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FAQ

At Loanza, we’re always happy to help. By using our Contact form, you can send us your questions and we’ll try to answer them ASAP. But before you do that, we kindly ask you to read through our most commonly asked questions and their answers:

Can I get payday loans for bad credit?

Yes, you can. A bad credit payday loan is a specific type of loan for people with poor credit in need of fast cash. Normally, the interest rates will be higher on such loans than other, non bad-credit loans, but they are available for people who struggle to find credit. Many lenders on our panel offer bad credit payday loans, and rely on affordability checks rather than credit history.

Can I get a short-term loan without a credit check?

The short answer is no. However, please read on, because this information is very important for your loan application. Lenders must do a credit check on all loan applications - they are required by law. However, as a loan broker, we only carry out a no-credit footprint, soft search. Then, we use your details to connect you with a lender who is likely to fund your loan. Then, if you proceed with the lender, they will carry out one credit check. So, by using our services, you can avoid multiple hard checks damaging your credit score that could happen if you went direct lender to direct lender trying to find one who funds your loan. If you have a bad score, don't worry - many lenders are now offering bad credit loans and accepting people with poor or no credit history. They focus on affordability instead. Please avoid direct lenders who claim to offer loans with no credit check - it's a scam.

I'm looking for payday loans direct lenders. Can Loanza help?

Yes. We can connect you to over 50 direct lenders. You're actually better off using Loanza than going from lender to lender to see how would fund your loan. We have the ability to match your details to lenders on our panel without performing any hard checks (you'll get no credit footprint from Loanza). Then, based on your data, we can direct you to a lender who'd most likely fund your loan. This way, if you decide to proceed with the lender, you'll only get one credit check on your file performed by them.

I need cash today. Do you offer same day loans?

Yes! Many of our lenders offer same day funding, so you could get your cash in minutes if approved. How fast you'll have the money in your account also depends on your bank's procedures and policies.

How much money can I borrow?

Loans are available from £100 to £5,000. However, the amount you can borrow depends on the loan term you choose, the lender, and your personal circumstances.

How fast can I get the money?

Same day loans are offered by many lenders on our panel, so you could get your money in a matter of minutes once approved. Your bank's procedures and policies will also have an impact on how fast you have the cash in your account.

What do I need to qualify for a loan?

To qualify for any loan in the UK, you need to be over 18 years old, you need to live in the UK and you need a UK bank account.

How do I apply for a loan with Loanza?

All you need to do is fill in our simple 2-minute online form. We'll search our database of over 50 lenders to match you with the best available loan for you. If provisionally accepted, you will be redirected to the lender's site, where you will need to finalise the loan request. If you decide to take the loan offer, money could be in your account within minutes (subject to your lenders' policies & procedures and your bank's processes). Once you get the loan, you'll start the repayment plan you agreed to.

Can I join Loanza without applying for a loan?

Absolutely! Hit Register in the menu and you can create your Loanza account in a few seconds.

Who can join Loanza?

Anyone over the age of 18 can register, but you need to be a UK resident to enjoy what we offer.

Is it free to use Loanza?

Loanza is 100% free to use. We don't charge any fees for our services, and never ever take money from your bank account. We don't work with brokers who charge fees and we don't showcase misleading offers. If an offer (such as a credit card) has any associated fees, you'll be clearly informed.

Is Loanza regulated?

Yes. Loanza is a brand of Stop Go Networks Ltd., authorised and regulated by the Financial Conduct Authority. Firm Reference Number 729572.

How does Loanza make money?

Loanza never charges you for its service, but if you do get a loan with a lender we connect you to or decide to get one of the offers we recommend, we receive a commission. However, we only have partnerships with lenders and other providers who we trust and would use ourselves. The commission we receive has no impact at all on how we rank your offers. We are proud to offer excellent customer experience, reliability and transparency.

How can I get in contact?

Just use our contact form to send us an email. We'll get back to you within 5 working days.

I've tried to apply for a loan, but it keeps telling me to log in! I don't remember having an account...

If during your loan search you're asked to log in, it means you have applied with us before, and we've created an account for you. It's all for your benefit, so you don't need to fill in long forms again and again! All you need to do is visit the login page and click the forgotten password link. We'll send you a password reset email, you click the link, pick a password, and voila! You can continue your loan search without filling the form in again. Not to mention all the other cool stuff that's waiting for you inside your member's area. :)

I've forgotten my password. What can I do?

If you've forgotten your password, don't worry. Visit the login page (you need to log out for this), click the "oops, I've forgotten my password" link below the password field, and we'll send you a password reset email. Easy peasy!

I didn't request a password reset. Why did I receive a password reset email?

You received this email because someone has requested a password reset for your account. For this to happen, all they need to know is your email address. So don't worry, if it wasn't you, just ignore the email - your information is safe. If you want to be more careful, to make sure nobody has access to your emails, we would suggest you change the password for your email account.

How can I update my information?

Click on "My Account" or your figurine icon to view all your details. For each section, you'll see an edit button that will take you to the short form where you can edit your information and save the changes to your account.

Can I change my email address?

No, you can't. Your account is identified by your email address.

Can I change my phone number?

Yes, you can. Same way as changing your other details (see the question "How can I update my information?").

How can I change my password?

If you remember your current password, you can change it by visiting the "My Account" page, and clicking the edit button on the password section. It will ask you to input your current password, then your new password twice. If you want to change your password because you forgot your current one, please see the answer to the "I've forgotten my password. What can I do?" question above.

Can I use the same email address for multiple accounts?

No, you can't. We identify your account by your email address, so when you'll try to register with it, we will recognise it and ask you to log in instead.

How can I log out of Loanza?

You can log out of Loanza by clicking the "Log Out" button on the bottom of the "My Account" page, or the "Log Out" button in the menu.

Can I unsubscribe from Loanza marketing emails?

Yes, you can. There will be different kinds of updates you'll receive from us, and you'll be able to unsubscribe from each type separately by clicking the relevant link in the email. For instance, you can unsubscribe from offer updates only and still receive news and updates. If you wish to unsubscribe from all email communications from Loanza, you can just hit the Unsubscribe link in any of the emails you've received.

Can I delete my account?

If you want to delete your account, please contact us through the contact form, select subject line Customer Care and in the message, just ask for your account to be deleted. If you will, please share with us the reason you'd like to leave us - however, it's not necessary. Your account will be deleted within 5 working days.