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What Our Customers Say About Short Term Lenders

Our main aim is to treat all customers fairly and use forbearance in all of our dealings with you.


Short Term Loans

My Financial Loan Broker provide a service for those looking for payday and instalment short term loans. Such loans can help you address temporary cash flow problems or unexpected circumstances, and allow you to avoid costly overdraft fees.

Lending to new or existing customers

In addition, we will:

Robust credit assessments

As responsible lenders, we will:

We will explain in general terms what types of information we will consider in making a decision, if you ask us to.

We will not provide you with a payday or short term loan if you have told us you are in financial difficulties or our credit assessment indicates that you may not be able to repay the loan.

Increased transparency about loan repayments to help customers make better informed decisions and making sure that continuous payment authority is not used inappropriately for those in financial difficulty.

We will:

Help for customers in financial difficulty

We are committed to using forbearance in all of our dealings with you. To this end we have a dedicated Forbearance Team. If you are in financial difficulty, we will:

Data protection and marketing

We will:

Rigorous complaints procedures

When you take out a loan, we will tell you about our complaints handling procedure. We will do this:

This information is also available on our website.

If you want to make a complaint, you should contact us first using our complaints procedure. We will acknowledge your complaint promptly and in any case within five days of it being received by our Complaints Department. If we need to investigate your complaint further to respond fully, we will tell you and keep you regularly updated.

If you are still not satisfied after receiving our Final Response, you may refer the complaint to the Financial Ombudsman Service and we will give you their details.

Updates and twelve month review

A review of the effectiveness of the Short Term Lending Code will be undertaken in Spring 2020.

It may be updated sooner if rules or legislation governing our business requires us to.