That’s Great! It’s a very simple process from here on out.  All you have to do is read the terms and conditions and complete and sign the Credit Agreement Form and Direct Debit mandate.  Also, your guarantor needs to read the terms and conditions and must complete the Guarantee & Indemnity Form and Direct Debit mandate.  Once these are done you can either post, e-mail or fax them back to us.
 
As soon as we receive your application we will send you a text message, which will provide you with log-in details for the “My Account” section of our website.  From here you can track the progress of your application on-line.
 

As soon as we receive your completed application forms, we process them and aim to pay out your loan within 24 hours*

* The amount of credit can either be paid by BACS (3-5 working days pay out) or CHAPS (within 24 hours).  Payment by CHAPS is optional.  If you do instruct us to pay by CHAPS, an administration fee of £30 will be deducted from your cash advance
 

Credit Agreements received by post will normally be dealt with within 24 hours of being received. If you are accepted your case worker will normally also contact you by telephone, text or email to introduce themselves. FLM loans customers are able to view and manage their accounts online in the secure My Account area.

Depending on your circumstances we can lend anything from £500 to £3,000.

All applications are individually considered. The amount that we have offered will be the largest amount that we feel we can lend you at this time; however once you have made repayments for a number of months we can re-consider your credit limit and top up your loan.

We consider all applicants regardless of their credit history. However in all cases we require a guarantor to back your application.

Yes, you may settle the agreement at anytime. We do not impose penalties for this unlike a number of other loan companies.

If you have received confirmation that your loan is with a caseworker please contact your caseworker on their direct number. If you do not yet have a caseworker or you have lost your caseworkers telephone number please contact the broker who introduced you to us as they will have the appropriate details.

Unlike almost all other lenders FLM Loans are completely flexible about this issue. You can make overpayments and then either reduce your payment period or skip payments in the future. The only thing we insist on is that you make at least the normal monthly payment agreed to on your application form. For example if your repayments are £100 a month but in one month you overpay and pay off £300 you could then either skip the next two months or reduce your loan term.

We recommend that applicants protect their income in order to be able to make payments in the event of unemployment, sickness or injury. To arrange cover please call Payment Guard on 0800 408 2248 or visit their web site at www.paymentguard.org.uk.

See the contact us page.

At FLM Loans we currently only offer guarantor loans. As long as you keep to the agreed repayment schedule, your guarantor should not be required to do anything more than sign the initial agreement form and speak to us prior to the loan being paid out to confirm their details.

We currently use debit cards in some cases to collect repayments. This is the fastest and easiest way for us to collect money from our customers and provides more security for you.

That’s not a problem. With the correct documentation and permission you can use your guarantor’s debit card.

FLM & FLM Loans are trading names of Financial Processing UK Ltd, registered as a company in England and Wales with number 4841153 and registered office at Walton House, 56-58 Richmond Hill, Bournemouth, BH2 6EX. Licensed under the Consumer Credit Act 1974 by the Office of Fair Trading with license number 557709. Registered with the Information Commissioners Office with registration number Z8738456

If your uploading the credit agreement thats fine please ensure it's clear. If you're sending back the original documents by post that's fine we will send you a copy of the agreement once the loan has been paid out. We cannot take responsibility for any items that go missing in the post.

01202 297824

FLM Loans
Walton House
Richmond Hill
Bournemouth
Dorset
BH2 6EX

FLM Loans
PO Box 6547
Bournemouth
BH1 9GF