Patient Finance
Get an interest-free loan in under 5 minutes
Receive a finance link
Choose how to pay
You click the link in the email and select the payment option that suits you best.
And apply in 2 minutes
The credit application is really short, you can breeze through it in 2 minutes.
Applying is easy and won’t affect your credit score
Our lenders ask simple, but relevant questions and your data is kept private at all times.
Finance applications only run soft credit checks, so if your application is unsuccessful your credit score won’t be affected.
9 out of 10 of our credit decisions are instant.
Our sophisticated algorithms give you a response in under 3 seconds. If you’re approved, you just need to choose when you want payments to be collected each month and you can start the loan right away. If you’re unsuccessful, you can easily refer the application to a friend or family member and have them apply on your behalf.
Payments are taken once a month and there are no hidden fees
Once your loan starts, payments are collected every month, you can easily change your payment day online if you wish to.
You also won’t get charged an extra fee for things like repaying early, or even for missing a payment.
Once your last payment is through, that’s it, you’re done.