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Frequently asked questions

Got a question? Don't worry, we're here to help

To run this service, we receive commissions from the provider you are referred to. We use our loan matching system to make sure that you are matched with a lender to suit your needs and circumstances. This is based on features of the application details, applicant preferences and the lenders product. It DOES NOT include the commission we would receive from the Lender.

No one from TWIBLI Ltd, Multa, or any financial partner relations; including lenders; will ever contact you by any means and request you to send money to them or buy products from them in advance of receiving your loan funds.. If you wish to understand how to better deal with cold callers, look at our fraud protection guidance.

Yes. We make sure that all of our policies are available for viewing as part of our responsibility as a credit broker.

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.

Usually, a direct debit will be set up, which means that the payments will be taken straight from your bank account on an agreed date every month.

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.

Yes. Some of our lenders are happy to lend to those with a poor history, and some even specialise in it. Make sure you provide us with as many details as possible when making your application.

Times depend on the lender you have been matched to and the loan product you are require. Your bank may not support Faster Payments, in most cases funds will be sent to your account the same day as approval, although arrival times may vary

If you choose to cancel your loan, you should refer to the loan agreement sent to you by your lender. It is probable that cooling off periods and lender cancellation policies may vary.

Auto Decisioning allows lenders to make a decision on your loan application without the need for human interaction, for more information please contact your lender or see their privacy policy.

All funds are placed straight into your bank account.

Multa do not charge a fee for our service. If you can’t find a loan to suit you, we may refer you to another broker, who may in turn charge a fee for accessing an extended panel of lenders. You have the right to refuse this service by selecting a no fee option. The brokers we work with all offer a free trial period, and offer full refunds if the service isn’t as effective as you had hoped.

If you do decide to pay the fee, all of our partners will take your payment details via their website using SSL-secured technologies. No one will ever contact you and ask you to purchase products in advance to prove your ability to pay. If anyone does, then you may be a victim of fraud. Learn about how to protect yourself from our fraud protection guidance.

There will be an option on your application form to ignore offers that require a fee – tick this if you do not want these results to be included.

If you are getting emails and/or text messages from us, you will have ticked the box giving us permission to send them when you signed up.

If you wish these to stop, simply text “STOP” in reply to a message we have sent to you, or go to the bottom of our homepage and click on “SMS Opt Out”. This will stop your messages within a 48hr period.

If you have any questions that haven’t been answered here please visit our Support Centre and they will be happy to help. If you need to write to us, the address is : Level 3 207 Regent Street, London, United Kingdom, W1B 3HH

If you choose to cancel your loan, you should refer to the loan agreement sent to you by your lender. It is probable that cooling off periods and lender cancellation policies may vary.

CALL YOUR LENDER IMMEDIATELY.

It is in their interests to help you pay back your loan and the sooner you call them, the sooner they can help. You will be surprised by how sympathetic they are to your situation, so never be nervous about picking up the phone to let them know of your situation.

If you have concerns about money management, there are various organisations that will help

Step Change
www.stepchange.org
0800 138 1111
Money Helper
www.moneyhelper.org.uk

National Debtline
www.nationaldebtline.org
0800 138 1111
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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