Pounds To Pocket

If cobwebs have started to form on the inside of your wallet then we will help you to dust them out.

At Pounds to Pocket, we will provide you with a financial solution that can get rid of the cobwebs that clutter your financial life. Pounds to Pocket is a direct lender that has been helping UK citizens with their financial problems since 2010.

What if I have bad credit?

Bad credit does not scare us and it should not scare you either! Even if you have a less than perfect credit score, you can still apply for a loan with Pounds to Pocket. As long as you are at least eighteen, reside in the UK, have your own bank account and a steady income then you can apply using our online application.

Will taking out a loan affect my credit score?

Once you have been approved for a personal loan, you have accepted the responsibility to meet the monthly repayments. If you are able to meet these monthly payments and repay your loan without any problems then you can improve your credit score making future approval for loans easier.

However, if you are unable to meet your monthly repayments or declare bankruptcy then you can make your credit score worse and lenders might not be willing to lend to you in the future because you pose a risk.

The best part of borrowing from us is that we do not have any annual fees, early repayment fees or application fees!

We operate with full transparency because you have enough on your plate.

Unsecured home loans

At Pounds to Pocket, we offer unsecured home loans to both homeowners and tenants. With an unsecured loan, the borrower does not have to offer any assets as collateral thus if you cannot make your payments, the lender cannot take any of your assets. A new borrower can be approved for up to £2000 in unsecured loans.

Individuals can use these unsecured loans for anything from vehicle repairs or fund small home projects.

How do repayments work?

The repayment amount that you pay every month will differ per client as it depends on the amount borrowed, the period borrowed for and the interest rate. Repayments are made monthly via debit card or direct debit authorization. We do not charge fees for early repayment which means you can make additional payments to reduce your total balance thus paying off the loan faster and with less total interest.