Representative APR from 14.9% - 162.28%
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How do you make money from providing this service?

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 the best 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, Moneypod, 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.

Can I read about your Responsible Lending Policy and Renewals Policy?

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

Am I able to apply for a loan?

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.

How can I apply for a loan?

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

What is the APR?

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.

How do I make repayments?

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.

Will you check my credit score?

Yes, as it is important for us to know your credit history in order to decide which loan, if any, is suitable for you.

Can I apply if I have a poor credit history?

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.

How quickly will I receive my payment?

Times depend on the lender you have been matched to and the loan product you are require. Many loans are decided in as little as 30 minutes. Your bank may not support Faster Payments, in this case funds will be sent to your account the same day as approval.

Can I cancel my loan?

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.

What is Auto Decisioning?

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.

How will my money be paid?

All funds are placed straight into your bank account.

Will I be charged for your service?

MoneyPod 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 always 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.

How do I opt out of communications from you?

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

Can I cancel my loan?

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.

What happens if I’m struggling to pay?


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, including: