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Responsible Lending


At one2oneLoans™ we endeavour to follow responsible lending practices:

We will not encourage customers to take out a loan if we feel this is not the right product for them-

• We will not target people who are in debt or in financial problems
• We will not encourage people to borrow more than they can afford to repay
• We will not charge our customers any fees at all, instead collecting our
  revenue from the lenders themselves.

On top of that we also:

• Aim make a clear understanding of the service we provide
• We follow legal and ethical marketing practices

If you feel we are not living up to these standards, please contact us and let us know.

Take a serious look at your monthly incomings and outgoings before applying for a homeowner loan. If you can’t afford one, it could end up being far more expensive then you first thought.

Missed payments
It’s entirely possible that you’ll be expected to pay an extra charge if you miss a payment. It’s almost certain that you’ll need to pay further interest on the amount you already owe. This is further interest on the entire loan amount owed to that point, not just the original amount you borrowed. We always recommend repaying on time.

Rolling over payments
It may be possible to ‘roll over’ payments. The interest on this will likely be the same as on missed payments, however it may help you avoid penalty charges. We always recommend repaying on time.

Repeated loans
If you find that you are repeatedly taking out payday loans (especially if you are constantly increasing the amounts), then you may be misusing them. Please consider independent advice and taking a serious look at your budget. There are companies who specialise in Payday Loan debt solutions but please contact us if you need help.

Short term loans
If you’re borrowing repeatedly to cover bills, you may have longer term debt problems than can be dealt with by using payday loans. Payday loans can be a great short-term solution, but they may not help with a long term debt problem. Try unsecured/secured loans if you are constantly taking out Payday Loans in order to pay your bills. Our service is designed to put you in control of your cashflow. We allow you to get access to funds quickly, sort out your problems and repay the loan as quickly as possible, helping you to avoid getting tangled up in long term debt which can strangle your finances for years.

Flexible loan
Our lenders enable you to choose exactly how much money you want to borrow and for exactly how long. We don’t force you to borrow a fixed sum you might not need, nor do you accrue interest for longer than necessary. The amount you apply for and the length of the loan naturally affect the cost of repayment too, so you can make adjustments until you’re happy with all elements of your application.

Transparent service
There are no gotcha’s, mountains of legal gobble-de-gook, traps or a-ha moments. It’s all on the website, nice and clear, our lenders supply fast homeowner loans, they’d like you to repay it at a pace that suits you, allowing you to happily go about your life.

Are you committed to responsible borrowing?
Applying for any form of credit isn’t a decision to be taken lightly. Please remember that if your homeowner loan application is approved, it becomes a two-way street and you’ll need to keep a serious promise. We want our relationship to be a happy and trusting one, so we lay out the facts as clearly as possible. Only you can decide whether to apply or not, however, so please only do so if you’re confident you’ll have the funds to comfortably make the repayment on your chosen loan.


one2one Loans is a licensed credit broker and not a bank. We do not charge customers a fee for using our broker services.


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one2one Loans, Kemp House, 160 City Road, London, Greater London, EC1V 2NX. Fax 0700 593 8779

one2one Loans is a trading style of OBI Finance Limited, Registered in England and Wales, Company Number: 09949399

one2one Loans is a trading style of OBI Finance Limited. OBI Finance Limited is a credit broker which is
authorised and regulated by the Financial Conduct Authority under Firm reference number 734768.

You can confirm our registration on the FCA’s website www.fca.org.uk or by contacting the FCA on 0800 111 6768

one2oneLoans.com is Licenced by the Information Commissioners Office registration number: ZA187938