight to your loan agreement.

We've made that bit easier too, so you can get everything signed without the usual wait.

Finding your feet with the new system?

We've tried to keep things as simple as possible, but we know changing something you're used to can be a bit confusing at first.

If you get stuck, just send us a screenshot showing where you've got to. We'll take a look and help you sort it out.

It's a different way of applying, but one that should make getting a Family Loan much quicker and easier.

A few final things...

For now, the new process is only available to existing members who already have a Family Loan. So, if that's you, congratulations! You're part of the exclusive club getting to use it first 🎉

Not every application will get an instant decision. Some will still need a member of our team to take a closer look. But because we're no longer checking every single application by hand, those applications that do need a staff review should get a decision faster than before, too.

We're always looking for ways to make things better, faster and easier for our members. We won't always get everything right first time, and sometimes it takes a few goes to get there. But every change we make has the same goal of making things better for you.