Terms of Use

Quick Loans Ltd owns and runs this website under the Cheque Centre name (company number 09619094, registered office Vicarage Chambers, 9 Park Square East, Leeds LS1 2LH). Quick Loans Ltd is authorised and regulated by the Financial Conduct Authority as a credit broker, firm reference 763132.

When you browse our pages, send us a message or start an application, you're accepting the rules set out here – so if you'd rather not, please leave the site. These rules can change. Whatever is published here on the day you visit is what applies to that visit.

Cheque Centre is a credit broker. Once you send an application, it goes to Nouveau Finance Limited, which matches your application with the partner lenders on our panel. Every decision to lend is made by the lender, not by us, so we can't guarantee that you'll be offered a loan, how much you'll be offered, or the rate.

If a lender makes you an offer and you accept it, your loan agreement is between you and that lender. Its terms – including the cost, repayments and what happens if you miss a payment – are set by the lender and will be in the agreement you sign. Where anything on our website differs from your loan agreement, your loan agreement is what counts.

Using our service costs you nothing. If we arrange a loan for you, the lender pays us a commission. See how it works for the full picture.

Applicants need to be aged 18 or older and resident in the UK, and the application has to be for themselves, in their own name. Applying on behalf of someone else, or using another person's details, isn't allowed – even with their permission.

The information you give in an application or a message must be true, complete and your own. Lenders use it to decide whether a loan is affordable for you, so getting it right protects you as much as them.

If an application contains false or misleading information, lenders may turn it down and may record it with fraud prevention agencies. Where fraud is suspected, we may also report it.

Please don't try to break, overload or get round the security of this website, send automated or fake applications or messages, copy large parts of the site using software, or use the site for anything unlawful. We may block access from anyone who does.

Our pages and guides are general information, written to help you understand borrowing. They don't take your personal circumstances into account, so they aren't financial or debt advice. For free advice about your own situation, see the organisations listed on our customer advice page.

We check our pages regularly, yet rules and figures do change. If you spot something that looks wrong, please let us know.

The words, design and Cheque Centre name and logo on this site belong to Quick Loans Ltd. You're welcome to read, print and share pages for your own use, but please don't copy them for business use without asking us first.

We link to other organisations, such as debt charities, regulators and lenders, because we think they'll help you. We don't control those websites and aren't responsible for what's on them, so please read their own terms and privacy information.

Our aim is a site that's always on, but there may be times when it's unavailable – for example, while we make improvements or if something outside our control goes wrong. We're not responsible if you can't use the site for a while.

Nothing on this page takes away your legal rights as a consumer, or limits our responsibility for anything the law doesn't allow us to limit – such as if our negligence caused someone's death or injury, or in cases of fraud.

Because lenders make their own decisions, we aren't responsible for a lender's decision to offer or refuse you a loan, or for how a lender runs your loan. If you have a problem with your loan, please contact your lender first – or tell us and we'll help you find the right place to go.

Everything about your data – what we hold, who receives it, how long it's kept and what you can ask us to do – is set out in our privacy policy.

If you're unhappy with our service, please see our complaints page. Should we fail to settle it, the Financial Ombudsman Service can look at it independently, at no cost to you.

English and Welsh law applies to these rules. Customers in Scotland or Northern Ireland may also take legal action in their own local courts.

Questions about this page? Email help@chequecentre.co.uk.