About some 10 million people rely on the alternative credit market. The market, and the challenges that our customers face, are often misunderstood.
Because of their relatively low income, our customers cannot buy a product off the shelf, they are often unable to sign up for credit and they have been left out in the cold by the high street banks. Yet they are very savvy about managing their limited budgets - and one of the things they worry about is an unexpected bill that can knock their plans off track.
What we can offer them is a way to plan their spending, without nasty surprises, with built-in flexibility in case their circumstances suddenly change – and at an APR significantly lower than those offered by others who serve the alternative credit market such as payday or door step lenders. We give people a better choice.