Terms & Conditions

Flexy-Loan site T&Cs

Please ensure you read these Terms & Conditions carefully before agreeing to them. They exist to protect both you and us.
If you do not understand anything in these Terms and Conditions or require further information, please contact us at [email protected].

By using our website, you should be aware that you are fully agreeing to these terms and conditions. If you do not agree with any of the Terms and Conditions, then please do not use our website.

Licensing & Regulation

2.1 We are regulated by the Financial Conduct Authority
2.2 Flexy-loans is a trading style of LBLK Publishing Ltd Registered address: First Floor, 85 Great Portland Street, London, W1W 7LT. Registered in England and Wales. Company Number: 11550143, Data Protection Number ZA747669.

Flexy-loans is a registered trading name of LBLK Publishing Ltd, who are an Appointed Representative of ESL Consultancy Services Limited, registered under FRN 925350/ ESL Consultancy Services Limited are authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number 835333.

Our Service 

3.1 We offer an online short term, payday and instalment loan application service.
3.2 Through our website, you will be able to access lenders or product providers including Credit Brokers who, based upon the information you have provided, may be able to meet your borrowing requirements. Where two or more options are available, you will be “matched” with the lender with the lowest cost.
3.3 Once accepted by a lender or product provider including Credit Brokers, you will be directed towards their website. After this point, we are unable to take responsibility for any loan you do or do not take out, or any alternative solution you choose.
3.4 Any loan you take out as a result of using our service is a legal agreement between you and your lender, to which neither LBLK Publish Ltd or ESL Consultancy Services Ltd is not a party.
3.5 We are a broker, NOT a lender. We do not provide credit to customers, nor are we involved in lending decisions.
3.5 Any ‘example repayments’ offered on our website are based on our Representative APR and are meant only as a guide. The actual rate of any loan will be down to your chosen lender.
3.6 We do not carry out any credit checks or credit scoring.
3.7 We will find you a lender or product provider based on both the information you provide and the requirements the lender or product provider including Credit Brokers has supplied. We do not promise or otherwise guarantee to find you the cheapest loan for your circumstances.
3.8 If we cannot find you a lender then we may refer you to an alternative product provider including Credit Brokers.
3.9 We do not charge the customer a fee for using our broker services, but we do receive a commission from lenders, product providers or other brokers for successful applications introduced through this website or if a customer enters into a consumer credit agreement with a lender or broker following an introduction through this website. You agree that we are entitled to retain any such commission in full.

Credit Checking 

4.1 While we do not conduct any credit checks, individual lenders and finance providers within our system may use credit scoring to determine whether or not to extend credit to you.
4.2 By agreeing to our terms and conditions you are accepting that you may be credit checked by loan providers.
4.3 Details of credit checks carried out may appear on your credit file.

About You

5.1 All the information you provide when using our service must be accurate and correct to the best of your knowledge
5.2 It is illegal to provide incorrect information when applying for financial products – If you knowingly provide inaccurate details when using our service, you understand that you may be subject to a fraud investigation.
5.3 You are not guaranteed access to credit by the use of our service.

The Use of Your Details

6.1 Please read our Privacy Policy for details of how we use your Personal Data
Rights to amend
7.1 We reserve the rights to amend or withdraw our service at any time without prior notice.
7.2 We may update and change the content on the website at any time.
7.3 We may amend or update our terms and conditions at any time.

Intellectual property rights 

8.1 The copyright and material on this website is owned by LBLK Publishing Ltd and is protected by the copyright laws of the United Kingdom.
8.2 All logos, names, images, and information used on our website are the property of ESL Consultancy Services Ltd.