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How it works
Vol. I · § The process
The same five-stage process leads to either of our two products — an interest-free loan up to £50,000 or non-repayable financial support up to £10,000. Each stage ends with a written confirmation, so you always know where your application sits.
Typical end-to-end: 10–14 working days
§ I · The five stages
01
About 20 minutes · Online or by phone
Tell us who you are, what you need, and roughly your situation. There is no credit check at this stage. If filling forms is hard for you, a caseworker will complete it with you over the phone.
You will need
02
Within 5 working days
A caseworker reads your application carefully and checks UK residency, basic eligibility, and whether what you are asking for is something we can help with. You will hear from us either way.
03
By email · Usually within 2 working days
We email you with anything we need to clarify — a closer look at a document, a follow-up question, or a suggestion to use free debt advice alongside our support if it would help. Reply when you can. No phone call or appointment is required unless you specifically ask for one.
How verification feels
Calm, written, and on your own time. A named caseworker emails you with any follow-up — never an algorithm. Reply when you're ready; a friend, family member or advocate can help you compose yours if that's easier.
04
Decision in 2 working days
If approved, you receive a clear, written agreement: the amount, repayment schedule, and confirmation in writing that there is no interest, no fees and no charges of any kind.
05
Repayment terms 6–36 months
Funds are usually with you within 3 working days of signing. Repay by standing order in amounts that suit your budget. If your circumstances change, you talk to us — we pause, never penalise.
If your circumstances change
Email or call us as soon as you can. We pause repayments on request. We do not charge missed-payment fees. We do not use debt collectors. We will work with you.
§ II · Eligibility
You qualify if…
What we cannot fund
We do not require employment, a credit history, or an active current account at any particular bank. Asylum seekers, refugees, and individuals with No Recourse to Public Funds (NRPF) are welcome to apply — we will discuss what evidence we can accept on a case-by-case basis.
§ III · The honest bit
Most repayments come through without incident. When they do not, the cause is almost always a change in circumstances — job loss, illness, bereavement, a new caring responsibility. Our response is simple and unchanging:
These principles are codified in our loan agreement — not just policy. They cannot be changed for an individual case.
§ IV · Common questions