Frequently Asked Questions: Britannia

	Frequently Asked Questions About Our Loans HOW MUCH CAN I BORROW? WHAT DOES IT COST? FOR WHAT PURPOSE CAN THE LOAN BE USED? HOW DO I APPLY FOR MY LOAN? CAN I REPAY MY OTHER CREDIT COMMITMENTS? CAN I APPLY IF I AM SELF EMPLOYED? CAN I APPLY IF I HAVE MORTGAGE ARREARS OR COUNTY COURT JUDGEMENTS? CAN I APPLY IF I HAVE BEEN REFUSED ELSEWHERE? CAN I PROTECT MY REPAYMENTS AGAINST DEATH, ACCIDENT, SICKNESS AND UNEMPLOYMENT? CAN I BORROW MORE MONEY IN THE FUTURE? IS MY APPLICATION CONFIDENTIAL? CAN I FIX MY INTEREST RATE HOW QUICKLY WILL MY APPLICATION BE PROCESSED? If your Question is not covered here, please contact our Customer Services team on (0800) 132952 or see Contact Us.

	Q: HOW MUCH CAN I BORROW? A: From as little as £3000 to a normal maximum of £1 million. However, of course it will depend on your individual circumstances and how much you can afford to repay each month. Why not check our Loan Calculator to find the right monthly payment to suit your budget. Back to FAQ List

	Q: WHAT DOES IT COST TO APPLY? A: Absolutely nothing. Applying is FREE, regardless of whether you Call Us or Apply Online. Our Loans can be spread over a choice of repayment periods in order to best suit your circumstances. If it is a loan you require then please refer to the repayment chart to help you decide. However, if the amount or term you require is not quoted, or if you require a personalised illustration, then please contact the office. Why not check our Loan Calculator to find the right monthly payment to suit your budget. And remember, this is all you pay... Back to FAQ List

	Q: FOR WHAT PURPOSE CAN THE LOAN BE USED? A: Whatever you like! As soon as you receive your cheque, the money is yours to spend how you wish. Whether it be a car, holiday or home improvement. Back to FAQ List

	Q: HOW DO I APPLY FOR A LOAN A: Simply Click Here or Call Free on 0800 132952 Back to FAQ List

	Q: CAN I REPAY MY OTHER CREDIT COMMITMENTS? A: YES! In fact, one of the most popular loan purposes is to repay other credit. It will allow you to be clear of your outstanding debts in exchange for one loan which is generally at a lower rate of interest. You can also spread the repayments over a longer period of time. Why not check our Loan Calculator to see how much you can Save by Consolidating all your credit. Back to FAQ List

	Q: CAN I APPLY IF I AM SELF EMPLOYED? A: YES! If you are self employed or starting a business we will help you - even if trading accounts are not available. Our criteria is simple - If you can afford the payments, then we can help. Back to FAQ List

	Q: CAN I APPLY IF I HAVE MORTGAGE ARREARS OR COUNTY COURT JUDGEMENTS? A: Again, the answer is YES. Although other companies may decline your application, BCS Loans & Mortgages have a selection of Lenders who can assist those with County Court Judgements / Mortgage Arrears or other items of adverse credit. Back to FAQ List

	Q: CAN I APPLY IF I HAVE BEEN REFUSED ELSEWHERE? A: YES! Many of our customers find that our many years of experience and innovative approach allows us to arrange your loan where other companies may have failed you. Back to FAQ List

	Q: CAN I PROTECT MY REPAYMENTS AGAINST DEATH, ACCIDENT, SICKNESS AND UNEMPLOYMENT? A: YES! We can offer an optional low cost insurance to cover your loan repayments in the unfortunate event of death, accident, sickness or unemployment. Although this cover is optional, we feel that a little extra each month is a small price to pay for complete peace of mind. For full details, go to Income Protection or call (0800) 132952. Back to FAQ List

	Q: CAN I BORROW MORE MONEY IN THE FUTURE A: YES! You can apply for a further loan after only a few months, even though you may not have repaid the original loan. Back to FAQ List

	Q: IS MY APPLICATION CONFIDENTIAL? A: YES! All applications are treated in the strictest confidence. We do not contact your Employer, Bank or any other third party, without your permission. Back to FAQ List

	Q: CAN I FIX MY INTEREST RATE? A: YES! Many of our Loans are available with up to Five year Fixed Rate option. We will tell you what Fixed Rate is available and you can choose whether this suits your needs. Back to FAQ List

	Q: HOW QUICKLY WILL MY APPLICATION BE PROCESSED? A: With our loans, you will not have not have long to wait, as we aim to have your money available within 24 hours of the signed Loan Agreements being received by the Lender. Our Loans are processed just as quickly and our specialist team of underwriters will aim to produce a Loan offer within 7 working days of your Application being received. Back to FAQ List