Secured loans representative example: If you borrow £10,000 over 10 years at an Annual Interest Rate of 6.7% (variable) you would make 120 payments of £134.56 per month. The total amount repayable will be £16,147.20 (This includes a lender fee of £495 and a broker fee of £1,250 which have been added to the loan.) The overall cost for comparison is 10.9% APRC representative.
Apple Loans is a credit broker not a lender.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.
Apple Loans is a credit broker and not a lender. Nothing on this website constitutes financial advice. If you need financial advice you should speak to a qualified financial advisor. This website provides information only, and the choice of product is for you alone to choose. As a broker we process the information you provide us and we may pass this onto our trusted third party lenders and brokers. All credit is subject to you being a UK resident, aged 18 or over and subject to your personal circumstances. All lenders operate responsible lending policies and as such credit is subject to status and affordability. Our service is free to use, and we as a broker are paid set marketing fees each month from the third party brokers / lenders we work for to carry out financial marketing on their behalf.
Rates from 4.5% APRC to 65.2% APRC are available - the highest rate is for customers with severe credit problems. Loans available from 1-25 years TYPICAL 10.9% APRC variable.
Calls may be recorded for training purposes. The third party lender or broker may charge a fee of 0% up to 15% on your loan.
In assessing a secured loan enquiry, enquiries will be made about you including searching records held by Credit Reference Agencies and by checking details with Fraud Prevention Agencies. If you give us false or inaccurate information and we suspect fraud we will record this. The Credit Reference and Fraud Prevention Agencies will keep details of any searches.
Information held about you and by the Credit Reference Agencies may already be linked to records relating to one or more of your financial partners. For the purpose of this application you may be treated as financially linked and your application will be assessed with reference to any 'associated' records.
If you are a joint applicant or you have told us of some other financial association with another person, you must be sure that you are entitled to disclose information about your joint applicant or anyone referred to by you. An association between joint applicants and between you and anyone else you tell us is your financial partner will be created at Credit References Agencies and shall remain until a successful disassociation has been registered with the Credit Reference Agency.
Your consent is required for us to disclose details of the application and how you conduct your account (including any default) to Credit Reference & Fraud Prevention Agencies. This information may be used to help us and other organisations:
(a) assess the financial risks of dealing with you and other
members of your household
(b) to help make decisions on motor, household, credit, life
and other insurance proposals and insurance claims
(c) to administer agreements & insurance policies with you
(d) to help prevent or detect fraud, prevent money laundering
or other claims, recover debts and trace debtors and
(e) for statistical analysis about credit, insurance and fraud.
If you request home insurance we may pass information about
you to any organisation approved by us to enable them to arrange
and administer the requested plan and for the purposes of underwriting,
claims handling and fraud prevention (which could include passing
details to other insurers).
Unsolicited Email Messages
Policy against advertising our website using unsolicited email messages
We require that all emails promoting appleloans.co.uk or its products are sent only to clients who have agreed to receive such messages. We prohibit any advertising of our brand and website using unsolicited email messages. Not complying with this policy will cause partnership termination and/or affiliate account termination.
If you feel you’ve been sent unsolicited emails promoting our brand or website and would like to register a complaint, please click here to contact our customer service department. We will immediately investigate all allegations made related to unsolicited messages.
Apple Loans is committed to excellence in customer service and to treating its customers fairly. It recognises that from time to time things can go wrong, which means you may need to make a complaint. All complaints are investigated fairly and thoroughly, so that we can resolve your issue, and, where we have made a mistake, for us to learn from your complaint.
How do I complain?
In the event that you ever have to complain to us, you should contact:
Apple Loans
St Johns Street
Tunbridge Wells
Kent
TN4 9PH
No. We are happy to accept complaints by telephone on the above number. Please make it clear that you are registering a complaint and make a note of the name of the person you spoke to and the date on which you rang.
What happens next?
a) We will acknowledge your complaint promptly and in any event within 5 working days of your complaint being received. If you do not hear from us in that time, please check first to see that we have actually received your complaint.
b) We will investigate your complaint fairly, impartially and thoroughly.
c) If we are not able to provide you with a full response to your complaint within four weeks, we will send you a letter explaining how we are progressing with our investigation.
d) After we have investigated your complaint, we will write to you explaining the outcome of the investigation.
How long with the investigation take?
We will investigate your complaint as quickly as possible. We will aim to complete our investigation within eight weeks of receiving the complaint and you will always receive our final response in this timeframe. If we cannot come to a conclusion in that time, we will tell you why and refer you to the Financial Ombudsman Service.
What happens at the end of the investigation?
We will send you a final letter, which will either uphold your complaint and let you know how we plan to resolve it, or reject it.
What if I am not satisfied with your decision?
If, for any reason, you are not happy with our decision, or if we have been unable to reach a conclusion to our investigations, then you will be entitled to refer your complaint to the Financial Ombudsman Service. Their contact details are as follows:
Post: Financial Ombudsman Service
Exchange Tower
London
E14 9SR
Please note that we are not covered by the Financial Services Compensation Scheme, which means you are not entitled to compensation from the scheme if we cannot meet our obligations.
Your loan request for £ is now in our system and will be processed within the next few minutes...
? To provide your personalised loan quote we need to speak to you on the phone briefly to prevent identity fraud. We will call you shortly to ask a few remaining questions, please be ready to accept our call. If you change your mind let our agent know so we can cancel your application.
?Our advice is to not apply elsewhere until you have spoken to us, this ensures you don't accumulate credit searches elsewhere which could harm your credit score.
Thank You for choosing apple loans™ We look forward to arranging your finance
The products and services available from our website are only available to residents of the UK aged 18 and over, and are subject to status. By using this website you are agreeing to our Legal and Privacy statement.
Who are we?
Apple Loans Ltd
Registered in England 08054059
Registered Office: St Johns Rd, Tunbridge Wells, Kent, TN4 9PH
Is a licensed credit broker under the Consumer Credit Act 1974. License number 650887
Your Personal Information
We will treat all your submitted information as private and confidential, except where permitted by law or where the disclosure is made at your request or with your consent in relation to arranging your loan or mortgage.
We will store the information about you on a secure server and in other records. We will only use this information for the purposes registered under the Data Protection Act 1998, this may include sharing your information with other selected companies.
Future Marketing
Unless you state otherwise, we may refer your application by letter, e-mail or fax to offer other products which we feel may be of interest to you. If you do not wish to be contacted by any other companies we select for you, please write to the above address, or e-mail your name and address (subject: remove data) to unsubscribe@appleloans.co.uk
Information Collection and Use
We may request information from you on our application form. A user must provide contact information (such as name, email address, home address etc) and in some cases, financial information (such as loan amounts, outstanding credit balances etc). Your information is used in consideration of your loan or mortgage application. Your application will be passed to Central Loans Ltd or any other partner company for processing and underwriting.
Credit Searches
We or any company we refer your application to, may make searches about you with credit reference agencies who will supply credit information, as well as information from the Electoral Register. The agencies will record details of the search whether or not this application proceeds.
However, we will only perform a 'soft search' which will not affect your credit rating. If you decide to proceed with one of the loan options offered, then an 'full application search' will be performed. This will only be done on behalf of the lender once we have received your signed application form from you. Application searches may affect your credit score as they are used by lenders when deciding whether to lend you money.
We may use credit-scoring methods to assess your application and to verify your identity. Other companies may use the record of searches and any other information provided to the agencies if credit decisions are made about you, or other members of your household or finance associates. This information may also be used for debt tracing and the prevention of money laundering as well as the management of your account.
By stating a financial association with another party, you are also declaring that:
You are entitled to disclose information about your joint applicant and/or anyone else referred by you;
You authorise us to search, link and/or record information at credit reference agencies about you and/or anyone else referred by you.
Information held about you by the credit reference agencies may already be linked to records relating to one or more of your partners. For the purposes of this application you may be treated as financially linked.
Complaints
We have formal complaints procedures to ensure that your complaint is handled quickly, fairly and efficiently; a leaflet with details of this process is available on request.
On receipt of your complaint (whether received by telephone, letter, e-mail or fax) the matters raised will be investigated by an independent Complaint Handler within the company.
If we are unable to resolve your complaint to your satisfaction you may have the right to refer your complaint to the Financial Ombudsman Service. Our staff will assist you with this.
Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London E14 9SR
