Overview: You are free to settle your loan early, if you wish, without penalty. They will consider your loan application under any circumstances, whether you are self employed, have no proof of income or a poor credit history, and even if you have defaults or a negative amount of equity in your home. To determine how much you can borrow, they will consider your available monthly income and any equity in your property. In addition to loans, they offer and recommend insurance on the loans in the form of optional accident, sickness and redundancy cover. If they contact your employer or bank, they explain why and get your consent first.

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