We've designed our loans alongside our customers and, as a result, we’ve developed a truly fair and flexible loan.

We won't charge you any additional fees. Ever. Not to open your loan, to service it or to close it early. We won’t even charge you if you miss a loan repayment.

We'll always give you an instant decision, and we’ll do it in a way that doesn’t impact your credit score, so that you can get your quote and shop around for the best rate.

We won’t ask you for information that we don't need and with a simple, online application it should only take five minutes to complete. Not only will we give you a decision in two minutes, we’ll also transfer your funds immediately so your money is in your account in under four hours.

Since the 29th November 2018, we only offer the Reward Loan.

Our loans are 25.7% APR Representative.

We won't charge you any additional fees. Ever. Not to open your loan, to service it or to close it early. We won’t even charge you if you miss a loan repayment. The only interest you pay is the loan APR on the amount you borrow. 

Our loans are 25.7% APR Representative.

LiveLend is part of Chetwood Financial Limited, company number 09964966, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, under registration number 740551. Authorisation can be checked on the Financial Services Register at www.fca.org.uk.

Chetwood was set up in March 2016 by financial services experts and technologists. We're focused on improving lives by using technology to create innovative, low cost products.

Find out more about Chetwood.

At LiveLend, we’ll simply offer the best loan we can. Our loans are online personal loans from £1,000 to £12,000. This can be for any purpose, although we don’t provide loans for investments or for the purchase of residential property. We also don't offer loans to businesses.

We provide LiveLend loans through popular comparison websites, such as ClearScore , MoneySupermarket .com and Experian .

To check your eligibility with no impact on your credit score, simply head over to your preferred application partner. There you’ll see all of the loans from across the market that you’re eligible for and that are best suited to your personal needs. You might not see LiveLend in your results, that just means there are other loans better suited to your personal circumstances. 

If you have a complaint we want to hear it, so please get in touch. We’ll review your feedback and come back to you as soon as possible.

If you’re not satisfied with our response to your complaint, you can refer your complaint to the Financial Ombudsman Service (FOS). Please note that the FOS won’t look at your complaint until it has been raised with LiveLend and we’ve been given a reasonable time to respond.

Your personal loan terms and conditions will be provided online, and by email, after you’ve got a quote.

Here is a list of other useful documents:

Privacy Policy 
Terms of use 
Cookies Policy
Complaints Policy

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Our loan APRs (Annual Percentage Rates) start at 10.9% to 39.9%.

Representative Example: 25.7% APR Representative based on a loan of £5,000, repayable over 42 months at an interest of 25.7% pa (fixed). Monthly repayment of £174.65. Total amount payable £7,335.28. Our representative APR applies to loans from £1,000 to £12,000, for terms of 12-60 months.

If you want to request a Data Subject Access Request you can do that through our online form here.

LiveLend is part of Chetwood Financial Limited, company number 09964966, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, under registration number 740551. We’re also registered with the Information Commissioner's Office under registration ZA218401 and we’re a member of CIFAS, the UK's leading fraud prevention service.

We don’t require any documentation from you online.  As part of your soft search we will verify your identity and if we have any further questions or cannot match your information online, one of our expert team will call you directly.

APR stands for the Annual Percentage Rate. This is basically what you'll pay on top of the money you borrow. This cost will already be included within your monthly repayment and your total cost of borrowing. At LiveLend, we don't charge any fees on top of the APR.

As a responsible lender, it's important that we can verify the following details during your application:

• Your name and date of birth
• Your email address
• Your phone number
• Your address history and residential status
• Your employment status
• Your income and expenditure, including essential expenses and financial commitments

We also use a Credit Reference Agency (CRA), along with the information you tell us, to help correctly match your details and make a lending decision. CRAs such as Equifax, TransUnion and Experian, collect information about your which helps lenders verify your identity.

If the personal details they hold about you are not up to date or don't match what you've entered during your loan application, this may be the reason we can't verify your identity right now.

It's important that you make sure the information CRAs hold about you is correct. You can check what information they have by clicking the link below and accessing your credit report.

www.equifax.co.uk
www.transunionstatreport.co.uk
www.experian.co.uk

At LiveLend we only use soft searches, also known as quotation searches, to work out whether you’re approved for our loans. Soft searches are different from credit application searches, which happen when you actually apply for a product. Too many credit application searches in a short space of time can damage your credit score.

A soft search, on the other hand, will let you know whether you’re eligible for the loan before you apply. That means we’re taking the guesswork out of applying for credit and protecting your score. 

You can access LiveLend loans through popular comparison websites, such as ClearScore , MoneySuperMarket.com and Experian ​​​​​​​.

To check your eligibility with no impact on your credit score, simply head over to your preferred application partner. There you’ll see all of the loans from across the market that you’re eligible for and that are best suited to your personal needs.

As LiveLend loans are only available through popular comparison websites, such as ClearScore , MoneySuperMarket.com and Experian , you’ll see us pop up as a potential option to consider following a soft search (also known as a quotation search)  of your credit history. Soft searches are completed by lenders like LiveLend to confirm your eligibility for a product. They’re different from credit application searches (also known as hard searches), which happen when you actually apply for a product. Too many credit application searches in a short space of time can damage your credit score.

Soft searches take the guesswork out of applying for credit and protect your score. 

If you're eligible for the LiveLend Reward Loan, you’ll see us listed in your search results from your preferred financial services comparison provider. 

If you’re eligible, we’ll show you your real rate so you’ll know exactly how much your loan will cost from the outset. The rest of the application will take just another three minutes, and we’ll transfer your funds immediately so your money is in your account in under four hours. 

Our loans are 25.7% APR Representative.

We know that you don’t want to spend all day filling in forms. To get your quote we will only ask for:

• Your personal details, (name, address, date of birth, email address and phone number)
• Your address history and residential status
• Your employment status
• Your income and expenditure, including essential expenses and financial commitments

You can get your quote by using our loan calculator and clicking 'Get my quote'. 

Your main source of income is usually your salary. You can tell us what this is, either monthly or annually and the amount, either before or after tax. Most people select monthly after tax as this is the actual amount you get paid every month.

You can also include income from additional jobs, income from savings or investments, any permanent benefits that you receive, and any regular bonuses.

However, you should only include regular income and you should be honest about how much you receive, as we will look to confirm this through our soft search.

For a small number of customers we'll need a little more information. As a responsible lender, we want to make sure that our loan is good for you and make sure you can afford to repay the loan. Our UK support team will contact you directly to discuss your loan application and any additional information that they might need.

We have systems that protect our customers and ourselves against fraud and other crime. We will share your personal information from your application with fraud prevention agencies. If you provide false or inaccurate information and fraud is identified, details of this fraud will be passed to these agencies. Law enforcement agencies may access and use this information.

We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:

• Checking details on applications for credit and credit related or other facilities
• Managing credit and credit related accounts or facilities
• Recovering debt
• Checking details of job applicants and employees

At LiveLend we use the following fraud prevention agencies:

Synectics
CIFAS

There are three Credit Reference Agencies (CRAs) in the UK - Equifax, Experian and TransUnion. All three are dedicated to collecting information on your financial behaviour and how it has impacted your score.

CRAs must share your credit report with you if you request it. It’s good practice to look at all of your credit scores on a regular basis so you can keep an eye on any changes.

They all have different scores but this is completely normal. You can get to know your credit score better with free credit reports at ClearScore, Intuit Credit Karma and Experian.

We understand that our decision may be a disappointment, so let us explain how we’ve reached it. As a responsible lender, we always review all the information available to us. That way, we can make a fair decision.

The only information we use is what you told us in your application, information we might already know about you and information provided by Credit Reference Agencies.

When reviewing information we promise to only use soft searches, so there’s no impact on your credit rating.

We consider several factors including:

• Your employment status. For example, if you're unemployed or you've only been in your job for a short time
• Your residential status. For example, if you've lived at your address for only a short time
• Your payment history for other loans or credit card repayments
• Your current level of borrowing and existing commitments
• Any information we already hold about you

At LiveLend we only use soft searches, also known as quotation searches, to work out whether you’re approved for our loans.

Soft searches are different from credit application searches, which happen when you actually apply for a product. Too many credit application searches in a short space of time can damage your credit score.

A soft search, on the other hand, will let you know whether you’re eligible for the loan before you apply. That means we’re taking the guesswork out of applying for credit and protecting your score. You can get your quote by using our loan calculator and clicking 'Get my quote'. 

If you decide to take a LiveLend loan we’ll conduct a full search and update the Credit Reference Agencies that you've taken a loan with us.

Yes, but we recommend that you wait at least six months before reapplying.

Yes, to view your loan information, simply log into your account and select Overview. Your payments are shown at the bottom of the page. If you want to view your annual loan statement you can do this in the Messages section of the site. You can log in here.

Viewing your loan information couldn’t be easier. Simply log in to your account and select Overview. Your current balance is shown at the top of the page.

If you're thinking about closing your loan early, it’s important that you get a quote first so that we can calculate the total settlement amount required to fully close your loan. Find out more about closing your loan early .

Yes, we don't limit the number of rewards you can get at each review period. So, if your credit score increases by 100 points, we'll reduce your loan rate by 8%. You can continue to earn rewards every three months, as long as you're up to date with repayments, if your score has increased by 25 points or more.

Your loan rate can reduce all the way down to 9.9% so if your loan rate is 9.9%, you won’t be able to earn a reward.

Our loan APRs (Annual Percentage Rates) start at 10.9% to 39.9%.

Representative Example: 25.7% APR Representative based on a loan of £5,000, repayable over 42 months at an interest of 25.7% pa (fixed). Monthly repayment of £174.65. Total amount payable £7,335.28. Our representative APR applies to loans from £1,000 to £12,000, for terms of 12-60 months.

No, don't worry, this check won't impact your credit score and won't be seen by other lenders.

You can change your personal details online. Simply log in, click on Account and update your details. 

All of your loan documents are online for you to access whenever you need them. Viewing your loan information couldn’t be easier. Simply log in to your account, select Messages at the top of the page, and you'll be able to view all your documents. 

We review your eligibility for a reward based on a credit score provided by Equifax. This score is called a ‘management score’. It’s different from the score you’ll see on your credit reports which show you how likely you are to get accepted for credit. It’s shared with us from Equifax so that we can measure your score movement over time. We compare this score against a score taken directly from Equifax on the day that you apply for our loan. 

We review your eligibility for a reward every three months and for every 25 points that your credit score increases, we'll automatically reduce your loan rate by 2%, as long as you're up to date with your repayments.

Every three months, we'll do a reward review to see if you've qualified for a reward. If you have qualified for a reward, we'll put your rate down straight away. We'll do this automatically, so there's no need for you to do anything. We'll apply your reduced loan rate to your next loan repayment. This means your monthly repayment will be less. We'll send you an email to let you know how much your loan rate is reducing by.

If you’re thinking about closing your loan early, it’s important that you get an early settlement quote first. You can get a quote by: 

• Logging into your account
• Click Manage
• Scroll down to the Close your loan section
• Click Calculate my settlement

You’ll be given a quote which includes your latest balance, plus any daily interest due to be applied. There are no fees to close your loan early, and closing your loan early will reduce the amount of interest you pay.

Your early settlement quote will be valid for 30 days. 

If you get a quote to settle your loan, and your next repayment is due within the next three working days, we won’t be able to cancel your Direct Debit in time. So, if you were to settle your loan you’d effectively overpay your account. Don’t worry - we’ll refund any overpayments within 10 days. If you’d prefer this not to happen, we recommend waiting until 10 days after your next repayment due date to allow for this payment to clear before requesting your early settlement quote. 

If you’re struggling to make your next repayment, or have already missed a repayment, don’t panic. At LiveLend, we won’t charge you for missing a repayment. However, missing a repayment will result in you paying additional interest on your loan, and could have a negative impact on your credit score.

We can work with you to make sure this doesn’t happen so if you feel you’d benefit from additional support, we’ll give you a call to understand your situation and help you find a solution that’s right for you. Get in touch with us and we’ll help you get things back on track.

We recommend you pick a date close to the day you get paid as most of our customers find this easier to manage. You won’t be able to change your repayment date within the first 12 months of your loan.

When you apply for your loan, you can choose the date you’d like your payments to be taken from your account. We recommend you pick a date close to the day you get paid as most of our customers find this easier to manage. Depending what date you pick, your loan repayments may start the following month.

If you’ve taken a loan and forgotten what date you selected, you can log in and click Overview. Your repayment date and history will be available at the bottom of the page under Your Payments. You can also find these details in your loan documents in Messages.

To set your Direct Debit back up, please follow the steps below:

• Log in to your LiveLend account
• Click the set up a Direct Debit button on the Overview page

It’s important that you have a Direct Debit set up to help you make your monthly repayments on time.

When you apply for your loan, you can choose the date you'd like your payments to be taken from your account. We recommend you pick a date close to the day you get paid as most of our customers find this easier to manage. Depending what date you pick, your loan might start the following month.

If you’re struggling to make your next repayment, or have already missed a repayment, don’t panic. It's important that you get in touch with us straight away so that we can help. 

We'll work with you to understand your situation and offer solutions such as a temporary reduced payment plan.

If you’ve missed a payment by accident, please log in to your account, click on Manage and make a payment for your repayment amount by debit card.

If you’re struggling to make your next repayment, or have already missed a repayment, don’t panic. Get in touch with us so that we can help you.

At LiveLend we won't charge you a fee. Ever. Not even if you miss a loan repayment. However, missing a repayment will result in you paying additional interest on your loan, and will have a negative impact on your credit score.

To view your loan information, simply log in to your account and select Overview. Your 'Remaining term' is shown as well as your 'Loan to be settled' date.

Your repayment amount and date are shown at the bottom of the page under the Payments section.