Before you Apply

Here you’ll find some of the finer details to consider before you apply for a home credit loan. Please be sure to check that we cover your area before contacting us.

Information for New and Existing Customers
With the rising cost of living, it’s important to carefully consider your options before taking on additional borrowing from Bridge Finance Ltd. We are committed to treating customers fairly and complying fully with Financial Conduct Authority (FCA) regulations to ensure a responsible and high-quality service.

Consider Alternatives Before Borrowing Further
If you’re thinking of borrowing to cover household bills such as gas, electricity, or council tax, it may be worth speaking to your service provider first. Many providers offer payment plans that allow you to spread the cost in manageable instalments, which could be a more affordable solution.

You may also have access to other forms of credit that could be less expensive than a home credit loan from us. Exploring these options might help you make a more cost-effective decision.

If you are currently facing financial difficulties, free and impartial debt advice is available from MoneyHelper at www.moneyhelper.org.uk.

Consider Taking a Break
Sometimes it’s better to save towards a future purchase rather than relying on credit. By avoiding a loan, you’ll save money by not paying interest.

If you’re struggling to manage your finances or are in debt, free debt advice is available and may help ease the pressure of repayments. For further support or information, please contact your agent or our main office.

Before You Apply
Before enquiring about a loan and allowing us to visit your home to complete a full application, please ensure that you:

• Have read and understood all the information provided above.

• Have reviewed any previous loans you’ve had with Bridge Finance to ensure they were handled fairly and properly.

• Are confident that past loans were affordable following a thorough affordability check, and that repayments did not cause financial strain.

• Understand that we consider any physical or mental health vulnerabilities when assessing loan applications.

• Are certain that any new or future borrowing will be affordable and won’t affect your ability to cover essential living costs.

• Are satisfied that taking out a loan is the most suitable and affordable option, having considered our guidance and any available alternatives.

We are committed to lending responsibly and always act in our customers’ best interests. Any loan amount applied for must be affordable, and repayments must be manageable.

As part of every home credit loan application, we will need to see proof of income and assess your regular outgoings. It’s important that you understand these requirements before applying.