Advantage Loans is a trading name of Loans 2 Go Limited; established over 20 years, we are an industry leader in the provision of alternative, affordable personal loans. Loans 2 Go continues to develop innovative approaches to lending, customer service and account management.
We provide loans with flexible terms to those seeking to find an alternative to more traditional forms of credit.
At the heart of everything we do is our passion to put our customers first. We believe in treating people fairly and with transparency.
We want to provide you with clear and accurate information that will help you make the best financial decisions for your circumstances.
We also understand that many people find the financial world stressful and even intimidating. We want to change all that and provide the help and assistance you need during every part of the loan process.
We promise to all our customers:
- We will ensure that you understand and are comfortable about the terms of your loan agreement before we ask you to sign anything.
- We will always answer any questions you have at any stage of the process. No question is too small.
- We are a responsible lender and will help you to ensure that your loan repayments are affordable within your budget.
- We treat every case on its merit. We don’t rely on credit checks and computer algorithms to make lending decisions. We are human and treat our customers the way we would like to be treated.
- We understand that life happens and circumstances may change. If that leads to you having difficulty making your loan repayments, we will always do our best to work with you to find a solution.
- We take customer feedback very seriously and are always ready to help resolve any complaints about our products and services. Where possible, we will put things right. If you are not satisfied, we are not satisfied.
You can expect the following benefits when you take out an Advantage loan with Loans 2 Go:
The product is simple and straightforward: our Advantage loan carries a monthly interest rate of 12.3%; representative 499% APR.
Online applications: No cumbersome paperwork or stressful interviews. With Loans 2 Go you can apply for your loan from the comfort of your own home.
Fast response: We aim to deal with your completed application as quickly as we can. We will give you an instant decision and, if your application is approved, the money within 15 minutes.
Clear information: We will provide you with full details of your loan and repayments before the loan goes ahead. There are no charges for setting up the loan and no hidden charges once it is up and running.
Flexible repayment options: You can repay your loan on a weekly, fortnightly or monthly basis. We accept payment from your debit card, either using Continuous Payment Authority (CPA) repayments or via our online payment portal.
Loan duration: The usual loan duration for our Advantage loan is 24 months but you can repay all or part of your loan early if you want to. There is no charge for doing this, and you would then only pay interest for the time you actually had the loan.
Regulation: We are fully authorised and regulated by the FCA (Financial Conduct Authority), and are also members of the CCTA (Consumer Credit Trade Association). Internally, our dedicated Compliance team is there to ensure that external regulations are met and that we are consistently fair and transparent to our valued customers.
We hold the well-being of our customers at the heart of our business.
We make sure the terms of your agreement are shown in full when you apply for a loan. We will also ensure that you are able to afford and pay your instalments. You can also contact us with any questions before you sign the loan agreement.
We are fully authorised and regulated by the Financial Conduct Authority, and are proud members of the CCTA abiding by their Bills of Sale Code of Practice.
We also have a dedicated Compliance team, who work hard to ensure that the Loans 2 Go product is designed to meet the needs of our customer.
If you need help financially, you can be confident that the fair treatment of customers is central to what we’re trying to achieve at Loans 2 Go and we will continue to build our corporate culture around this ethos.