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   If you are looking to loan, we can help. We are an independent loan broker , with access to all the best loan deals.
   Easy Step Finance doesnít ask what you need the money for; the importance is getting you the money you need as quickly as possible. We try to give you an instant approval decision same time.
   We do not Charge setup fee for Loan. Easy Step Finance Provide you best deal for any purpose Loan, No matter if you have bad credit, You donít Have credit or debit card or you are earning less or unemployed!

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Frequently Asked Questions

How much can I borrow?

  You can borrow any amount from £250 - £100,000. Occasionally we even process loans for greater amounts.

What can I use my loan for?

  We provide loan almost for all propose. The majority of our customers consolidate some or all of their existing credit in order to reduce their monthly outgoings. They also tend to raise additional cash to spend as they wish, but others for example may make home improvements, buy a new car, or even take a well deserved holiday. It's your money, so how you spend it is up to you.

 

How quickly can I get my loan?

  Quicker than you would imagine. We endeavour to have all loans completed within 5 days of application, although of course just as it can occasionally take longer, it can also be quicker. The sooner you return any documents we need, to us, the sooner you will have your loan. You can help us make it happen. And some time same day in case of payday loan.

 

What will my loan cost me?

  That depends of course on how much you wish to borrow and what period you wish to repay it over. We will tailor your loan with you to ensure your repayments suit your budget. We do not encourage people to borrow more than they can comfortably afford to repay.

 

What does it cost to apply?

  Absolutely nothing. Applying is FREE, regardless of whether you call us or apply on-line.

 

what is secured loan and unsecured loan??

  If you are borrowing loan against your any security (such as a mortgage or vehicles) called secured loan. If you are a Tenant or even living with your parents, you could apply for an Unsecured Easy Loan . Homeowners have the extra option to apply for a Secured Loan against their property..

 

How do I apply?

Simply Click Here. Secured Loan l Unsecured Loanl LogBook Loan l Payday Loans l Easy Finance l Easy Loan | Personal Loan | Tenant Loan | Bad Credit Loan | Loan Advice | Home owner Loan | online Loan | Loan information | qualified adviser | Best loan Companies | Free Loan Quote | CCJ Loan |
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Why should I cover my payments with repayment protection cover?

  Quite simply for peace of mind. In the event you were unable to make the repayments due to redundancy, sickness, or even an accident at work, your repayments (subject to certain exclusions and terms) will be made for you directly by the insurer. The majority of our customers opt for this valuable cover.

 

Will you charge a fee?

    We do mostly cases without charging any fee, but in some cases depend on case profile upon completion(never upfront) of loan we may apply a fee of up to a maximum 0.5%.

 

Will you contact my employer?

  We would never contact them without your consent. If you have pay slips and / or a P60, this will certainly not be necessary. If you cannot produce pay slips, we may ask your permission to obtain a brief reference from your employer, purely asking them to confirm your position, length in employment and your annual salary. We will not supply them with any details of your loan application and they will not be made aware you are applying for finance.

 

Can I repay my loan early?

  YES you can. If you do so, you will be charged an early settlement penalty, and you will benefit from a rebate of interest. This means you will not have to pay all the interest that would have been due if the loan was to run for the full term, so ultimately the total cost of your loan will be less.

 

Can I pay more than my agreed repayment per month?

  YES you can. Many of our loans allow you to make payments over and above your standard monthly repayment, whether it be at the same time as your normal monthly repayment or at any other point in the month. The amounts you pay over and above will reduce the outstanding balance of your loan accordingly. This means you will be paying the same monthly interest rate, but on a smaller loan balance, therefore you will be able to clear your loan in full sooner than the term it was originally scheduled over. Each lender have their own rules in relation to this question. Further information can be obtained if requested.

 

Can I get a loan if I have arrears on my mortgage?

  YES you can. Having arrears on your mortgage does not prevent you from getting a loan. If you have arrears when your loan completes, all the arrears will be paid directly by the lender from the proceeds of your loan. So when applying, if you want to receive a certain amount of cash in your hand, you must add on the amount you need to clear your arrears.

 

Can I get a loan if I have a bad credit rating?

  YES you can.We have loans available for people with bad credit. Having a bad credit rating does not prevent you from getting a loan. You may be considering consolidating some or all of the credit you have (if any) to reduce your monthly credit bills with a single more affordable loan. The majority of our customers do precisely that.

 

Can I get a loan if I have CCJ's?

  YES you can. Having County Court Judgements does not prevent you from getting a loan. You may also wish to consider clearing some or all of your County Court Judgements with part or all of your loan. The choice is yours. It is not a condition of our loans that you have to clear any County Court Judgements either before or after you take the loan out.

 

Can I fix the interest rate?

  YES you can. Many of our loans offer a five year fixed rate period at the start of the loan term. We will tell you whether you can take a fixed rate on certain plans, then you choose whether it suits your needs. The choice is entirely yours.

 

Can I take a break from repayments?

  YES you can. Many of our loans allow you a 5 month repayment holiday at the start of the loan term. This means that from the day your loan completes, it will be at least 5 months until your first repayment is due. This is particularly popular around Christmas, where consumer spending increases dramatically.

 

What happens if I am unable to make my monthly repayments?

  First and foremost you should contact your lender and notify them of your situation. They would much prefer to know beforehand. If you have Repayment Protection Cover, you should assess your circumstances and check you are covered. These valuable policies usually cover accident, sickness and unemployment. Your lender will explain the terms of your cover to you, as well as doing everything possible to bring your account back on track.

 

What is payday Loans or wage advance cash loan?

  A payday loans (also called a paycheck advance) is a small, short-term loan that is intended to cover a borrower's expenses until his or her next payday. The loans are also sometimes referred to as wage cash advances.

 

How long does payday Loans take to apply and receive my funds?

  Payday Loan is same day loan and it only takes a few minutes to approve an application. However, in some cases it may be necessary for you to provide additional information but even when this happens it still should be taken care of in under 25minutes.

 

Am I eligible for payday loan?

  Yes you are, if 18 or over, in full time employment earning £350 per month or more, you are likely to be eligible. You will need a bank account that accepts direct debits and we are required to prove your identity.

 

I have bad credit history - can I still apply Payday loan?

  Absolutely you can, we are not basing our decision to lend to you over the long term (12months or more) therefore we are only interested in your present circumstances for payday loans.

 

What is the charge for payday Loan?

  The typical charge is charge for credit is 25 pence for every 100 pence borrowed. No setup fee, No other charges!

 

Is my application confidential?

  YES it is. We take pride in our confidentiality. Our partners are members of the Finance Industry Standards Association (FISA) and we are also registered under the Data Protection Act (DPA). We adhere strictly to the confidentiality guidelines set out by FISA, as well as the letter of the law from the Data Protection Register.

 

Can I come back and borrow more in the future?

  YES you can. Assuming the conduct of your loan account is to your lender's satisfaction, you may apply to take a second loan out with them; what we call a Further Advance. Many of our loan plans allow you to apply immediately for a further advance, the others may request that your original loan account be running for three months or more before they will consider your application for more money.

 

 
 
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