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?