If you are aware that you won't be able to repay, please do not apply in the first place.
If you are having financial difficulties get free anonymous debt advice from the UK's leading debt charity StepChange.
Step Change is a registered charity offering free and confidential advice and support, online or over the telephone, to anyone who is worried about debt. Please call 0800 138 1111 between 8:00 a.m. and 8:00 p.m. Monday to Friday, or click here for their online debt remedy tool.
The Citizen's Advice Bureau (CAB) helps people resolve legal, money and other problems by providing free face-to-face information and advice in your community.
The National Debtline is a helpline that offers free confidential and independent advice over the telephone for people living in England, Scotland and Wales. Please call 0808 808 4000 Monday to Friday 9:00 a.m. to 9:00 p.m. and Saturday 9:30 a.m. to 1:00 p.m.
MiniCredit only lends to clients who can afford it. We take our clients' welfare seriously.
There are no hidden charges.
We keep our customers informed about their short-term loans application status from applying to repayment by instant text messages and email.
MiniCredit does not send you unsolicited emails or marketing materials.
MiniCredit provides clear, transparent customer contracts and communications.
MiniCredit treats customers in a helpful and courteous manner and delivers high standards of service.
MiniCredit maintains a high level of customer satisfaction.
MiniCredit does not target people with debt problems.
You don’t have a bank account
You want a safe way to spend money when travelling abroad
You want to receive wages or benefits and access them immediately
You are new to the UK or have a poor credit history
You want to shop online or by telephone but don’t have a payment card
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- that credit is provided for a period of one year and the parties fulfil their obligations in accordance with the Agreement;
- that the credit limit is £1,200, which amount is drawn down immediately and repaid after 42 days in accordance with the payment period in the Agreement, with successive drawdowns and repayments of that amount on a similar basis, save that the final repayment shall be at the end of the period of one year and shall clear the balance of capital, interest and other charges;
- that interest and charges are applied accordingly and in accordance with the Agreement and that the interest rate and charges do not change.
On these same assumptions, the Total Amount Payable is £1,855.20
We are committed to responsible lending. We urge you to consider carefully before applying for a loan with Minicredit.co.uk. Please read the Minicredit.co.uk Terms and Conditions carefully. If you think you cannot repay please do not apply in the first place. Minicredit.co.uk loans should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counselling.