Responsible Lending Policy

Quick Credit lends responsibly. We assess every application on its merits and only approve a loan where we reasonably believe the repayments are affordable and sustainable for you. We do not offer guaranteed approval, and we will decline applications where borrowing is not in your interest.

We review your income, regular outgoings, existing credit commitments and credit history. We may ask for supporting documents such as pay stubs or bank statements to verify what you have told us.

Before you sign, we disclose the loan amount, fixed APR, term, monthly payment, total amount repayable and all applicable fees. We never use pressure selling and we never advertise approval outcomes we cannot deliver.

Contact us as early as possible. We can discuss options such as changing your payment date, a temporary payment arrangement, or a revised plan. We treat customers in financial difficulty fairly and will not add pressure to a difficult situation.

Free, impartial debt advice is available from non-profit organisations such as the National Foundation for Credit Counseling (nfcc.org). Using a free advice service will never affect how we treat your account.

Late or missed payments may result in fees, additional interest and damage to your credit rating. Borrow only what you need and can comfortably repay.