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Moneyway Loans aim to serve consumers who may not be adequately served by other banks, with a straightforward application and repayment plan

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About Moneyway

Moneyway provides a wide range of lending facilities in the United Kingdom. This is done through direct lending to customers who have applied online, and through finance packages offered in conjunction with retailers.

They are a trading name of Secure Trust Bank, who are an established UK retail bank. Their headquarters is in Solihull, West Midlands, and they are regulated by both the Financial Conduct Authority and the Prudential Regulation Authority.

Secure Trust Bank was founded in 1954. It was formed with the aim of being able to provide savings accounts, current accounts, and borrowing opportunities to customers who may otherwise have difficulties in accessing them.

In 1985, they were acquired by the Arbuthnot Banking Group, and now operate as an independent subsidiary. Moneyway is used as the online lending platform for the bank.

As well as personal loans and retail finance packages, they also provide a range of specialist lending services. These include car finance, music finance, and bicycle finance. Their motor finance policies are offered directly at point of sale through car dealerships.

Personal loans from Moneyway can be applied for online, with decisions made quickly, often within a few minutes of the application being made. They are subscribers to The Lending Code and are committed to responsible lending. As such, loan applicants must meet their eligibility criteria.

Applicants must be at least 25 years old, and living in the United Kingdom. They must also have a regular annual income of at least £15,000.

Loans can be applied for between the values of £3,000 and £15,000 and they can be paid back over periods between 1 and 5 years. Lending is subject to credit status, and so the interest rate offered can vary. Payments have to be made via direct debit, although early payments and early loan settlements can be made without incurring a penalty.