Loans from £1,000 up to £250,000
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Frequently asked questions
As long as you live in the UK, are over 18, and are earning a regular wage that is paid into a UK bank account, you are able to apply for a loan. For more information about who can apply, check our applications page.
You can apply 24 hours a day 7 days a week. Many lenders we work with can even deposit money at the weekend. You simply fill in the form, click ‘Submit’, and if you are approved you will be taken straight to the website of the lender/s you have been matched with. You might be asked a few extra questions by them, and will then be asked to sign your loan agreement. Once this is in place, you will receive your loan payment
The APR (annual percentage rate) will be given to you once your loan has been approved, this varies from lender to lender so please check carefully before you take out a loan. Due to the legal requirements of money lending, we have to display the Annual Percentage Rate of your loan.
Multa will not perform a credit check, lenders will complete a soft search when assessing your eligibility for a loan. If you accept a lender’s loan offer, they will perform a hard credit search
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No fees, no obligation flexible loans
Representative 20.29% APR
Representative example: Based on a loan of £20,000 over 120 months at an Annual Interest Rate of 14.10% (variable), you will make 120 payments of £327 per month. The total amount repayable will be £39,240. This includes a lender fee of £995 and a broker fee of £0, which have been added to the loan. The overall cost for comparison is 20.29% APRC representative
Company Disclosure and Policy
A Few Important Notes to Consider
We can all appreciate that occasionally something unexpected happens and you find your circumstances have changed. If you get to a point where you're struggling to make your loan repayments, it's important you contact your loan provider as soon as possible.
By doing so you can discuss all your options available, your lender will want to work with you to find an amicable solution.
If you don't communicate your financial difficulty with your lender, they do reserve the right to pass on your details to third party debt collections agencies, or organisations that will attempt to recover the debt. Please carefully check your own Terms and Conditions on your signed loan agreement for details.
Non Payment Implications
If you fail to repay your loan and do not respond to your lenders efforts to contact you, the implications of this may include adverse details being added to your credit report. This could have a negative impact on any future attempts to secure credit or finance.
Important things to remember:
- Don’t borrow money if you know you will struggle to pay it back
- Don’t ignore the situation, contact your lender as soon as possible
- For help go to moneyadviseservice.org.uk
No Obligation Application
Your initial application will be screened by our lending panel based on the details that you have provided.
If you meet all the criteria for a loan and your credit screening is successful, you will then be presented with available loans for your circumstances. You are under no obligation to accept this loan offer and will not be liable for anything until a loan agreement has been signed.
So if you required a loan of £5000 for example and are only offered £3000, you are in no way obligated to take the loan offered and have every right to change your mind or not proceed.