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Terms and Conditions

Please read the details set out below carefully before using this website ("our Site"). By accessing our Site, you agree to accept and act in accordance with the following terms and conditions (the "Terms"). If you do not accept these Terms, please refrain from using our Site.

References to 'you', 'your' and 'yours' are references to the person(s) accessing our Site and the party/ies represented by such person(s).

References to 'we', 'us' and 'our' are references to one2oneLoans.com

Use of Information

By checking the box and clicking the 'Submit Application' button you are agreeing that a credit search may be undertaken for the purposes of verifying identity and the details submitted, in line with regulatory requirements.

You are also agreeing that your information may be shared with third parties and you may be contacted by email, post, phone and SMS with regards to alternative Unsecured/Secured Loans, Short Term Loan offers, IVA/Debt Solutions, Car Finance and Business Loans.

Neither the information, nor any opinion contained in our Site constitutes an offer or recommendation to enter into any financial transaction. Before making any decision or taking any action that might affect your personal finances or business, you should always consult a suitably qualified professional advisor. The contents of any materials posted on this Site are for information purposes only and do not constitute investment, financial or professional advice and no reliance should be placed on them. Any figures shown on this Site are subject to change

Information about us

Any information that you provide on this website is controlled by the one2oneLoans.com which is registered as a data controller with the Information Commissioner's Office in the United Kingdom under reference: Z8061732.

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

OBI Finance Limited is a credit broker which is authorised and regulated by the Financial Conduct Authority under Firm reference number 734768

If you have any queries about the information We hold about you, please contact us at- support @ one2oneloans.com

All our products and services are subject to the terms and conditions of the applicable agreement governing their use.

Accessing our Site

Access to our Site is permitted on a temporary basis and we reserve the right to withdraw or amend the service we provide on our Site without notice. From time to time we may restrict access to some parts of our Site, or our entire Site, to users who have registered with us.


Our Site and the information contained within it is intended for those who access it from the United Kingdom. If you are viewing our Site from outside the United Kingdom you should note that the information contained within it may not be appropriate for use in other places and may not comply with the laws of any territory outside the United Kingdom. If you choose to access our Site from a country other than the United Kingdom you do so at your own risk and you are responsible for compliance with local laws. You are wholly responsible for your own use of our Site and the use of our Site by any person using your computer and you must ensure that any such person complies with these Terms.

To register with our lenders you must be over eighteen (18) years of age. You must ensure that the details provided by you on completion of our application form are correct and complete. You must inform us immediately of any changes to the information that you provided when registering by updating your personal details.

Our Site changes regularly

We are constantly changing and improving our services. We may add or remove functionalities or features and we may suspend or stop a service altogether. We aim to update our Site regularly and may change the content at any time. Any of the material on our Site may be out of date at any given time and we are under no obligation to update such material.

Our liability

These provisions should be read carefully as they exclude or limit our legal liability in connection with your use of our Site. Nothing in these Terms shall exclude liability that is not permissible under applicable law, including without limitation, for death or personal injury, or for fraudulent misrepresentation. These Terms do not apply to or affect our liability to you in respect of any product or service you may obtain from us using our Site and our liability to you in respect of such product or service is governed by the relevant set of terms and conditions applicable to such product or service. Whilst we have taken reasonable steps to ensure the accuracy and completeness of the information contained in our Site we accept no responsibility for your use of or inability to use or the results of your use of our Site nor for any errors or omissions contained in our Site nor if our Site is unavailable for any time or any period. We provide the Site"as is". The use of our Site and the materials contained in it are entirely at your own risk.

We shall not be responsible for any direct or indirect:
•financial losses (including without limitation loss of income, revenues, data, profits, contracts, use, opportunity, business or anticipated savings);
•loss of goodwill or reputation;
•any loss or damage we could not reasonably have expected to foresee or reasonably have expected to occur,
•which you may suffer and which arises out of or in connection with any errors or omissions contained in our Site or your use of or access to our Site or your inability to use or the results of your use of our Site.

We shall not be responsible for the accuracy, functionality or performance of any third party software that may be used in connection with our site.

Third party websites

Links contained in our Site might lead to other websites not under our control, and we shall not be responsible for the content, privacy practices, availability or use which you make of any linked site which is not operated by us or any link contained in a linked site not operated by us. Links on our Site are provided to you only as a convenience and we do not endorse or review any pages linked to our Site. Accordingly, you should read the terms and conditions of linked websites before using them and direct any questions or comments about the linked website's contents to the relevant website provider. You are not entitled (nor will you assist others)to set up links from your own websites to our Site (whether by hypertext linking, deep-linking, framing, toggling or otherwise) without our prior written consent, which we may grant or withhold at our absolute discretion. You are also not entitled to direct link (also known as "Hot Link") any images or content without our prior written authorisation.

Transmission of information is at your risk

We cannot guarantee that the transmission of information or messages sent over the internet is completely secure as there is a possibility of interception at all times. Any transmission is at your own risk. We shall not be responsible for any loss, damages or costs whatsoever which you suffer or incur in connection with or arising out of any transmission of information or message sent by you to us or by us to you over the internet or the alteration, interception or misuse of such information. Once we have received your information or message we will use strict procedures and security features to try to prevent unauthorised access. It is your responsibility to keep security information, such as PIN numbers or passwords, secure at all times. We will never ask you for this information and you should not disclose it to any third parties. If you receive any email or other request for such information you should delete it immediately and should not respond. If you think you may have disclosed any security information you must advise us immediately.

Viruses, Hacking and Other Offences

You must not misuse our Site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Site, the server on which our Site is stored or any server, computer or database connected to our Site. You must not attack our Site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence. We will report any such breach to the relevant law enforcement authorities and will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Site will cease immediately. We will not be responsible for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our Site or to your downloading of any material posted on it, or on any website linked to it.

Intellectual Property

All copyright, trademarks, logos, brands and all other intellectual property rights in our Site and its content (including without limitation the pages, screens, information and material) and all software and source codes connected with our Site are owned by or licensed to one2oneLoans.com unless otherwise noted. You may print, copy, download or temporarily store extracts from our Site for your personal information or when you use our products and services. You must not alter anything. Any other use is prohibited unless you first get our written permission. You may not republish, retransmit, redistribute, sell, modify or deal in any way with or otherwise make such information or pages available to any other party or available on any website, on-line service or bulletin board of your own or of any other party or make the same available in hard copy or on any other media without our express prior written consent.

Other than as provided above you may not use or reproduce our trademarks, logos or brand names.

Governing law and disputes

These Terms and any dispute or claim arising out of or in connection with them or your use of our Site (including non-contractual disputes or claims) are governed by and interpreted in accordance with the laws of England. The English courts will have non-exclusive jurisdiction over any dispute or claim arising from or related to these Terms or your use of our Site (including non-contractual disputes or claims) provided always that you may bring any proceedings in your country of residence.

Information about you and your visits to our Site

Please read our privacy policy for information on how we collect and use your personal information.

How to contact us

If you would like further information in connection with anything on our Site or want to make a complaint, please contact us at-
support @ one2oneloans.com

Complaints Procedure

We value all of our Customers and we always aim to give our Customers the best possible service.

If you feel that we haven't done this, or if you would like to complain about the service you've received, or for any other reason, we'd welcome the opportunity to make things right.

In the first instance, please email us at-  Complaints @ one2oneLoans.com and we promise that we will do our best to help.

Alternatively, you can write us at the below address-

one2one Loans
Kemp House
160 City Road
Greater London

Or send a fax-  0700 593 8779

To help us to investigate and resolve your concerns as quickly as possible, you should in the first instance discuss the situation with your Adviser or Processor.
It will help us to deal with your complaint quickly if you can provide the following information:

* your full name and address and a daytime contact telephone number
* full details of your complaint
* your account details and any policy numbers as relevant
* details of what you would like us to do to put things right

1. We will try to resolve your complaint immediately; however, sometimes this may not be possible. If we are unable to resolve your complaint by the end of the next business day, we will acknowledge your complaint in writing within five working days and provide details of the person who will be dealing with your complaint.

2. We may ask you for further information to allow us to better understand your concerns. Once we have completed our investigation we will tell you our findings and, if appropriate, how we will put things right.

3. If we are unable to send a final response to your complaint within four weeks we will write to you or telephone you explaining why we have not yet resolved the complaint and indicating when we will contact you further. If your complaint is particularly complicated, we will keep you informed of the progress of our investigations.

4. If we are unable to provide a final response within eight weeks, we will confirm this in writing and provide a timescale within which you can expect a final response. If, at this time, you are dissatisfied with the delay, you may refer your complaint to the Financial Ombudsman Service.

The Financial Ombudsman Service

If you are not satisfied with our final response, you have the right to complain to the Financial Ombudsman Service, their contact details are below. You must do this within six months of our final response.

When we send you our final response, we will also provide you with a copy of the Financial Ombudsman Service's explanatory guide. Alternatively, you can obtain a copy from:

Financial Ombudsman Service, Exchange Tower, London E14 9SR


Or by Calling: 0800 023 4 567 - calls to this number are now free on mobile phones and landlines

Or 0300 123 9 123 - calls are charged at the same rates as 01/02 numbers on mobile tariffs
Or +44 20 7964 0500 if you are calling from outside the UK

European Online Dispute Resolution Platform

In relation to your complaint you can also request a review from the European Online Dispute Resolution platform:



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


The one2one Loans website uses cookies. Some may have been set already. If you continue to use the site, we’ll assume you’re happy to accept the cookies.

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