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Checking your eligibility couldn't be simpler...

  • Credit score protected (no negative impact)
  • Personalised quote (based on your actual circumstances)
  • No obligation (take time to consider your options)
  • Same day funds
  • Over 20 leading lenders
  • No impact on credit score
  • 9/10 customers approved for a loan
  • 1 Your Loan
  • 2 Income
  • 3 About You
  • 4 Address
Loan
Income
About
Address

Money Expert has partnered with Freedom Finance, a leading UK lending platform, to provide you with a smart and simple way to search for a loan tailored to your needs. To check your eligibility with no impact on your credit score, simply complete the short application form below.

Your Loan Edit

We need to ask you some questions so that
we can find a loan that’s right for you. We need to ask you some questions to see
if you're eligible for a loan

You need to select an option from the list above

It is really important to choose the correct loan purpose, this can affect your chance of getting approved.

Some lenders prefer to know what the loan is for before approving things.

Lenders prefer to know what the loan is for before approving things.

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£

You can apply for an amount between
{{loanMin | currency : '£' : 0}} and {{loanMax | currency : '£' : 0}}.

You need to select how much would you like to borrow

You can apply for up to {{loanMax | currency : '£' : 0}}

The smallest amount we offer currently is {{loanMin | currency : '£' : 0}}

This needs to be a multiple of £100

This is total amount of the loan. The APR is dependent on the amount borrowed. Don't worry, you can change this amount once you get to the results page.

This needs to be a multiple of £100.

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Please tell us the amount of time you want to pay back your loan over

This is how long you want to pay back your loan. For approval online, the minimum loan term is 1 year. You can make changes to the loan term after you see your results.

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Your Income ok Edit

What is your employment status?

Your employment status is important for lenders to know prior to approving an online loan application.

If you have multiple jobs, select what you consider to be your main source of income.

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Please start typing your employment industry and select the most relevant option.

If you can't find a match, select the most relevant option available.

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Please supply your employer or company name

Employer or company name must have at least 2 characters

Employer or company name must be less than 40 characters

Don’t worry we will never contact your employer. We use this to help verify the source of your income.

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How long have you been in your current position?

Years or Months must be at least 1

£

How much do you earn per year?

Please check your annual income

Please Enter your annual income to the nearest pound

We need your gross salary – your annual
income before tax.

We need your annual income.

This is how much you earn each year before any deductions. Usually, it will be the amount stated on your contract. This is how much you earn each year before any tax or other deductions. Usually, it will be the amount stated on your contract. This is the total amount of income you have received into your bank account over the last 12 months.

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As you’ve selected unemployed, we need you to enter one or more types of income to proceed.

As you’ve selected retired, we need you to enter one or more types of income to proceed.

Do you have any other income?

Please add any other income

£

Monthly income must be less than 1,000,000,000

How much is your {{additionalMonthlyIncomeCategory1.additionalIncomeName}} additional monthly income?

Please enter your {{additionalMonthlyIncomeCategory1.additionalIncomeName}} additional monthly income to the nearest pound

Monthly income must be at least 1

Select other income

£

Monthly income must be less than 1,000,000,000

How much is your {{additionalMonthlyIncomeCategory1.additionalIncomeName}} additional monthly income?

Please enter your {{additionalMonthlyIncomeCategory1.additionalIncomeName}} additional monthly income to the nearest pound

Monthly income must be at least 1

Select other income

£

Monthly income must be less than 1,000,000,000

How much is your {{additionalMonthlyIncomeCategory1.additionalIncomeName}} additional monthly income?

Please enter your {{additionalMonthlyIncomeCategory1.additionalIncomeName}} additional monthly income to the nearest pound

Monthly income must be at least 1

Select other income

£

Monthly income must be less than 1,000,000,000

How much is your {{additionalMonthlyIncomeCategory1.additionalIncomeName}} additional monthly income?

Please enter your {{additionalMonthlyIncomeCategory1.additionalIncomeName}} additional monthly income to the nearest pound

Monthly income must be at least 1

Select other income

£

Monthly income must be less than 1,000,000,000

How much is your {{additionalMonthlyIncomeCategory1.additionalIncomeName}} additional monthly income?

Please enter your {{additionalMonthlyIncomeCategory1.additionalIncomeName}} additional monthly income to the nearest pound

Monthly income must be at least 1

Select other income

£

Monthly income must be less than 1,000,000,000

How much is your {{additionalMonthlyIncomeCategory1.additionalIncomeName}} additional monthly income?

Please enter your {{additionalMonthlyIncomeCategory1.additionalIncomeName}} additional monthly income to the nearest pound

Monthly income must be at least 1

Select other income

This is any additional income separate from your basic salary you will receive over the next 12 months. For example – Bonus, Overtime, Child benefit, Tax credits, Pensions, Rent, Dividends, Secondary job. Any additional income entered may increase the chances of being accepted and receiving the very best offer.

We need to know if you will receive any income over the next 12 months. For example – Job Seeker’s Allowance, Child Benefit, Tax Credits, Rent, Dividends or Money from Family. Any additional income entered may increase the chances of being accepted and receiving the very best offer.

We need to know if you will receive any income over the next 12 months. For example – Pension(s), Benefits, Tax Credits, Rent, Dividends or Money from Family. Any additional income entered may increase the chances of being accepted and receiving the very best offer.

Tell us about any other income (separate from your basic salary) you expect to receive over the next 12 months. For example: bonus, child benefit, tax credits, pensions, rent, dividends or a second job. This may increase your chances of being accepted.

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How long have you been with your bank?

Years or Months must be at least 1

About You ok Edit

You need to select an option from the list above

Enter your first name. Please don’t use any special characters or numbers.

We just need your first name. Please don’t enter an abbreviation or nickname.

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Enter your last name. Please don’t use any special characters or numbers.

Please check your spelling carefully. We use this to look up important information about your credit history.

Fill in with the format DD/MM/YYYY eg. 01/01/2001

Please check the day value

Please check the month value

Please check the year value

You need to select an option from the list above

Some lenders take this into account when looking at affordability.

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You need to enter the child's age

Child's age must be under 18

Child's age must be number

You need to enter the child's age

Child's age must be under 18

Child's age must be number

You need to enter the child's age

Child's age must be under 18

Child's age must be number

You need to enter the child's age

Child's age must be under 18

Child's age must be number

You need to enter the child's age

Child's age must be under 18

Child's age must be number

You need to enter the child's age

Child's age must be under 18

Child's age must be number

You need to enter the child's age

Child's age must be under 18

Child's age must be number

You need to enter the child's age

Child's age must be under 18

Child's age must be number

You need to enter the child's age

Child's age must be under 18

Child's age must be number

You need to enter the child's age

Child's age must be under 18

Child's age must be number

Your monthly disposable money is lower when you have financial dependents so we need to take this into account.

Your monthly disposable income is lower when you have financial dependents so we need to be aware of this.

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Please enter a valid email address in the format joebloggs@domain.com

We ask for your email address so we can contact you about your results if we need to. Lenders will also need your email if you decide to proceed with an offer.

Please check your spelling carefully. This is how we'll send you the loan documents if you're accepted.

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It’s important to use a valid phone number. We and our lenders will use these details should you proceed to the next steps. It's important to use a valid phone number. We will use this to get in touch if there are any issues with your loan.

Please enter a valid UK mobile number

We’ll contact you if we require any further information about your application. Lenders may also need to contact you if you proceed with an offer.

We’ll use this number if we require any further information to help with your application.

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Please enter a valid UK landline number if you have one

Address

You need to select an option from the list above

If you are a homeowner, there could be more options for you in regards to what type of loan you can get.

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You need to select an option from the list above

£

Please tell us how much you pay in rent or mortgage repayments

Please tell us how much you pay in rent or mortgage repayments

Please tell us how much you pay in rent or mortgage repayments

Please make sure you only enter whole pounds

This is the total cost of the rent or mortgage, not how much you personally pay towards the rent or mortgage. We need to know this so that we can get a better idea of your outgoings each month.

If more than one person contributes, please tell us just your share.

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Start typing your address or enter it manually below.

We can't find your address. Please try again or enter it manually below.

Enter address manually

Please check your building number.

Please check your street name.

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{{addressHouseNumberPACA}} {{addressStreetPACA}}
{{addressLocalityPACA}}
{{addressPostTownPACA}}
{{addressCountyPACA | uppercase}}
{{addressPostcodePACA | uppercase}}

We ask for your address so we can look up your credit report. This lets us tailor your results to your personal circumstances.

We ask for your address so we can look up important information about your credit history.

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You need to select an option from the list above

If you've moved in the last three years, we may need your previous address to find your credit file. This way we can ensure the results are unique to you.

If you've moved in the last three years, we will need your previous address to find your credit file and properly assess your application.

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You need to select an option from the list above

The address entered appears to be the same as your previous address, please correct or remove this address

Start typing your address or enter it manually below.

The address entered appears to be the same as your previous address, please correct or remove this address

We can't find your address. Please try again or enter it manually below.

Enter address manually

Please check your building number.

Please check your street name.

{{addressFlatPAPA1}} {{addressHouseNamePAPA1}}
{{addressHouseNumberPAPA1}} {{addressStreetPAPA1}}
{{addressLocalityPAPA1}}
{{addressPostTownPAPA1}}
{{addressCountyPAPA1 | uppercase}}
{{addressPostcodePAPA1 | uppercase}}

We need your current address so we can match this to your credit file, and find your credit information. This ensures the results shown are unique to you.

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You need to select an option from the list above

The address entered appears to be the same as your previous address, please correct or remove this address

Start typing your address or enter it manually below.

The address entered appears to be the same as your previous address, please correct or remove this address

We can't find your address. Please try again or enter it manually below.

Enter address manually

Please check your building number.

Please check your street name.

{{addressFlatPAPA2}} {{addressHouseNamePAPA2}}
{{addressHouseNumberPAPA2}} {{addressStreetPAPA2}}
{{addressLocalityPAPA2}}
{{addressPostTownPAPA2}}
{{addressCountyPAPA2 | uppercase}}
{{addressPostcodePAPA2 | uppercase}}

We need your current address so we can match this to your credit file, and find your credit information. This ensures the results shown are unique to you.

Learn more

You need to select an option from the list above

Marketing Preferences

We’d love to keep in touch with offers and the latest information about financial services products offered by Freedom Finance.

You can ask us to stop at any time.

We’d love to keep in touch with offers and the latest information about financial services products offered by Freedom Finance, Asda Financial Services, Asda Stores Limited which we think may be of interest to you.

You can ask us to stop at any time.

We’d love to get in touch with you about new products and special offers, including our award-winning insurance products. We won’t share your data with other companies for marketing purposes and you can opt out at any time.

We may still contact you with important service messages and information regarding your application. You can find out about your privacy rights and choices and how we use your information in our Privacy Policy.

We may still contact you with important service messages and information regarding your loan application.

You need to tick this box to continue

Shop Direct Finance Company Limited act as a credit broker for this product. Freedom Finance are also a broker, and not a lender.

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Last updated July 2019

WHO WE ARE

Freedom Finance is a trading style of Freedom Finance Ltd. We are authorised and regulated by the Financial Conduct Authority (FRN: 662079).

Our registered office is Freedom Finance Ltd, Atlantic House, Atlas Business Park, Simonsway, Manchester, M22 5PR. Registered in England: 06297533. Our Data Protection Register number is Z120757X.

As the controller of your data, Freedom Finance complies with Data Protection laws in the United Kingdom and the EU General Data Protection Regulation (GDPR). This Privacy Policy details how we process your personal data.

WHAT INFORMATION DO WE COLLECT?

Personal data collected, used, stored and transferred by us may include:

  • Identity Data including forenames, last name, maiden name, date of birth, gender, marital status or similar identifier
  • Contact Data including home address, email address and telephone numbers
  • Financial Data including banks statements, payment card details, savings, debts such as loans and credit cards, income & expenditure, employer & pension benefits, and other assets
  • Technical Data including internet protocol (IP) address, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform and other technology on the devices used to access the Freedom Finance Ltd website
  • Profile and Usage Data including feedback and survey responses, and how you use our website, products and services
  • Marketing and Communications Data including your preferences in receiving marketing from us and our business partners and your communication preferences
  • Special Category Data such as medical or health conditions may only be collected with your explicit consent.

HOW DO WE COLLECT YOUR PERSONAL DATA?

Personal data is collected by us using the following methods:

Direct contact with our staff by phone, email, webchat, post or otherwise for example; for the purpose of applying for & processing loans, confirming identity, handling complaints etc.

Automated technologies or interactions with our website, by using the web enquiry form or the find a loan function for the purpose of; processing identity, loan application etc.

Third parties or publicly available sources such as credit reference agencies, Lenders, couriers, third – party & partner websites

OUR LEGAL BASIS FOR PROCESSING YOUR DATA

Our legal basis for processing your data in relation to certain activities is:

  1. CONSENT: To initially engage with you to discuss your requirements including to confirm in which form we may communicate with you and re-engage, for example, when an existing product nears expiry
  2. CONTRACT: To process and deliver your application for a loan, to manage our relationship with you & improve our customer service such as customer reviews / surveys
  3. LEGAL OBLIGATION: To respond to case enquiries & defend against complaints
  4. LEGITITMATE INTEREST: To comply with our legal obligations, administer and protect our business and our website (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data), to deliver relevant website content and advertisements to you and measure or understand the effectiveness of the advertising we serve to you, to use data analytics to improve our website, products/services, marketing, customer relationships and experiences

WHEN & WHO DO WE SHARE YOUR PERSONAL DATA WITH?

Within the Freedom Finance Group - For accounting, statistical and analytical purposes.

With your consent your data may be shared in order to promote other financial services offered with in Freedom Finance Group.

Freedom Finance Group consists of Freedom Finance & Freedom 365 Mortgage Solutions. Freedom Mortgages and Mortgage Advice Bureau are trading names of Freedom 365 Mortgage Solutions Limited, who are Appointed Representatives of Mortgage Advice Bureau Limited.

Selected third parties to assist in your application - Third parties may be Lenders (for example, to source and submit applications), Specialist brokers (if we are unable to service your request), Solicitors & Surveyors (for example, to check the progress of your application with whom you are interacting).

Licenced Credit Agencies – For the purposes of confirming your identity for fraud prevention; to perform a credit assessment & assess your eligibility as part of an application.

External suppliers - We may also share information with external supplier’s specialist IT system providers to facilitate the sourcing of products, to provide continuing advice, to inform you about relevant products and services, and to request feedback on customer service standards. It may also be necessary to share your personal information with non-affiliated companies who perform support services on our behalf including those that provide professional, legal or accounting advice to Freedom Finance Ltd.

From time to time we will pass your details to HD Decisions – an Experian business, to check your eligibility and to match you against loan products. This information will be used to let you know your chance of successfully obtaining a loan. For further information about how your details will be used please see the rest of our Privacy Policy and HD’s own terms and conditions https://termsandconditions.hdd2.co.uk/freedomfinance.

Regulators - Sharing of information may be necessary with the Regulators to fulfil our legal obligations as a regulated profession, for example with the Financial Conduct Authority. Sharing of information to verify your identity and comply with Anti Money Laundering legislation, and otherwise co-operate with law enforcement, legal proceedings or regulatory authorities.

Others - Third parties to whom we may choose to sell, transfer, or merge parts of our business or our assets. Alternatively, we may seek to acquire other businesses or merge with them. If a change happens to our business, then the new owners may use your personal data in the same way as set out in this Privacy Notice.

Your data will be treated confidentially and these companies are required to ensure appropriate security measures are in place and maintain the confidentiality of your personal data, and to use your personal data only in the course of providing such services and in accordance with Freedom Finance Ltd instructions.

YOUR LEGAL RIGHTS REGARDING YOUR PERSONAL DATA

You have the right to:

  • Request access to your personal data. This enables you to receive a copy of the personal data we hold about you and to check that we are lawfully processing it. You have the right to request copies of all records we hold about you.
  • Request correction of the personal data. This enables you to have any incomplete or inaccurate data corrected, though we may need to verify the accuracy of the new data you provide to us.
  • Request erasure of your personal data. This enables you to ask us to delete personal data where there is no reason for us continuing to process it or where you have successfully objected to the processing (see below), where we may have processed your information unlawfully or where we are required to erase your personal data to comply with local law. Please note that we may not always be able to delete the data for specific legal reasons, if applicable we will notify you, at the time of your request.
  • Object to processing of your personal data where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground as you feel it impacts on your fundamental rights and freedoms. You also have the right to object where we are processing your personal data for direct marketing purposes. In some cases, we may demonstrate that we have compelling legitimate grounds to process your information which overrides your rights and freedoms.
  • Request restriction of processing of your personal data. This enables you to ask us to suspend the processing of your personal data in the following scenarios: (a) if you want us to establish the data's accuracy; (b) where our use of the data is unlawful but you do not want us to erase it; (c) where you need us to hold the data even if we no longer require it as you need it to establish, exercise or defend legal claims; or (d) you have objected to our use of your data but we need to verify whether we have overriding legitimate grounds to use it.
  • Request the transfer of your personal data to you or to a third party. We will provide to you, or a third party you have chosen, your personal data in a structured, commonly used, machine-readable format. Note that this right only applies to automated information which you initially provided consent for us to use or where we used the information to perform a contract with you.
  • Withdraw consent at any time where we are relying on consent to process your personal data. However, this will not affect the lawfulness of any processing carried out before you withdraw your consent. If you withdraw your consent, we may not be able to provide certain products or services to you. We will advise you if this is the case at the time you withdraw your consent.

MARKETING COMMUNICATIONS

You will also have the choice to opt-in to receiving other related marketing information and related products and services. Both we and other carefully selected organisations or alternative credit and insurance providers may contact you by telephone, letter, e-mail, SMS or other social media to offer other credit or insurance products which may be of interest to you. We may also send you information about money saving tips and guides. You can opt-out of receiving these types of communications at any time by contacting us at compliancehelpdesk@freedom-finance.com or by clicking on the relevant link in email communications you receive from us.

DATA SECURITY

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. We also limit access to your personal data to only those Freedom Finance staff, appointed representatives, advisers, business partners and suppliers who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality. We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.

COOKIE POLICY

Cookies are small text files placed on your device to store data when you browse a website. Cookies and similar technologies have several functions:

  • storing your preferences and settings, which can be recalled when you re-visit a website
  • delivering interactive services and completing applications
  • maintaining online security and helping to protect against online fraud
  • analysing how our products perform, tracking website performance, conducting research and diagnostics, and fulfilling other legitimate purposes to give you a better online experience
  • storing and sharing your browser activity so that our advertising partners may provide content on products relevant to your interests
  • helping us to understand how people use our website - for example, if lots of people give up on an application process at a particular step, we can try to make that step easier to use

*Please note that our cookies do not store any personal or confidential information about you.

You can use controls in your browser to limit how the websites you visit are able to use cookies and to withdraw your consent by clearing or blocking cookies. For more information, go to the Help section of your browser and search for 'cookies'.

Be aware that if you choose to disable or delete cookies relating to our website, the following may occur:

  • we will not be able to recall information about you, including your preferences, and you will be treated as a first-time visitor
  • some of our online services might not work as you may expect
  • as you browse from page to page relevant information may have to be entered more than once

To find out more about cookies, visit www.allaboutcookies.org.

WEBSITE LINKS

Freedom Finance Ltd website may include links to third-party websites, plug-ins and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. When you leave our website, we encourage you to read the privacy notice of every website you visit.

Please also refer to our ‘Terms & Conditions’ found on our website www.freedomfinance.co.uk for more information.

WHERE DO WE STORE AND PROCESS YOUR PERSONAL DATA

We are committed to safeguarding your information and use industry standard methods to ensure that all the information you provide is secure. We store this on secure servers so that it can only be viewed by authorised personnel. We will only collect personally identifiable information to the extent deemed reasonably necessary to serve our legitimate business purposes. If we do transfer it outside the EEA, the information may be processed by staff operating outside the EEA who work for us or one or more suppliers. Such staff may be engaged in, among other things, the fulfilment of services, the processing of the application details, and the provision of support services.

HOW LONG IS PERSONAL DATA RETAINED?

We only retain your personal data for as long as necessary, i.e. for our regulatory requirements or our legal obligation. The table below outlines how long data is retained, and depends on the reason the personal data is used for.

Purpose of processing Retention
Successful mortgage / loan applications Records will be retained indefinitely. Information that does not need to be accessed regularly after 6 years, but which still needs to be retained, will be safely archived
Withdrawn, incomplete and failed loan applications 2 years from the date the latest application began
Enquiry data obtained from third parties that do not result in an application for a loan product 2 years from the date the lead was received from the Introducer
Future marketing of customer data – where consent has been given to keep customers informed of other products and services within the Freedom Finance Group that may be of interest Indefinitely unless customer withdraws their consent and/or requests data be removed

After these retention periods if there is no other on-going relationship, your personal data will either be securely deleted or anonymised so that it can be used for statistical purposes but without any method of identifying you individually.

CHANGES TO OUR PRIVACY NOTICE & FURTHER INFORMATION

We keep our Privacy Notice under regular review. Our latest version can be found on the Freedom Finance Ltd website, www.freedomfinance.co.uk.

Please also refer to our website for our ‘Terms & Conditions’ which outlines the service we provide.

QUESTIONS

If you have any questions or complaints relating to how we use your personal data, or if you wish to exercise any of your rights regarding your personal data, you may request this by writing to the Compliance Department Freedom Finance Ltd, Atlantic House, Atlas Business Park, Simonsway, Manchester, M22 5PR or emailing compliancehelpdesk@freedom-finance.com.

We shall respond to your request as soon as possible, depending on the complexity of the request but no later than one month from receiving it.

If you are not satisfied with how we respond to your enquiry, you have the right to complain to the Information Commissioner’s Office (ICO), who is the regulator for data protection in the United Kingdom.

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Our Terms & Conditions outline the services we provide. Please ensure you take time to read it carefully and if there is anything in this document that you are unsure about, please do not hesitate to contact us.

ABOUT US

Freedom Finance is a trading style of Freedom Finance Ltd. We carry out brokerage services and provisions of credit information services.

We are authorised and regulated by the Financial Conduct Authority for certain consumer credit activities. (FRN: 662079).

We comply with Data Protection laws in the United Kingdom and the EU General Data Protection Regulation (GDPR). Our ICO register number is Z120757X.

We are registered in England and Wales, company number 06297533. Our registered office is Freedom Finance Ltd, Atlantic House, Atlas Business Park, Simonsway, Manchester, M22 5PR.

SERVICES WE OFFER

We offer a range of unsecured credit products from a large panel of lenders so you can make an informed choice.

We offer full advice & recommendation on a range of second charge mortgages from a panel of lenders (a list of the Lenders we have access to is available on request). This means we will:

  • Complete a fact find and affordability assessment with you in order to understand your needs, preferences and circumstances.
  • Learn about your lifestyle and financial expectations over the life of the mortgage.
  • Explain the implications of the recommended mortgage features, both now, in the future and with interest rate movement.
  • Explain the costs associated with the mortgage and the impact of adding any of these to the mortgage.
  • Discuss the next steps and timescales including any administration /underwriting needed.

FEES & COMMISSION

For unsecured credit products, we do not charge a fee for referral to a lender. Our income is derived from commissions paid by the lenders and other third parties we deal with for any successful introduction we make.

For second charge mortgages we may charge a fee, actual fees and charges will be explained by the adviser prior to application & submission to a lender. We may also receive commission paid by the Lenders.

There may be additional costs relating to the mortgage we recommend to you and these will be detailed in the Mortgage illustration which we will send to you. A list of commission rates payable by the lenders is available on request.

CREDIT CHECK AND DISCLOSURE

In order to process your application, we may search the files of licensed credit agencies, who will keep a record of the search, to confirm your particulars and for the purpose of a credit assessment. A record can be kept of such searches which may be used by other lenders in assessing future applications for finance by you and for fraud prevention. These organisations may use this information in the future to help make credit decisions, prevent financial crime and to trace debtors.

Information held about applicants by CRA's may already be linked to records related to one or more of your partners or members of your household. For the purpose of this application you may be treated as financially linked and the application may be assessed with reference to any ‘associated’ records.

We may also, as part of the application request a Lenders Decision in Principle. This would involve the Lender conducting either a soft or hard credit search on all applicants, which may leave a mark on your credit files and can have a negative impact on your overall credit scores.

It is important that the information you provide is both accurate and honest, and a true reflection of your circumstances. It is your responsibility to provide information in this way to a provider or organisation that provides products and services recommended for you. Failure to disclose relevant information, or change of circumstances, to a provider or Lender may result in your product being invalidated.

If false or inaccurate information is provided, or if a reasonable suspicion of fraud or any other criminal offence is identified, details will be shared with fraud prevention agencies, law enforcement agencies and regulatory bodies who may access and use this information. We and other organisations may access and use the information recorded by fraud prevention agencies 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

Details of the fraud prevention agencies we work with are available on request.

All transactions relating to our services provided are covered by, and adhere to, the Money Laundering regulations and Proceeds of Crime Act. Our responsibilities include, but are not limited to, verifying the identity and address of our customers. Identity verification checks may include electronic searches through the Electronic Identification Verification Service, electoral roll and use of credit reference agencies.

We may also require proof of your income and expenditure to satisfy these requirements.

CREDIT REFERENCE AGENCY

Under data protection laws we are permitted to share some information where the reason for doing so is legitimate and isn’t outweighed by the effects it will have on the relevant individuals. On that basis we may pass your data to TransUnion (https://www.callcredit.co.uk/legal-information/bureau-privacy-notice) who may combine it with data from other sources, analyse and profile it (such as by predicting information about you), and pass their knowledge on to other companies to help trace you to provide important information or return assets to you. Your data may also be used in a similar manner to aid debt recovery and to prevent fraud by helping to identify you (for instance when you are applying for new products).

TransUnion may also provide your data to other organisations to support the assessment of credit risk, pricing and affordable payments. If you do not wish for your data to be used this way by TransUnion then please contact us at compliancehelpdesk@freedom-finance.com.

ACCURACY OF QUOTES

Freedom Finance Ltd takes every care to ensure the accuracy of the quotes which are based on the latest information available from the lenders at that time. However, the lenders on the panel reserve the right to change % APR or % APRC rates and underwriting criteria at any time and without notice. This may result in a change to the product offered to you or may result in the product offer being withdrawn.

The accuracy of the quotes depends upon the accuracy of the information you have provided. Freedom Finance Ltd and/or the lenders on the panel will conduct checks to verify the accuracy of the information you have provided. If information you have provided changes as a result of these checks, the original offer may be changed or withdraw.

The expected time periods from submitting your application to receiving your loan/secured loan funds are only a guide. Any delay in the returning of your loan documents, proof of income or identification and/or delays with any third party we or the lender need to contact in order to process your application, may result in your application taking longer to complete.

If you're thinking of consolidating existing borrowing you should be aware that although you may reduce your monthly outgoings you may be extending the terms of the debt and increasing the total amount you repay.

It's important that you can afford the repayments now and continue to do so throughout the term of the loan as failure to keep up with your repayments could lead to defaults, CCJ's, ultimately bankruptcy and affect your ability to obtain future credit.

HOW TO GIVE FEEDBACK OR MAKE A COMPLAINT

Your opinion is very important to us. Listening to your views helps us develop our company ethos of having customers at the heart of what we do. Please e-mail us support@freedomfinance.co.uk with any feedback you may have.

We all make mistakes and if we do get something wrong we want to know about it so we can put it right. We treat all complaints very seriously and promise to deal with them fairly and promptly, and in many cases we will resolve them straight away.

If you have a complaint please contact us by writing to the Complaints Dept. at the above address, via e-mail complaints@freedom-finance.com or telephone us on 0161 498 7739.

Freedom Finance Ltd will try to resolve any complaint with you. However if you are unhappy with our final response or we are unable to issue our final response within 8 weeks of receiving your complaint you can refer your complaint to the Financial Ombudsman Service.

We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.

You can get more information about them at: https://financial-ombudsman.org.uk/consumer/complaints.

PRIVACY COMPLAINT

Freedom Finance Ltd is committed to keeping your information private. By your ‘information’ we mean any information about you or anyone associated with you that you or a third party provides to us, as a result of the application process. If your complaint is related to how your personal data has been processed and you are not satisfied with the response from us, you have the right to complain to the Information Commissioners Office (ICO) who is the regulator for data protection in the United Kingdom.

We have a separate ‘Client Privacy Notice’ which is available on our website www.freedomfinance.co.uk, setting out how we collect and process your information. This should be read in conjunction with our ‘Terms & Conditions’.

TERMS OF WEBSITE USE

Your use of this website constitutes your agreement to all the terms of use detailed below.

The information that is made available on this website is intended for general information purposes only and is provided on an ‘as is’ basis without any warranties of any kind. Freedom Finance Ltd does not accept any liability for any loss arising as a result of reliance on the information contained on this website.

This website is owned by Freedom Finance Ltd and is protected by copyright and database rights. You acknowledge that all trademarks (registered or unregistered) used in providing this service shall remain the property of Freedom Finance Ltd at all times.

You shall not copy, adapt, exploit or otherwise use the information contained on this website in any way, save for the downloading and temporary storage of one or more of these pages for the purpose of viewing on a personal computer or terminal, provided that you do not delete any copyright and other proprietary notices contained therein.

We may make improvements or changes to the products, services and prices detailed on this website at any time without notice.

If you choose to use such a link as detailed in ‘How we use third party websites’ then you will leave this website. Once you leave this website, whether or not you realise that you are leaving, we are no longer in any way responsible for the material on the other website that you enter. We exclude to the fullest extent permitted by law all liability that may arise in connection with or as a result of such external website material causing any damage, costs, injury of financial loss of any kind.

You agree that you will not use this website to: a) Commit or encourage any criminal offence, including but not limited to harming a minor in any way and stalking or harassing another; b) Insert or knowingly or recklessly transmit or distribute a virus, worm, trojan horse, time bomb, trap door or any other computer code, files or programs or repetitive requests designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment or to diminish the quality of, interfere with the performance of or impair the functionality of this website; including carrying out any hacking activity; c) Circumvent, or attempt to seek to circumvent, any of the security safeguards of this website; d) Permit any third party to do any of the above.

While we try and ensure that all information on this website is accurate and up to date, errors may occur and we accept no liability for such errors. If we discover an error we will amend the website as soon as reasonably possible.

We neither warrant nor represent that your use of this website will not infringe the rights of third parties.

We are interested in protecting your personal information and we only use your personal information in accordance with our Data Protection Policy.

You have sole responsibility for adequate protection and backup of data and/or equipment used by you in connection with this website and will not make a claim against Freedom Finance Ltd for lost data, re-run time, inaccurate output, work delays or lost profits resulting from the use of such materials.

We may edit this policy from time to time. If we make any substantial changes we will notify you by posting a prominent announcement on our pages.

Freedom Finance Ltd reserves the right to refuse access to this website or any component of it. We may at any time, at the discretion of the site's management, refuse access to certain areas of this website to any individual it chooses – this refusal of access may take whatever form the management deem suitable.

This site is controlled and operated by Freedom Finance Ltd from the United Kingdom. Freedom Finance Ltd makes no representations that materials in this website are appropriate or available for use in other locations. Those who choose to access this website from other locations do so at their own risk and are responsible for compliance with any and all local laws, if and to the extent local laws are applicable. No material from this website may be downloaded, exported or re-exported into (or to a national or resident of) any countries that are subject to UK exporting restrictions/legal or socio-economic sanctions.

COOKIE POLICY

Cookies are small text files placed on your device to store data when you browse a website. Cookies and similar technologies have several functions:

  • storing your preferences and settings, which can be recalled when you re-visit a website
  • delivering interactive services and completing applications
  • maintaining online security and helping to protect against online fraud
  • analysing how our products perform, tracking website performance, conducting research and diagnostics, and fulfilling other legitimate purposes to give you a better online experience
  • storing and sharing your browser activity so that our advertising partners may provide content on products relevant to your interests
  • helping us to understand how people use our website - for example, if lots of people give up on an application process at a particular step, we can try to make that step easier to use

*Please note that our cookies do not store any personal or confidential information about you.

You can use controls in your browser to limit how the websites you visit are able to use cookies and to withdraw your consent by clearing or blocking cookies. For more information, go to the Help section of your browser and search for ‘cookies’.

Be aware that if you choose to disable or delete cookies relating to our website, the following may occur:

  • we will not be able to recall information about you, including your preferences, and you will be treated as a first-time visitor
  • some of our online services might not work as you may expect
  • as you browse from page to page relevant information may have to be entered more than once

To find out more about cookies, visit www.allaboutcookies.org.

LAW AND JURISDICTION

All of our agreements provided are governed and construed in accordance with the laws of England and Wales, in relation to any dispute. For your protection you agree to submit to the non-exclusive jurisdiction of the English courts.

FURTHER INFORMATION

We may edit this policy from time to time. Please refer to our website www.freedomfinance.co.uk for the latest version.

If you have any questions about these Terms and Conditions, or any other aspect of our website please write to us at; Freedom Finance Ltd, Atlantic House, Atlas Business Park, Simonsway, Manchester, M22 5PR or telephone us on 0161 498 7739 (calls may be recorded for training and monitoring purposes) or email us at support@freedomfinance.co.uk.

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