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I accept the Privacy Policy and Terms & Conditions by submitting this application. I confirm that I have provided accurate financial information and considered potential future income & outgoings in determining my ability to repay the loan on the due date. I understand that credit reference and fraud prevention agencies may be used to make lending decisions and for the prevention of fraud and money laundering, as well as being contacted by SMS, mail, email, telephone and automated message in relation to my loan application by Lenders / Credit Brokers.
Rates from 4.5% APRC to 65.2% APRC are available - the highest rate is for customers with severe credit problems. Loans available from 1-25 years. Typical 10.9% APRC variable. Calls may be recorded for training purposes. The third party lender or broker may charge a fee of 0% up to 15% on your loan. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

Terms and Conditions

ATTENTION: This legal notice applies to the entire contents of this website under the domain name https://loansexpertonline.co.uk/ and to any correspondence by e-mail between us and you. Please read these terms carefully before using this Website. Using this Website indicates that you accept these terms regardless of whether or not you choose to register with us. If you do not accept these terms, do not use this Website. This notice is issued by Advantage Leads Limited trading as Loans Expert Online.

1. INTRODUCTION

1.1 You may access most areas of this Website without registering your details with us. The information on this Website is intended solely to provide general information on Advantage Leads Limited and the consultancy services it provides.

1.2 By accessing any part of this Website, you shall be deemed to have accepted this legal notice in full. If you do not accept this legal notice in full, you must leave this Website immediately.

1.3 Advantage Leads Limited may revise this legal notice at any time by updating this posting. You should check this Website from time to time to review the then current legal notice, because it is binding on you. Certain provisions of this legal notice may be superseded by expressly designated legal notices or terms located on particular pages at this Website.

2. LICENCE

2.1 You are permitted to print and download extracts from this Website for your own use for the sole purpose of reading or seeking information from it on the following basis:

(a) no documents or related graphics on this Website are modified in any way;

(b) no graphics on this Website are used separately from accompanying text; and

(c) Advantage Leads Limited's copyright and trade mark notices and this permission notice appear in all copies.

2.2 You may not copy, distribute, transmit, display, perform, reproduce, publish, licence, create derivative works from, transfer or sell any information, products or services appearing on this Website.

2.3 Unless otherwise stated, the copyright and other intellectual property rights in all material on this Website (including without limitation photographs and graphical images) are owned by Advantage Leads Limited or its licensors. For the purposes of this legal notice, any use of extracts from this Website other than in accordance with paragraphs 2.1 and 2.2 above for any purpose is prohibited. If you breach any of the terms in this legal notice, your permission to use this Website automatically terminates and you must immediately destroy any downloaded or printed extracts from this Website.

2.3 Subject to paragraph 2.1, no part of this Website may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service other than temporarily as one single copy in the cache of your computer in the course of using the Website without Advantage Leads Limited's prior written permission.

2.4 Any rights not expressly granted in these terms are reserved.

3. SERVICE ACCESS

3.1 While Advantage Leads Limited endeavours to ensure that this Website is normally available 24 hours a day, Advantage Leads Limited shall not be liable if for any reason this Website is unavailable at any time or for any period.

3.2 Access to this Website may be suspended temporarily and without notice in the case of system failure, maintenance or repair or for reasons beyond Advantage Leads Limited's control.

4. VISITOR MATERIAL AND CONDUCT

4.1 Other than personally identifiable information, which is covered under the Privacy Policy, any material you transmit or post to this Website shall be considered non-confidential and non-proprietary. Advantage Leads Limited shall have no obligations with respect to such material. Advantage Leads Limited and its designees shall be free to copy, disclose, distribute, incorporate and otherwise use such material and all data, images, sounds, text and other things embodied therein for any and all commercial or non-commercial purposes.

4.2 You are prohibited from posting or transmitting to or from this Website any material (including but without limitation):

(a) that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience; or

(b) for which you have not obtained all necessary licenses and/or approvals; or

(c) which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in the UK or any other country in the world; or

(d) which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data).

4.3 You may not misuse the Website (including, without limitation, by hacking).

4.4 Advantage Leads Limited shall fully co-operate with any law enforcement authorities or court order requesting or directing Advantage Leads Limited to disclose the identity or locate anyone posting any material in breach of paragraph 4.2 or paragraph 4.3.

5. LINKS TO AND FROM OTHER WEBSITES

5.1 Links to third party websites on this Website are provided solely for your convenience. If you use these links, you leave this Website. Advantage Leads Limited has not reviewed all of these third party websites and does not control and is not responsible for these websites or their content or availability. Advantage Leads Limited therefore does not endorse or make any representations about them, or any material found there, or any results that may be obtained from using them. If you decide to access any of the third party websites linked to this Website, you do so entirely at your own risk.

6. DISCLAIMER

6.1 While Advantage Leads Limited uses reasonable endeavours to ensure that the information on this Website is correct, Advantage Leads Limited does not warrant the accuracy and completeness of the material on this Website. Advantage Leads Limited may make changes to the material on this Website, or to the services described in it, at any time without notice. The material on this Website may be out of date, and Advantage Leads Limited makes no commitment to update such material.

6.2 The material on this Website is provided “as is”, without any conditions, warranties or other terms of any kind. Accordingly, to the maximum extent permitted by law, Advantage Leads Limited provides you with this Website on the basis that Advantage Leads Limited excludes all representations, warranties, conditions and other terms (including, without limitation, the conditions implied by law of satisfactory quality, fitness for purpose and the use of reasonable care and skill) which but for this legal notice might have effect in relation to this Website.

6.3 The material on this Website does not constitute advice of any kind, whether financial or otherwise. By using this Website you confirm that you have not relied on its content as advice on any specific matter.

7. LIABILITY

7.1 Advantage Leads Limited, any other party (whether or not involved in creating, producing, maintaining or delivering this Website), and any of Advantage Leads Limited's group officers, employees, or agents of any of them, exclude all liability and responsibility for any amount or kind of loss or damage that may result to you or a third party (including without limitation, any direct, indirect, punitive or consequential loss or damages, or any loss of income, profits, goodwill, data, contracts, use of money, or loss or damages arising from or connected in any way to business interruption, and whether in tort (including without limitation negligence), contract or otherwise) in connection with this Website in any way or in connection with the use, inability to use or the results of use of this Website, any websites linked to this Website or the material on such websites, including but not limited to loss or damage due to viruses that may infect your computer equipment, software, data or other property on account of your access to, use of, or browsing this Website or your downloading of any material from this Website or any websites linked to this Website.

7.2 Nothing in this legal notice shall exclude or limit Advantage Leads Limited's liability for:

(a) death or personal injury caused by negligence (as such term is defined by the Unfair Contract Terms Act 1977); or

(b) fraud; or

(c) misrepresentation as to a fundamental matter; or

(d) any liability which cannot be excluded or limited under applicable law.

7.3 If your use of material on this Website results in the need for servicing, repair or correction of equipment, software or data, you assume all costs thereof.

8. GOVERNING LAW AND JURISDICTION

This legal notice shall be governed by and construed in accordance with English law. Disputes arising in connection with this legal notice shall be subject to the exclusive jurisdiction of the English courts.

www.loansexpertonline.co.uk is a trading style of Advantage Leads Limited. Authorised and Regulated by the Financial Conduct Authority: 652937. Registered Address: 94-96 Saltergate, Chesterfield S40 1LG. Data Protection Act Registration No: ZA100334.

Loan details published on this site are for information purposes only and do not constitute financial advice.

At www.loansexpertonline.co.uk we do not give advice. www.loansexpertonline.co.uk are a broker and not a lender who refer customers to other brokers or lenders that are authorised and regulated by the Financial Conduct Authority. On completion of our form, we will introduce you to one of our FCA authorised loan brokers. We will use your contact details to make this introduction and may receive compensation from our regulated broker partners for this introduction. A loan adviser from our chosen regulated broker partner will contact you by telephone. During that telephone call, the loan adviser will discuss your options in more detail. During this call, and other subsequent communication, you will be dealing with a regulated loan broker and not www.loansexpertonline.co.uk.

All solutions are subject to acceptance and eligibility. Further conditions will apply and calls are recorded for your protection. Initial advice is always free, however, if you enter into a loan agreement fees may apply; these are made clear by the adviser and also in the documentation you receive. Full details will be discussed prior to entering into any loan agreement and alternative options may be offered, if considered to be in your best interest. www.loansexpertonline.co.uk partners are all authorised and regulated by the Financial Conduct Authority and comply with their rules and principles of business.

9.8% APRC Representative. This means 51% or more of customers receive this rate or better. Representative Example: Assumed borrowing of £26,000 over 84 months, with a borrowing rate of 5.86% per annum for the 84 months. There would be 84 monthly instalments of £415.52. Total amount payable £34,998.68 comprised of; loan amount (£26,000); interest (£6,328.68); Broker fee (£2,080.00); Lender fee (£590). This would result in an overall cost of 9.2% APRC. Rates from as low as 4.5% APRC variable. Our highest rate is 47.9% APRC. Repayment periods available from 3-35 years. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.


If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Loans subject to status and secured on residential property by way of a second charge. Consolidating debts may increase the term and total amount payable. A broker fee of up to 15% may apply. Minimum age 18 years.