Responsible
Lending

Responsible Lending means that our products and services are appropriate for our consumers’ needs and are tailored to our consumers’ ability to repay.

It refers to our lending policies and practices that take steps to ensure that clients are treated fairly and that they benefit from the loans that they receive. It is our commitment to avoid over-indebting clients by offering well-designed products and carefully establishing the ability to repay. A payday loan is intended for short-term emergency needs. It is not appropriate for long-term borrowing requirements and it is given based on borrowers’ circumstances and affordability.
A payday loan is intended for short-term
emergency needs.
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. 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 to get more details. Please also check the Financial Conduct Authority site to find out more about Responsible Lending.
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