Cookie Policy

We use cookies to distinguish you from other users of our Sites and Services. This helps us to provide you with a good experience when you use our Sites and Services and also allows us to improve them. You can set your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies. If you disable or refuse cookies, please note that some parts of this website may become inaccessible or not function properly.

Last updated: 28/01/2026

We use the pieces of information that cookies record to help us improve services for you by, for example:
• enabling a service to recognise your device so you don’t have to give the same information several times during one task
• measuring how many people are using services, so they can be made easier to use and there’s enough capacity to ensure they are fast
• analysing anonymised data to help us understand how people interact with our services so we can make them better
How to control and delete cookies:

We will not use cookies to collect personally identifiable information about you.

However, if you wish to restrict or block the cookies which are set by our websites, or indeed any other website, you can do this through your browser settings. The ‘Help’ function within your browser should tell you how.

Alternatively, you may wish to visit the AboutCookies.org website which contains comprehensive information on how to do this on a wide variety of browsers. You will also find details on how to delete cookies from your machine as well as more general information about cookies.

Please be aware that restricting cookies may impact on the functionality of our website.

If you wish to view your cookie code, just click on a cookie to open it. You’ll see a short string of text and numbers. The numbers are your identification card, which can only be seen by the server that gave you the cookie.

For information on how to do this on the browser of your mobile phone, please refer to your handset’s user manual.

Cookies We Use and Why:

Strictly Necessary Cookies

These cookies let you move around the website and use essential features like secure areas. These cookies don’t gather any information about you that could be used for marketing or remembering where you’ve been on the internet.

We use these Strictly Necessary cookies to:

• Remember things like information you’ve entered on forms
• Make sure you connect to the right service on our website when we make any changes to the way the website works.

Cookies we have defined as ‘Strictly Necessary’ cookies will not be used to:

• Gather information that could be used to advertise products or services to you.
• Remember your preferences or username beyond your current visit.

Accepting these cookies is a condition of using the website, if you prevent these cookies, we can’t guarantee our website will perform as expected during your visit.

Performance Cookies

These cookies help identify information about how you use our website e.g. which pages you visit, and if you experience any errors. These cookies don’t collect any information that could identify you – all the information collected is anonymous and is only used to help us improve how our website works, understand what interests our users, and measure how effective our advertising is.

We use performance cookies to:

• Provide statistics on how our website is used.
• See how effective our adverts are (we don’t use these cookies to target adverts to you when you visit other websites).
• Help us improve the website by measuring any errors that occur.
• Test different designs of our website.

Using our site indicates that you accept the use of ‘Performance’ cookies. Accepting these cookies is a condition of using the website, if you prevent them, we cannot guarantee how our site will perform for you.

Functionality cookies

Functionality cookies are used to provide services or to remember settings to improve your visit. We use Functionality cookies to:

• Remember settings you’ve applied such as layout, text size, preferences and colours.
• Remember if we’ve already asked you if you want to fill in a survey or review.
• Show you when you’re logged in to the website.

Cookies defined as ‘Functionality’ will not be used to target you with adverts on other websites.

Preventing these cookies may mean we can’t offer you some services and will reduce the support we can offer you. It’s also possible that preventing these cookies will stop us remembering that you didn’t want a specific service.

For example, social media sharing cookies apply when you share our content on a social network such as Facebook or Twitter.

Targeting/marketing cookies

We have relationships with carefully selected and trusted marketing suppliers. Sometimes you might see our adverts on other websites. This is because a cookie has been used to deliver the ad to you. It is important to understand that these cookies are completely anonymous – they are only stored on your computer. No information is ever shared with other websites and you have the ability to opt out of targeted marketing directly from these trusted suppliers.

Preventing these cookies may stop us from offering you some services. All of these cookies are managed by third parties.

Key Benefits of Secured Loans

Lower Interest Rates

Enjoy reduced interest rates compared to unsecured loans, making your repayments more affordable.

Higher Borrowing Limits

Access larger loan amounts by using your assets as collateral, enabling you to fund significant purchases or investments.

Flexible Repayment Terms

Benefit from customizable repayment plans that fit your financial situation, ensuring manageable monthly payments.

Your Questions Answered

Discover answers to common queries about secured loans to help you make informed decisions.

What is a secured loan?

A secured loan is a type of loan where the borrower pledges an asset, such as a property or vehicle, as collateral for the loan.

How does a secured loan work?

Secured loans work by using your asset as security for the lender, which can result in lower interest rates compared to unsecured loans.

What can I use as collateral?

Common collateral includes real estate, vehicles, and business assets. The value of the collateral affects the loan amount you can borrow.

Are there risks with secured loans?

Yes, if you fail to repay the loan, the lender may repossess the collateral. It’s important to ensure you can meet the repayment terms.

Can I repay my secured loan early?

Yes, many secured loans offer the option to repay early without penalties, but it’s best to check with your lender for specific terms.

How is the interest rate determined?

The interest rate on a secured loan is typically based on the value of the collateral and your creditworthiness.

What happens if I miss a payment?

If you miss a payment, contact your lender immediately. They may offer solutions to help you get back on track and avoid repossession.

How long does approval take?

Approval times vary, but secured loans often have quicker approval processes due to the collateral involved.

Can I use a secured loan for any purpose?

Secured loans can be used for various purposes, including home improvements, debt consolidation, or business expansion, depending on the lender’s terms.