Frequently asked Questions

Every situation is different and so is every loan. The eligibility criteria varies by lender. There are, however, standard criteria requirements that you will be expected to meet in order to apply.
- You are at least 18 years of age
- You are actively employed or have regular income
- You have a UK bank account with a debit card
- You are a UK resident with a verifiable address
TopUpFinance do not charge a fee, however, that you may be referred to a lender or a broker who charges a fee so you should check with them carefully.
We will search our panel of lenders and brokers using the information you supply when you make your application. We match this against the criteria used by lenders to accept customers. Using this information, we can match you with the provider who offers the most appropriate loan for your personal circumstances.
Once you've completed your application, we will present you with the best loan options to suit your circumstances. We like to show you the range of loan types for which you may be eligible. If your loan application is approved by one of our lenders funds can be transferred on the same day. Please note, however, that Guarantor and Logbook loans can take longer to process after approval as lenders may need to gather more information through affordability checks or valuations of vehicles. Please ask your lender directly about timescale variations.
If you are thinking of consolidating existing borrowing you should be aware that it may involve repaying a higher rate of interest, extending the terms of the debt and increasing the total amount you repay.
If you're struggling to repay your current credit commitments or you cannot get approved for a more affordable consolidation loan, we would recommend you seek independent debt advice from one of the debt charities. See www.stepchange.org and www.Nationaldebtline.org for more information
Depending on your circumstances, a loan may well be the right option. If you are already struggling to get by and using this loan to cover other debts, however, you may want to look at other non-lending solutions such as Debt Management Plans or Individual Voluntary Arrangements. We would recommend that you seek independent debt advice from one of the debt charities. See www.stepchange.org and www.Nationaldebtline.org for more information.
If you have a query or compliant regarding your loan or the loan agreement, then you should contact your lender directly. If you have a query or complaint about this website, you should use our Contact Us page. If you remain dissatisfied with our response to a complaint, you should contact the Financial Ombudsman Service. Further information is available at www.financial-ombudsman.org.uk
If your application is accepted by a lender, you will be provided with login details and instructions on how to proceed.
All applications are subject to status and checks will be undertaken. These may include credit and fraud prevention searches to find the right product for you and for your protection.
Taking out such a loan just to cover an expensive and non-essential item, or to facilitate regularly spending beyond your means on non-essential things, are not responsible forms of borrowing. The exact nature of your situation will affect the type of credit you are likely to use. A payday loan meanwhile is intended to cover urgent and essential one-time expenses, such as car repairs or unexpected costs or replacing an important appliance.
It's important to have a sense of what you are looking for, what your needs are and what kind of things you should be trying to find out as a borrower. Here are some of the consideration once you have decided to borrow money:
- Check whether you are eligible to apply for the type of credit in question if you do not in fact meet the basic eligibility requirements.
- See what information you will need when applying, and make sure this information is accurate when filling out the application form.
- Research the different options available, you should then compare the costs between different lenders for that type of credit and ensure you fully understand what all the costs will be. This includes finding out if there are any extra fees on top of the interest you will be charged on the original amount.
- Understand what impact borrowing may have on your credit history.
- Check the repayment terms of the lender you want to borrow from, including accepted methods of repayment. It's important to only take out credit which you will be able to afford the repayments on.
There are some general things we should all do to avoid scams:
- Treat all unexpected calls, emails and text messages with caution. Don't assume they're genuine, even if the person seems to know some basic information about you.
- Do not be pressured into acting quickly. A genuine bank or financial services firm won't mind waiting if you want time to think.
- Never give out your bank account or credit card details unless you are certain who you are dealing with.
- If you are buying a financial product such as a loan, insurance, investment or pension, only deal with a FCA-authorised firm - check FCA Register to see if the firm is registered. Always access the Register from FCA website, rather than through links in emails or on a firm's website (it might be part of the scam).
- Double-check the URL and contact details of a firm in case it's a 'clone firm' pretending to be a real firm, such as your bank or a genuine investment firm.
- Check the list of unauthorised firms and individuals FCA have received complaints about. If the firm isn't on that list, don't assume it's legitimate - it may not have been reported to FCA yet.
- Check your bank account and credit card statements regularly.

For more advice on the basic steps everyone should take to avoid scams, check out:
- Action Fraud
- Take 5
- Money Advice Service

If you think you have been scammed, find out how to report it to FCA.
Please be aware that fraudsters are sending scam emails using our FCA authorised firm and our office address to try to convince people to give them personal details and upfront fees to obtain loan deals.

YOU MUST NOT MAKE ANY PAYMENT or share your personal details.

ADV FINANCE LTD t/a topupfinance.co.uk is a credit broker and not a lender. Our service is entirely free of charge.
We do not charge you fees or insurance costs for the services provided and we do not require any credit/debit card details to all our clients. Any request for payment in our name is a scam, please do not pay it.

If you suspect that a clone firm or any other unauthorized firm have contacted you and tried to obtain personal details please contact the Financial Conduct Authority consumer helpline at 0800 111 6768 and contact Action Fraud on 0300 123 2040 or online via their website. If you have any questions please email us at customerservice@advfinance.uk
APR is the rate of the total charge for credit expressed as an annual percentage of the total amount of the credit. We will show you typical repayments and representative APRs but the final figures will depend on the lender, the specific terms of your loan, and your individual financial circumstances.
We are a credit broker and not a lender. With large number of lenders in the market, finding the right loan to match your circumstances can be difficult. We do the legwork for you.
A licensed loan broker is an individual or company whose function is to match lenders with those needing funds. As a credit broker we introduce you to one of our panel of lenders and brokers who, subject to approval and affordability checks, will provide you with a loan.
Auto Decisioning allows lenders to make a decision on your loan application without the need for human interaction, for more information please contact your lender or see their privacy policy.
This could happen if the information you have provided is not correct or if a lender's additional checks have shown a lower than average credit score. You may wish to contact the major credit reference agencies (Experian, Equifax or Callcredit) for additional information. There may be some anomalies on your credit report which are hindering your search for a loan.

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APR rates range from 45.3% APR to 1575% Max 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.

49.9% APR Representative (Fixed)
Representative example: Amount of credit: £1200 for 18 months at £90.46 per month. Total amount repayable of £1628.28 Interest: £428.28. Interest rate: 49.9% pa (variable). APR rates range from 45.3% APR to 1575% Max 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.

Warning: Late repayment can cause you serious money problems. For help go to moneyhelper.org.uk

Short-term loans should only be used for short-term financial needs and are not appropriate for long-term borrowing, or if you are in financial difficulty. All loan applications are subject to creditworthiness and affordability assessments. Taking out a loan involves serious obligations and you should ensure that the loans provided by our lenders are suitable for you before you apply, for more information on these loans please see our FAQ page.

*Your lender can initiate the transfer of funds into your account the same day after final approval of your loan subject to an assessment of affordability and creditworthiness. The time that it takes for cash to appear in your account will depend on your bank's policies and procedures.
**As a broker we will never ask for any fee, however, that you may be referred to a lender or a broker who charges a fee so you should check with them carefully. Please note that the lender or broker we direct you to may not offer the cheapest loan compared to the open market.

The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK only. This site is available to UK Residents only aged 18 years and over.

IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY. A SHORT TERM LOAN OFFERS A ONLY A SHORT TERM FINANCIAL SOLUTION AND SHOULD NOT BE USED AS A LONG TERM SOLUTION.
IF YOU SECURE A FINANCE OPTION AGAINST YOUR HOME OR MOTOR VEHICLE, YOUR HOME OR MOTOR VEHICLE MAY BE REPOSSESSED IF YOU DO NOT MAINTAIN YOUR REPAYMENTS. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.

TopUpFinance is a trading name of ADV FINANCE LTD and is not a lender but is a licensed credit broker, which introduces borrowers and lenders for the purposes of entering into loan agreements. Loan terms, conditions and policies vary by lender and applicant qualifications. Late or missed loan payments may be subject to increased fees and interest rates. ADV FINANCE LTD is registered in England and Wales and is registered with company number 09830846 and has its trading address at Bank Chambers, St. Petersgate, Stockport, SK1 1AR, United Kingdom and its registered at Bank Chambers, St. Petersgate, Stockport, SK1 1AR, United Kingdom.

For any communication with our business please click here or write to us at ADV FINANCE LTD t/a TopUpFinance, Bank Chambers, St. Petersgate, Stockport, SK1 1AR, United Kingdom. ADV FINANCE LTD is authorised and regulated by the Financial Conduct Authority with full permission number 726319 and with the Information Commissioner's Office with registered number ZA183838

Auto Decisioning allows lenders to make a decision on your loan application without the need for human interaction, for more information please contact your lender or see their privacy policy.

Where we pass your details on to our panel of lenders free of charge for this service and we may receive a commission from our lenders. For more information on how we handle your data, please see our Privacy Policy

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