Yes we are authorised by the FCA for consumer credit services.

Company Number 9041461

You can check your FREE credit score using one of the following links

1. Experian
2. Equifax
3. Clear Score

Your credit score serves as an indicator of how well you manage your personal finances. Although (CGN) assesses your current ability to repay a loan, your credit score may affect  your eligibility for a (CGN) loan.

Creditors share information with credit reference firms such as Experian. Making repayments on time can help to improve your credit rating.

You must pass an affordability check before you can qualify for a (CGN) loan. If you are in receipt of benefits or unemployed, your ability to borrow will be restricted. Students will need proof of student finance payment schedules.

Produce a copy the letter you would have received from the DWP or Student Finance detailing the amount you receive and how often you receive the payments.

You will need either your valid passport or valid drivers licence as a form of ID to qualify for a (CGN) loan.

Without a UK bank account, (CGN) cannot offer you credit.

No. We will only accept utility bills (Landline, Water, Electricity & Gas) as proof of address. Mobile phone bills are NOT accepted as proof of address.

Then you must have proof of your previous address. This may also affect the amount you’ll be able to borrow.

All loans are subject to affordability checks. The maximum values serve as a guide only and are not representative of a successful application

Maximum £200.00 for persons on low income

Maximum £300.00 for part time workers

Maximum £500.00 for full time workers.

Payments are made online via BACS or CHAPS or via telephone banking. You can make cash payments in branch at Santander however, we do not accept personal cheques

Yes; our fees are listed on the guidelines page and within all credit agreements.  Do remember that missed or late payments can stay on your credit report for up to 6 years and may affect your ability to secure credit it future.

NO. We do not offer PPI or any other substitute for PPI. We strongly advise that you make every effort to stay in control of your finances.

We do not encourage this however; in extreme circumstances we can deal with a representative of your choosing. For this to happen, we will need your instructions in writing or by phone where by the account holder will need to answer some security questions before access to the account can be delegated.