What is a Top Up?
A Top Up lets customers borrow more money on their current loan. It's for those who have shown they can manage their finances well and keep up with their monthly payments.
A Top Up can be used for things like home improvements or a new purchase.
You need to have paid at least one-third of your payments, or the required number of monthly payments (see below), before you can apply.
Like all our loans, extra borrowing depends on meeting our checks for credit and affordability.
When Can I Top Up My Loan?
You might be able to top up your loan if you owe less than £4,500.
To make sure extra borrowing is right for you, you’ll need to meet the rules below. This will also depend on checks for credit and affordability:
What Options Do I Have?
If your situation changes during your loan, we have ways to help.
We can:
- Move your repayment dates
- Offer you a top up
- Arrange early settlements (with no hidden fees)
If you’re having trouble making payments, please contact us right away. We’ll do our best to help.
How It Works
If you decide that you’d like to top up your loan:
- We’ll first generate a settlement figure, reducing the remaining balance of your current loan.
- Your new top up loan will be used to clear your current loan balance.
- What’s left after the settlement is yours.
Most customers continue with the same guarantor. If you need to provide a new one, it’s still a simple process.
We’re committed to providing you with peace of mind, reinforcing that we’re there when you need us.
Many customers have already topped up their loans to help manage unexpected expenses.
Ready to Top Up?
If you need a little extra, we’re only a call away.
