7.9% APR is our typical rate for loan applications of £9,000 - £25,000 to new customers. However, we will review your past credit history and other personal details, and the actual rate we offer may be higher depending on your personal circumstances.

Once your loan is approved, we can send it electronically to your account within three working days of us receiving your signed loan agreement. For an extra £50, you can benefit from a Fast Track service where the loan agreement is couriered to your house the next working day between 6-8pm. The loan will then be paid into your bank account the following working day by CHAPS.

Goldfish Personal Loans are underwritten and provided by Liverpool Victoria Banking Services Limited (LVBS). LVBS is authorised and regulated by the Financial Services Authority (FSA) for deposit taking and is entered on the FSA Register, No. 204551. LVBS is a member of the Finance and Leasing Association. The ultimate holding company of LVBS is Liverpool Victoria Friendly Society Limited, which is entered on the FSA Register, No. 110035. Registered Address: County Gates, Bournemouth, BH1 2NF, registered in England No. 432080.

Our customer advisors are available on 0800 107 0406. For textphone: dial 18001 followed by 0800 107 0406.

Lines are open 8am to 8pm Monday to Friday and 8am to 4pm on Saturday. Calls may be recorded for training and monitoring purposes.

If you apply for your loan online, we should be able to give you a decision within minutes. If your application requires more information we’ll write to you or call.

The minimum you can borrow is £1,000 and the maximum £25,000.

Any UK resident aged between 18 and 65.

Once you’ve worked out how much you need, or how much you can afford to borrow, just click on the 'Apply now' link. This will take you to the application form, which takes approximately 10 minutes to complete.

A recent bank statement, pay slip or mortgage or rent details. You will also need details of any other loans or credit cards you have.

All companies like Goldfish who offer loans, use a credit reference agency to carry out a credit search on everyone applying for loans. This will add details to your application, and this will be seen by other organizations that make credit searches. This looks at your current and past financial status, including people with whom you have financial arrangements. These financial details will be taken into account whenever you apply for credit. If you would like to know what details are held about you by the credit reference agency, write to:
Experian
Consumer Help Service
PO Box 8000
Nottingham NG1 5QX

You can also contact them by telephone on: 0870 241 6212
Or by visiting their website: www.uk.experian.com

Please note, the credit reference agency will charge you £2.00 for this service and you’ll need to include this payment, together with details of the addresses you have lived at for the past four years when you contact them.

First, read all of the documents carefully. Complete and sign both copies of the Agreement. Retain your copy of the Credit Agreement and return the other one, together with the enclosed direct debit form and other document(s) you may have been asked to supply. A pre-paid envelope will have been provided. If you are taking out Payment Protection Insurance you must also sign in the box on the Credit Agreement relating to this insurance, ticking the type of cover required. You may have been asked to provide proof of income. This can be original wage slips, bank account statements for the last 3 months, or 2 years' certified accounts if you are self-employed.

Your completed documentation should be received within 2 working days of your posting it. The funds will then be transferred into your bank or building society account; this usually takes three working days. This process may be delayed if the documents aren’t complete. If there is a problem, we will contact you. After allowing three working days, contact your bank or building society to check that the loan has been received. You will receive written confirmation from us when we have transferred your loan funds to your bank or building society.

Funds are transferred directly into your bank account via BACS (Banks Automated Clearing System). This is usually within three working days from receipt of your signed documentation.

Yes. You can have money in your account within 48 hours (in most cases) if you choose to use our Courier and CHAPS service. For these optional services a cost of £50 applies.

Your repayments will be monthly direct debits from your current account.

Your repayments will remain at the same rate for the term of your loan, unless you make a lump sum repayment, or fail to meet one or more payments.

Your first payment will be due on the direct debit date you select in the month after you receive your loan. However, if you have chosen the 3 month deferred start option you will not make any repayments for the first three months. We will confirm this date to you in writing.

Yes, any date between the 1st and 28th of each month.

Yes, if you would like to change the date that you make the payment, please let us know.

Of course, you can repay the full outstanding balance of the loan at any time. There’s no penalties if you choose to repay your loan early.

You should contact the Customer Service Team on 0870 010 2298 as soon as possible to avoid being charged for late payment.

If an error is made, you are guaranteed a full and immediate refund from your branch of the amount paid.

Payment Protection Insurance is designed to cover your repayments should you lose income through involuntary unemployment, accidental injury, sickness, permanent total disability or death. If you choose to take out Payment Protection Insurance with your loan, a sum will be included in your monthly repayment.

Payment Protection Insurance is available if:

• you are the first named customer in the loan agreement;
• you are aged 18 or over and not over 65 at the start of the Loan and aged under 70 at the end of the Loan;
• you are resident in the UK and working.

In the event that you lose your income through involuntary unemployment, and you have selected to take out optional Payment Protection Insurance, your monthly loan repayments could be paid from one month after you have been unemployed for 30 days and could continue for 12 months or until you return to work, whichever is shortest, and up to a maximum of £2,200 per month.

If you are unable to work for 15 or more consecutive days due to an accident or illness, and you have selected Payment Protection Insurance, you could receive a payment that is equal to your monthly loan repayment.

You could continue to receive benefit on a monthly basis for every day that you remain unable to work, until you return to work or up to a maximum of 36 monthly benefits are paid, whichever comes first, and up to a maximum of £2,200 per month.

Payment Protection Insurance means that your total outstanding balance could be paid off in the event of your death, up to a maximum of £60,000.

Benefits will only be paid in certain circumstances. The main exclusions are:

• Pre-existing medical conditions, unless you have been symptom free for 2 years prior to claim
• Normal Pregnancy
• Self inflicted injury
• Taking drugs or alcohol
• Notification of unemployment within 60 days of the start of your policy

You may cancel your policy within 30 days from the date you policy begins (or the date you receive your documents if this is later) and receive a full refund of any premium you have paid. After this you may cancel your policy at any time. Provided no benefit has been paid, you will be entitled to a refund of part of your premium, which will be paid to your loan account. The amount of the rebate depends on the term of your policy and the period of time since it has started.

All request to cancel your policy must be put in writing to Liverpool Victoria Banking Services Limited, County Gates, Bournemouth, BH1 3NQ.

The insurance is a single premium, which is added to the loan. Interest is payable on the insurance premium and included in your monthly loan repayments.

If you defer the start date of your loan, no benefits will be payable during that period. Your inability to work due to accident/sickness or unemployment will need to continue beyond the deferred start date before you will be able to claim under the policy.

No, the loan is unsecured, which means that it is not linked to an asset, such as a property or car.

Annual Percentage Rate. This is the calculation of the total cost to you of the charge for credit on the amount you have borrowed.

The APR is dependent upon the amount you borrow, your credit history and other personal details.

Nothing. Your interest rate is fixed at the start of the agreement.

Yes, a loan can be taken out in joint names.

If you are moving house or your contact numbers have changed, please contact the Customer Service Team on 0870 010 2298.

Under the deferred start option, you don’t make any repayments for the first three months. Interest will be calculated at the quoted rate for this period, and will be added to the amount advanced. You will then pay back the interest and the amount advanced over the remaining term.

Your loan term can be anything from 1 to 7 years. Spreading your repayments over a longer term will make your monthly repayments more affordable.

How you choose to spend your personal loan is up to you. Use it on a new car, make improvements to your home, to simplify your finances, it’s entirely up to you.

Apply online and we could give you a decision in minutes. What’s more, if you’re in a hurry, you can choose the CHAPS service and the money can be in your account within 24 hours†