How LuckyFinance works?

All you need to do is enter your details into our intuitive form and we will scan for you our large panel of selected lenders and brokers who may be able to help.
Our application form takes less than 5 minutes and you should be able to get an decision.
There is no obligation, you can accept their offer, or you can choose to decline it. If the offer meets your needs, funds may be transferred to your bank account on the same day. Please make sure before accepting an offer that you read and agree to the terms of the offer.
LuckyFinance is not a lender but is a licensed credit broker. We have a wide range of lenders available to look at your application. We will submit the information you provide to a direct lender and/or brokers providers. Upon loan approval, a direct lender may require further information from you which will be collected after we transfer you to their website or they may contact you via phone or email. Not all lending partners offer up to £10,000 loans, and not all applicants will be approved for their requested loan amounts. Loan repayment periods vary by lender also.
Please be aware: there is no charge to you for using our service but we may receive a commission or fee for providing your information to our panel of lenders and brokers.

Term of Repayment and APR

The loans offered through lending platform on this website have minimum repayment terms of 1 month and maximum repayment terms of 36 months and not all lending partners offer up to £10,000 loans, and not all applicants will be approved for their requested loan amounts. APR rates range from 45.3% APR to 1575% APR. The rate is subject to change and the representative APR may not be the rate you'll receive. The rate you pay depends on your circumstances and loan amount, and may differ from the Representative APR.

Collection process

We always recommend repaying on time but If you are struggling, or think there is a possibility that you will not be able to meet the agreed repayments, you must contact your money lender as soon as possible to avoid adverse action. They will inform you about their collection process and about any possibility to reschedule or otherwise restructure your loan repayments. LuckyFinance does not engage in collection practices as lenders collect policies vary.

Late payment

Additional interest and/or charges may be applied to your account if your payment is not received on the agreed due date.
Your lender may want to re-assess your financial situation to understand if your late payment was a one off or likely to happen again. Lenders might look to alter your payment schedule if this could help prevent late payments from occurring again in the future. Lenders may also report late payments to Credit Reference Agencies, this could have a negative impact on your credit score and affect your ability to obtain credit again in the future.

Implications of Non-Payment

Additional interest and/or charges may be applied to your account if a payment is missed entirely.
Before you borrow money make sure you fully understand the interest rates, fees and the terms laid out in the loan agreement. If you cannot afford your agreed repayment(s), this may have a negative impact on your credit report and could affect your ability to borrow again in the future. We strongly recommend that you contact your lender in the first instance, they will need to be aware of your change in financial circumstances before they can present alternative methods of repayment to suit you. Collection processes can vary depending on your loan provider. If you do not contact your lender about your circumstances they may pass your account to a third-party collections agency, or attempt to take you to court for non-payment to register a County Court Judgment (CCJ) against you.

Renewals policy

If you wish to renew your loan, please discuss this with your lender in advance. Most lenders will charge the same rate of interest and fees for another month on the entire amount owed. In the event of non-payment, a loan renewal/extension could be automatic and further interest and/or charges may be added to your account.

Disclaimer: The proceeding is general advice only, and is not intended to address your specific financial situation. Please consider retaining independent financial counsel to discuss your individual needs.