Responsible Lending

Nextcredit Ltd are a responsible lender offering single payment ("payday") and short term instalment loans (where you can spread the cost of your loan over a longer period).

Before you apply for a loan with us, we encourage you to look around our website and to think about the following:

-Is a short-term loan right for you and your current circumstances?

-Can you afford to repay the loan?

Our decision to lend to you is based upon a lot of information and from our point of view, we want to feel comfortable that you are capable of repaying the loan within the specified time period and without financial hardship.

We will gather as much information as possible from you and from credit reference agencies and we will carefully consider the information in order to reach a decision on whether to lend to you.

We want to ensure that you are well informed about the cost of your loan and what will happen in the event of non-payment. Prior to entering into a loan Agreement with us, we will inform you of the charges for your loan and the charges that will be applied in the event of any default in repayment.

We will use plain English when communicating with you and ensure that our communications are transparent.

If you would like further information, please visit our How It Works or FAQs pages. Alternatively, you can contact us at