About Kabayan
Finance

Kabayan Finance was incorporated in 2009 and has been actively trading since 2010. We often sponsor Filipino cultural and community events and attend the major Barrio Fiestas. We are now able to structure longer term instalment loans to suit most needs and are committed to the principles of responsible lending.

Kabayan Finance is a short-term lender concentrating on the Filipino community in the UK. We are one of the lowest cost payday lenders in the UK. We also offer short-term instalment loans of up to £1000 payable in 3, 6, or 12 months with lower monthly interests and more flexible payment terms. We also provide a professional, friendly and bilingual customer service (English & Tagalog).
An Instalment loan is intended for short-term emergency needs.
It is not appropriate for long-term borrowing requirements. Loans of up to £1,000 are available depending on circumstances and affordability. If we approve you because we think you are suitable for the loan and if your bank is part of the faster payments system, then the funds should reach your account within 2 hours of approval using the Faster Payment Transfer service for a £5 fee.
If you do not repay your loan, you may be liable for further interest and default charges. This may increase the amount you owe and will make it harder for you to pay it off. We will apply to a court of law for a judgement directing you to repay us. If we are successful and you still do not pay then we may then ask the court to enforce payment in a number of ways which may include a direction for your employer to deduct payments from your wages. It may affect your credit rating and could make it more difficult to obtain credit in the future. We are transparent with our charges and are authorised and regulated by the Financial Conduct Authority. Please refer to "Our Charges" page.
Loans between
£100 and £1000*
available within 2 hours**
of final approval
*upon approval
** With faster payment service, your funds will be sent
to your bank account within two hours of final approval
of your loan application for £5 fee.

We hold the following licenses and memberships:

  • Kabayan Finance Ltd is authorised and regulated by the Financial Conduct Authority. Reference Number (FRN) 674390. You can confirm our registration on the Financial Conduct Authority’s website http://fca.org.uk/ or by contacting the Financial Conduct Authority on 0800 111 6768
  • Information Commissioner's Office registration under the Data Protection Act of 1998: Z1871237
  • Registrar of Companies for England and Wales – Company Number: 6903492
  • Payment Card Industry – Data Security Standard (PCI – DSS)
  • British Credit and Cheque Association (BCCA)


Representative Example Amount of credit £500. Total Amount Repayable of £750 by 6 monthly payments of £125 commencing 1 month from the date of the agreement. Duration of Agreement is 6 months. Annual Interest Rate is 100% flat (fixed). Representative 332.4% APR.

Compare high cost short term loans at www.choosewisely.co.uk

* The rate of interest applied to calculate the interest payable on this loan is 50% on the amount borrowed which equates to 100% per annum.



Representative Example Amount of credit £300. Faster Payment Fee £5. Total Amount Repayable of £365 by 1 payment of £5 (fee) on signing and a final payment of £360 on the 29th day. Duration of Agreement is 29 days. Annual Interest Rate is 240% flat (fixed). Representative 1080.30% APR.

Compare high cost short term loans at www.choosewisely.co.uk

* The rate of interest applied to calculate the interest payable on this loan is 20% on the amount borrowed which equates to 240% per annum
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.
 
Security Metrics
BCCA