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How To Find Trustworthy Loans Online


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Representative APR


Representative Example: On an assumed loan amount of £750 over 12 months. Rate of interest 292% (fixed). Representative 171%APR. Total repayment amount £1351.20 and total interest is £601.20. 12 monthly payment of £112.60.*

* We do not know how many customers take out a loan or the APR, this calculation is based on the mean APR of the lenders we work with

My Financial Broker proudly works with over 25 trustworthy lenders in the UK who can offer loans from £300 to £5,000 repaid over 3 to 12 months. We review every lender that we partner with to ensure that they are regulated, authorised and legitimate lenders and have a strong commitment to responsible lending.

As a leading broker for unsecured loans, you can apply through our online application form is less than 5 minutes. You will receive an instant decision on screen and based on your loan requirements, we will recommend a trusted lender who is most likely to approve you and provide funds within 1 hour or on the same day.

Why Is It Important To Find A Trustworthy Loans Provider?

Prior to FCA regulation that was introduced in 2014, the online loans industry had regularly been subject to complaints. The market was overwhelmed with unlicensed brokers and lenders who would charge upfront fees and also pass on customer details leading to unsolicited phone calls, emails and text messages. Customers were also prone to receiving high default fees and rollovers, cause a malicious cycle of debt. So it is important to find a trustworthy lender to keep your details safe and to effectively receive the funds that you need. Today, the loans industry is significantly better, with a cap of 0.8% and a strict authorisation process to ensure that lenders and brokers are worthy to offer financial loan products. Still, there are a few things you can do to double check and make sure you find a trusted loans provider.

How Can You Find A Trustworthy Lenders Company?

FCA authorised

All lenders and brokers in the UK must be authorised by the Financial Conduct Authority to offer or broker financial products. This requires a lengthy authorisation process which is only granted to firms who can demonstrate their commitment to treating customers fairly and responsible lending. To check if a lender or broker is FCA authorised, you will typically find this information in the footer on every page of their website and you can cross-reference this information on the FCA register here.


You can have peace of mind when entering your details if the site is hosted on a secure server, starting with “https” rather than just “http.” This extra ‘s’ provides a layer of encryption which makes your details more secure and harder to access from external sources. Applying on a website with a secure server will keep your personal details safe and sound.


Unauthorised or rogue companies may use different language to promote their business, and this may be worth questioning. This includes phrases such as “guaranteed approval” or “100% acceptance” which might be too good to be true. A regulated lender should not provide any misleading information and carry out thorough checks prior to funding any customer.


A trusted lender will have real reviews from other previous customers online, through Google Reviews, Trustpilot, Feefo or Reviews.co.uk. Reading these reviews will also give you an indication of how recently the company has been trading and whether it can be a good fit.


Trustworthy loan companies will always have a real office and premises and should be easily contactable by email, phone or post. If you are visiting the website of a loans broker or provider and there are no contact details anywhere across the site, you should treat this with caution.

Is It Safe To Give My Details To My Financial Broker?

Yes, we are fully authorised by the Financial Conduct Authority and are part of a wider group that has over 25 years of combined experience. Once you complete your details, your information is held and stored very safely within our secured server. We do not charge any fees for applying or matching you with the best lender available; and all quotes provided are completely no obligation whether you want to proceed or not.

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