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The first thing you will see is our costs are significantly less than our competitors, this is because we believe credit should be supplied at the lowest possible rates. We are a direct lender and this enables us to pass these cost savings onto our customers. There are no hidden fees in any of our loans - we guarantee that you only pay back the amount that you have agreed to. The majority of our decisions are made by people and not computers, and we believe it is important for people to know who they are dealing with and have a point of contact should they have any questions or queries.
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Your application will be processed within 2 hours of receiving within our office hours. Once your application has been accepted the money will be processed and in your bank the same working day (if approved before 4pm).
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As soon as we have processed your application form you will receive a text message informing you of our decision. If you have not received this after 24 hours please call us on 0800 151 2997.
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There are zero hidden fees in any of our loans - we guarantee that you will only pay back the amount that you have agreed to. Non-payment of your account may involve us pursuing you through the court for recovery which will result in you being responsible for the associated costs. There are no fees for transferring money into your bank account.
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Below are our qualification questions before you start the application process. Please note that should you answer any of the questions incorrectly on your application, it may result in you being declined and a credit search being carried out on your name, which may result in you finding it more difficult to achieve credit elsewhere. Should you wish to speak to one of our customer care advisors about your application, please call us on 0800 151 2997.
- Have a net income (after tax) of at least £600 per month
- Have no live accounts with Skyline Direct
- Be in an area we operate in
- Over 21 years of age
- A UK resident
- A full UK bank account and debit card
- Not have filed for bankruptcy in the last 5 years
- Not have a CCJ in the last 5 years
- Not in or entering into an IVA or a trust deed
- Not have a default on your credit file in the last 12 months
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Once you have decided on the amount you would like to borrow, click on the 'Apply Now' button and this will take you to our simple application process. Should you require any assistance during this process, please contact us on 0800 151 2997 where we will help you with any queries.
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Yes - and if you pay a bit more each week or settle in a lump sum you may be entitled to an early settlement rebate. To find out how much of an early settlement rebate you may be due, please contact us on 0800 151 2997. There are no additional costs to settle your loan early.
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We fully understand that in certain times we can all go through a difficult period and often through no fault of our own. The majority of our decisions are made by people, and we take all factors into account during the decision making process - we are often able to help people with a few bumps in their credit history. One of our advisors may call you to ask for more information to support your application. Zippa only offers loans to people who can show they are in a position to meet the repayments. In many cases faithfully repaying a loan can help to restore your credit rating.
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Please contact us immediately on 0800 151 2997 or email us at support@zippaloans.com and one of our specialist advisors will discuss the best way to resolve the situation. You can also seek independent help by visiting www.moneyhelper.org.uk.
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We believe this is the best way of making your loan repayments and involves you giving us permission to collect your repayments automatically from your debit card. It is simple to set up as all we need is your debit card details. We will require you to inform us if you get a new or updated debit card. If your payment declines you will be informed by SMS to enable you to contact us to make your payment. Missed payments will be reflected on your credit file and may make obtaining more credit more difficult.
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For any help concerning your account please call us on 0800 151 2997 or send an email to support@zippaloans.com . Our office hours are Monday to Friday, 8.30am to 5.30pm.
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Please contact one of our customer support advisors on 0800 151 2997 who will make the relevant changes.
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Whilst we endeavour to make our customers' experience excellent, we want to know if we have got anything wrong. We take complaints seriously and work to resolve them quickly, along with explaining the reasons for reaching our decision. In the first instance please contact us directly by one of the following methods:
- Telephone: 0800 151 2997
- Email: complaints@zippaloans.com
- In writing: FAO Stephen Crainie, Zippa Ltd. Suite 3J, Willow House, Bellshill, ML4 3PB.
In the unlikely event that you are not happy with the outcome, you have the right to refer your complaint to the Financial Ombudsman Service within 6 months of our final response. The contact details are as follows:
Financial Ombudsman Service, Exchange Tower, Harbour Exchange, London, E14 9SR
Website: www.financial-ombudsman.org.uk
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Yes - we adhere to all data protection guidelines and do not pass your details on to any third parties.
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No, there is no cost to submit an application, and all our costs are upfront and included in your repayments. There are no hidden costs or fees.