theloanfinder.co.uk Terms & Conditions

Please ensure you read these Terms & Conditions carefully before agreeing to them. They exist to protect both you and us.
If you do not understand anything in these Terms and Conditions or require further information, please contact us at [email protected].
By using our website, you should be aware that you are fully agreeing to these terms and conditions. If you do not agree with any of the Terms and Conditions, then please do not use our website.

Licensing & Regulation
2.1 We are regulated by the Financial Conduct Authority
2.2 theloanfinder.co.uk is a trading style of LRAC Ltd is registered in England and Wales (Company number 11849937 ), with a registered office located at XL House, Mill Court, Spindle Way, Crawley, RH10 1TT . Licensed by the Information Commissioner’s Office under registration number: ZA514564. theloanfinder.co.uk is a registered trading name of LRAC Ltd, and is authorised by the Financial Conduct Authority (reference number 996318 ) as an Appointed Representative of Cobain Digital Ltd who are authorised and regulated by the Financial Conduct Authority (reference number 713027).

Our Service
3.1 We offer an online short term, payday and installment loan application service.
3.2 Through our website, you will be able to access lenders or product providers including Credit Brokers who, based upon the information you have provided, may be able to meet your borrowing requirements. Where two or more options are available, you will be “matched” with the lender with the lowest cost.
3.3 Once accepted by a lender or product provider including Credit Brokers, you will be directed towards their website. After this point, we are unable to take responsibility for any loan you do or do not take out, or any alternative solution you choose.
3.4 Any loan you take out as a result of using our service is a legal agreement between you and your lender, to which LRAC Ltd is not a party
3.5 We are a broker, NOT a lender. We do not provide credit to customers, nor are we involved in lending decisions.
3.5 Any 'example repayments' offered on our website are based on our Representative APR and are meant only as a guide. The actual rate of any loan will be down to your chosen lender.
3.6 We do not carry out any credit checks or credit scoring.
3.7 We will find you a lender or product provider based on both the information you provide and the requirements the lender or product provider including Credit Brokers has supplied. We do not promise or otherwise guarantee to find you the cheapest loan for your circumstances.
3.8 If we cannot find you a lender then we may refer you to an alternative product provider including Credit Brokers.
3.9 We do not charge the customer a fee for using our broker services, but we do receive a commission from lenders, product providers or other brokers for successful applications introduced through this website or if a customer enters into a consumer credit agreement with a lender or broker following an introduction through this website. You agree that we are entitled to retain any such commission in full.

Credit Checking
4.1 While we do not conduct any credit checks, individual lenders and finance providers within our system may use credit scoring to determine whether or not to extend credit to you.
4.2 By agreeing to our terms and conditions you are accepting that you may be credit checked by loan providers.
4.3 Details of credit checks carried out may appear on your credit file.
About You
5.1 All the information you provide when using our service must be accurate and correct to the best of your knowledge
5.2 It is illegal to provide incorrect information when applying for financial products - If you knowingly provide inaccurate details when using our service, you understand that you may be subject to a fraud investigation.
5.3 You are not guaranteed access to credit by the use of our service.
The Use of Your Details

6.1 Please read our Privacy Policy for details of how we use your Personal Data
Rights to amend
7.1 We reserve the rights to amend or withdraw our service at any time without prior notice.
7.2 We may update and change the content on the website at any time.
7.3 We may amend or update our terms and conditions at any time.

Intellectual property rights
8.1 The copyright and material on this website is owned by LRAC Ltd and is protected by the copyright laws of the United Kingdom.
8.2 All logos, names, images, and information used on our website are the property of LRAC Ltd.

1. Who we are

Welcome to theloanfinder.co.uk’s privacy notice.

Theloanfinder.co.uk is a trading style of LRAC who are registered in England and Wales (Company number 11849937), with a registered office located at Optima House, 1 Mill Court, Spindle Way, Crawley, RH10 1TT. Licensed by the information Commissioner’s Office under registration number: ZA514564. theloanfinder.co.uk is a registered trading name of LRAC Ltd, and is authorised by the Financial Conduct Authority (reference number 996318 ) as an Appointed Representative of Cobain Digital Ltd who are authorised and regulated by the Financial Conduct Authority (reference number 713027)

This privacy notice will inform you as to how we look after your personal data when you visit our website (regardless of where you visit it from) and tell you about your privacy rights and how the law protects you.

2. Important information and who we are Purpose of this privacy notice

We may obtain information from you through our websites, mobile applications or other similar devices, channels, or applications. We may also be sent your information by lenders or other credit brokers to whom you have given your consent for them to do so. A list of the third party partners we work is:

Affiliate ROI LLC, Evergreen Finance London Ltd, Interlincx, Lead Byte LTD, Gain Credit LLC, Loans 2 Go Ltd, Mediablanket Ltd, Mindflow Marketing Ltd, Monevo Limited, My Finance Club Limited, Nouveau Finance Ltd (pingyo), RSDatatech Ltd, PDL Finance Limited, Serpable Ltd, Shelby Finance Ltd, Stagemount Limited, Stop Go Networks Ltd, TFLI Limited, Gracombex Ltd, Quidie Limited , Tiger Lion Financial Limited, Duke LeadsFZCO, Inclusive Finance Ltd t/a Credit Spring, Fuel Ltd, Western Circle Ltd, Lead Affinity, The One Stop Money Shop Ltd, Warwick Financial Services ltd, Choose Wisely Limited, Savvy Loan Products Ltd, Salad Finance Limited, MTA Marketing, Leadtree Global Ltd, Jump Finance Ltd, Fizzyy Ltd, mylenders.co.uk, Debt Advisory Help ltd, Scoresmatter Ltd, Everything Financial Ltd,TM Advances, TWIBLI ltd, Valour Finance Limited and Express Finance Limited.

Controller

LRAC Limited is the controller and responsible for your personal data (collectively referred to as “LRAC”, “we”, “us” or “our” in this privacy notice).

We have appointed a data protection officer (DPO) who is responsible for overseeing questions in relation to this privacy notice. If you have any questions about this privacy notice, including any requests to exercise your legal rights, please contact the DPO by emailing [email protected]

You have the right to make a complaint at any time to the Information Commissioner’s Office (ICO), the UK supervisory authority for data protection issues (www.ico.org.uk). We would, however, appreciate the chance to deal with your concerns before you approach the ICO so please contact us in the first instance.

Changes to the privacy notice and your duty to inform us of changes

This version was last updated On 18th February 2024.
It is important that the personal data we hold about you is accurate and current. Please keep us informed if your personal data changes during your relationship with us.

Third-party links

This website may include links to third-party websites, plug-ins and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy notices. When you leave our website, we encourage you to read the privacy notice of every website you visit.

The data we collect about you

Personal data, or personal information, means any information about an individual from which that person can be identified. It does not include data where the identity has been removed (anonymous data).

We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:

• Identity Data includes first name, last name, marital status, number of dependents, title, date of birth and gender.
• Contact Data includes address, email address and telephone numbers.
• Financial Data includes bank account and payment card details, employer name and industry, time at employer, net monthly income (which may include details of any benefits you receive), pay frequency, pay dates, and expenses details.
• Transaction Data includes details about your requests for offers of credit from our trusted third party partners.
• Technical Data includes internet protocol (IP) address, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform and other technology on the devices you use to access this website.
• Profile Data includes your requests for offers of credit from our trusted third party partners, preferences and feedback.
• Usage Data includes information about how you use our website, products and services.

We also collect, use and share Aggregated Data such as statistical or demographic data for any purpose. Aggregated Data may be derived from your personal data, but is not considered personal data in law as this data does not directly or indirectly reveal your identity. For example, we may aggregate your Usage Data to calculate the percentage of users accessing a specific website feature. However, if we combine or connect Aggregated Data with your personal data so that it can directly or indirectly identify you, we treat the combined data as personal data which will be used in accordance with this privacy notice.

We do not collect any Special Categories of Personal Data about you (this includes details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health and genetic and biometric data). However, we do recognise that details of any benefits you may receive could lead to inferences about your health being made. We do not collect any information about criminal convictions and offences.

If you fail to provide personal data

Where we need to collect personal data by law, or under the terms of a contract we have with you and you fail to provide that data when requested, we will not be able to perform the contract we have or are trying to enter into with you (for example, to process a request for an offer of credit from our trusted third party partners).

3. How is your personal data collected?

We use different methods to collect data from and about you including through:

• Direct interactions. You may give us your Identity, Contact and Financial Data by filling in forms or by corresponding with us by post, phone, email or otherwise. This includes personal data you provide when you:
  1. – request an offer of credit from our trusted third party partners;
  2. – request marketing to be sent to you;
  3. – give us feedback.
• Automated technologies or interactions. As you interact with our website, we may automatically collect Technical Data about your equipment, browsing actions and patterns. We collect this personal data by using cookies, server logs and other similar technologies. We may also receive Technical Data about you if you visit other websites employing our cookies. Please see our cookie policy below for further details.
• Third party sources. We may receive personal data about you from various third parties as set out below:
  – Technical Data from the following parties:
  1. analytics providers such as Google based outside the UK;
  2. advertising networks based inside and outside the UK; and
  3. information processing providers based outside the UK.
  4. Social Media Platforms such as Facebook, Instagram and TikTok, based outside the UK;

  – Identity and Contact Data from data brokers or aggregators based inside and outside the UK.
  – Trusted affiliate websites, networks and third party partners.

4. How we use your personal data

Under data protection laws we are permitted to share some information where the reason for doing so is legitimate and isn’t outweighed by the effects it will have on the relevant individuals.

We will only use your personal data when the law allows us to.

Most commonly, we will use your personal data in the following circumstances:

• Where we need to perform the contract we are about to enter into or have entered into with you.
• Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.
• Where we need to comply with a legal or regulatory obligation.

Generally we do not rely on consent as a legal basis for processing your personal data other than in relation to sending third party direct marketing communications to you via email or SMS. You have the right to withdraw consent to marketing at any time by emailing us at [email protected]

Purposes for which we will use your personal data

We have set out below, in a table format, a description of all the ways we plan to use your personal data, and which of the legal bases we rely on to do so. We have also identified what our legitimate interests are where appropriate.

Note that we may process your personal data for more than one lawful ground depending on the specific purpose for which we are using your data.

5. Disclosures of your personal data

We may have to share your personal data with the parties set out below for the purposes set out in the table in paragraph 4 above.

– Internal Third Parties as set out in the Glossary.

– External Third Parties as set out in the Glossary.

Third parties to whom we may choose to sell, transfer, or merge parts of our business or our assets. Alternatively, we may seek to acquire other businesses or merge with them. If a change happens to our business, then the new owners may use your personal data in the same way as set out in this privacy notice.

We require all third parties to respect the security of your personal data and to treat it in accordance with the law. We do not allow our third-party service providers to use your personal data for their own purposes and only permit them to process your personal data for specified purposes and in accordance with our instructions.

6. Data profiling and decision making

We do not use your personal data to make automated decisions about you or to profile you. However, our platform uses software to automate the order in which your personal data is passed to our third party lenders and partners.

We provide data that may help third party lenders and partners make decisions about lending and other matters (such as preventing fraud or protecting consumers), but their own data, knowledge, processes and practices will also generally play a significant role in their decisions – and those decisions will always be for them to make.

For example, we do not decide whether you should be granted credit or a loan – this is for the lender to decide. However, they will ultimately decide how to act upon that information, considering their legal and regulatory obligations.

7. International transfers

Some of our external third parties are based outside the United Kingdom (UK) so their processing of your personal data will involve a transfer of data outside the UK.

Whenever we transfer your personal data out of the UK, we ensure a similar degree of protection is afforded to it by using specific contractual clauses which give personal data the same protection it has in the UK.

Please email [email protected] you want further information on the specific mechanism used by us when transferring your personal data out of the UK.

8. Data security

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other service providers who have a business need to know. They will only process your personal data on our instructions, and they are subject to a duty of confidentiality.

We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.

9. Data retention
How long will you use my personal data for?

We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements.

To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements.

10. Your legal rights

Under certain circumstances, you have rights under data protection laws in relation to your personal data. These rights are listed and described below:

• Request access to your personal data (commonly known as a “data subject access request”). This enables you to receive a copy of the personal data we hold about you and to check that we are lawfully processing it.
• Request correction of the personal data that we hold about you. This enables you to have any incomplete or inaccurate data we hold about you corrected, though we may need to verify the accuracy of the new data you provide to us.
• Request erasure of your personal data. This enables you to ask us to delete or remove personal data where there is no good reason for us continuing to process it. You also have the right to ask us to delete or remove your personal data where you have successfully exercised your right to object to processing (see below), where we may have processed your information unlawfully or where we are required to erase your personal data to comply with local law. Note, however, that we may not always be able to comply with your request of erasure for specific legal reasons which will be notified to you, if applicable, at the time of your request.
• Object to processing of your personal data where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground as you feel it impacts on your fundamental rights and freedoms. You also have the right to object where we are processing your personal data for direct marketing purposes. In some cases, we may demonstrate that we have compelling legitimate grounds to process your information which override your rights and freedoms.
• Request restriction of processing of your personal data. This enables you to ask us to suspend the processing of your personal data in the following scenarios: (a) if you want us to establish the data’s accuracy; (b) where our use of the data is unlawful but you do not want us to erase it;(c) where you need us to hold the data even if we no longer require it as you need it to establish, exercise or defend legal claims; or (d) you have objected to our use of your data, but we need to verify whether we have overriding legitimate grounds to use it.
• Request the transfer of your personal data to you or to a third party. We will provide to you, or a third party you have chosen, your personal data in a structured, commonly used, machine-readable format. Note that this right only applies to automated information which you initially provided consent for us to use or where we used the information to perform a contract with you.
• Withdraw consent at any time where we are relying on consent to process your personal data. However, this will not affect the lawfulness of any processing carried out before you withdraw your consent. If you withdraw your consent, we may not be able to provide certain products or services to you. We will advise you if this is the case at the time you withdraw your consent.

If you wish to exercise any of the rights set out above, please email [email protected]

No fee usually required

You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we may refuse to comply with your request in these circumstances.

What we may need from you

We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.

Time limit to respond

We try to respond to all legitimate requests within one month. Occasionally it may take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.

11. Glossary

LAWFUL BASIS

• Legitimate Interest means the interest of our business in conducting and managing our business to enable us to give you the best service/product and the best and most secure experience. We make sure we consider and balance any potential impact on you (both positive and negative) and your rights before we process your personal data for our legitimate interests. We do not use your personal data for activities where our interests are overridden by the impact on you (unless we have your consent or are otherwise required or permitted to by law).
  You can obtain further information about how we assess our legitimate interests against any potential impact on you in respect of specific activities by contacting us.
• Performance of Contract means processing your data where it is necessary for the performance of a contract to which you are a party or to take steps at your request before entering into such a contract.
• Comply with a legal or regulatory obligation means processing your personal data where it is necessary for compliance with a legal or regulatory obligation that we are subject to.

THIRD PARTIES

1. 1. • External Third Parties

– Service providers acting as processors based in the EEA, the United Kingdom and the United States who provide IT and system administration services.

– Professional advisers acting as processors or joint controllers including lawyers, bankers, auditors and insurers based in the United Kingdom and the United States who provide consultancy, banking, legal, insurance and accounting services.

– HM Revenue & Customs, regulators and other authorities acting as processors or joint controllers based in the United Kingdom who may require reporting of processing activities in certain circumstances.- Google, Linkedin, Facebook to enhance targeting / exclusions from advertising.

– Our network of trusted third party affiliate websites, third party affiliate networks, third party digital marketers, and third party lenders acting as controllers.

This website is not intended for children, and we do not knowingly collect data relating to children;

– Third parties for the purpose of analysing, modelling and contact for purposes including affordability assessments, anti-money laundering, asset repatriation, contact information validation, credit risk and affordability assessments, debt collection services, determining debt portfolio value, fraud prevention services, identity verification services, pre-populating online forms, vulnerability assessments and other related services.

Complaints Procedure

We pride ourselves on our excellent standard of customer service and go to every length to ensure that our customers are satisfied.

However, if you would like to make a complaint, please do not hesitate to contact us. Our dedicated team will resolve your complaint as quickly as possible, following the procedure outlined below:

Once we’ve received your complaint, we will aim to resolve it within three working days. If you call us to discuss your complaint, we will try to resolve the matter on the same call and then write to you to check you’re happy with the resolution.

If, for any reason, we’re unable to resolve your complaint by the end of the third working day, we will write to you within 5 working days of receiving your complaint to acknowledge that we have received it.

We will write to you with a Final Response within 28 days of receiving the complaint.

If, for any reason, we are unable to do this, we will provide a written update.

We will then write to you with a Final Response within 56 days of the date of the complaint.

If, for any reason, we are unable to do this, we will provide a further written update. At this point, if you are unhappy with our response, you can take the complaint to the Financial Ombudsman Service.

How do I pass my complaint to the Financial Ombudsman Service?

The FOS’ details are:

Financial Ombudsman Service
Exchange Tower
London

E14 9SR
Website: www.financial-ombudsman.org.uk
Email: [email protected]
Phone: 0800 023 4567 or 0300 123 9123

If you do not want to complain to the FOS, and wish to complain online, you can do so via the Online Dispute Resolution Platform - http://ec.europa.eu/consumers/odr/

Cookies Policy

Last Reviewed 18th February 2024

At theloanfinder.co.uk, we use cookies to enhance your browsing experience and to personalize the content and advertisements we show you. This Cookie Policy explains what cookies are, how we use them on our website, and how you can manage them.

A cookie is a small text file that a website saves on your computer or mobile device when you visit the site. It enables the website to remember your actions and preferences (such as login, language, font size and other display preferences) over a period of time, so you don't have to keep re-entering them whenever you come back to the site or browse from one page to another.

We use the following types of cookies on our website:

• Essential cookies: These are necessary for the website to function and cannot be switched off in our systems. They are usually only set in response to actions made by you which amount to a request for services, such as setting your privacy preferences, logging in or filling in forms. You can set your browser to block or alert you about these cookies, but some parts of the site may not work.
• Performance cookies: These cookies allow us to count visits and traffic sources, so we can measure and improve the performance of our site. They help us to know which pages are the most and least popular and see how visitors move around the site.
• Functionality cookies: These cookies enable the website to provide enhanced functionality and personalization. They may be set by us or by third party providers whose services we have added to our pages. If you do not allow these cookies, then some or all of these services may not function properly.
• Advertising cookies: These cookies are used to make advertising messages more relevant to you and your interests. They also perform functions like preventing the same ad from continuously reappearing, ensuring that ads are properly displayed for advertisers, and in some cases selecting advertisements that are based on your interests.
  Specifically, we use the following cookies on our website:
• __cfruid: This cookie is set by Cloudflare and is used to identify individual clients behind a shared IP address and apply security settings on a per-client basis.
• _GRECAPTCHA: This cookie is set by Google reCAPTCHA and is used to prevent spam and abuse on our website.
• _ga: This cookie is set by Google Analytics and is used to distinguish unique users by assigning a randomly generated number as a client identifier.
• _gid: This cookie is set by Google Analytics and is used to distinguish unique users by assigning a randomly generated number as a client identifier.
• _gat: This cookie is set by Google Analytics and is used to throttle the request rate. You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.

We may update this cookie policy from time to time in order to reflect, for example, changes to the cookies we use or for other operational, legal or regulatory reasons.

If you have any questions or concerns about our use of cookies, please contact us at [email protected]