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Before you apply
How much can I borrow?
I have a poor credit rating – can I apply?
Will applying affect my credit file?
Do you charge an arrangement fee?
Do I need to be a homeowner to apply for a Finio Loan?
Are there other ways we can help?
Applying for a Finio Loan
How do I apply for a Finio Loan?
What information do I need to apply for a loan?
Why am I being asked to log into my bank account?
Why have I been asked to prove my income?
Paylink Debt Consolidation Loans
What is a debt consolidation loan?
How do Debt Consolidation Loans work?
Who are Paylink?
I have a debt consolidation loan application in flight, should I pay my existing payments to existing lenders?
What happens if I change my mind?
Does paying off a loan early affect my credit score?
Why do I need to link my bank account?
What is Open Banking?
What happens if I can't find my bank on the Open Banking list?
Do I have to agree to Open Banking to apply for a loan?
What information will you be able to see?
Who can see my login information and is it safe?
Completing your application
I can’t upload my documents
Why have I been asked to submit additional documentation as part of my application?
Next steps
What happens after I’ve submitted my application?
How do I cancel my application?
When do I get my money?
What documentation will I receive?