This facility is only available to Guernsey residents

A Guernsey company, we provide loans from £1,000 to £25,000;
it's easy to apply and you could receive your money today.

Use the form on the right for your no obligation quote.

Key benefitsNO deposit.
Great rates to suit you.Repay over 12 to 84 months.
Borrow between £1,000 and £25,000.Get a quick, locally made decision.

Apply online or call 724888

For loans over £25,000 for any reason please visit facilityfinance.co.uk

I am over 18 and in full time employment.
Monthly repayment: 
£----Calculate

Providing you have no court judgements made against you then your loan is already approved in principle.

For further details on obtaining finances for any of the following, please click the image:

Motor
Personal
Holiday
Home
Marine
Business
Debts
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Motor

Motor loans for cars, motorcycles, jetskis, quadbikes etc.

Do I need a deposit?

There is no requirement for a deposit on any vehicle loan under £25,000. However, we may ask for some form of down payment on vehicles of a higher value.

What do I do if I have a vehicle to part exchange?

Thatís fine, Loans Guernsey will finance the shortfall whether you sell to a garage or privately.

Do I have to use the finance offered by the garage?

No you donít - it is completely up to you. You should not feel pressured into taking any finance offered so you can use Loans Guernsey or the service offered by the vendor.

Can I buy a second hand vehicle?

Certainly, in fact we pay the cheque directly to you so you are free to pay however suits you and the vendor.

What are the different finance packages available?

There are basically three ways to buy a vehicle, Hire Purchase, Lease Purchase and Personal Loan. As everyoneís situation can be different, our fully trained advisors will be happy to recommend which if these options is best for you.

Do you pay the money direct to the garage?

No. The standard procedure at Loans Guernsey is to pay the money directly to you. Sometimes a cash offer can make all the difference when negotiating a private purchase for example and we want you to be able to make the best use if our facility.

Can my first yearís insurance premium be included in the amount I borrow?

This is made perfectly possible my our relationship with Ross-Gower Group. We can also offer you a 20% discount on the insurance premium. Please call us now for more details.

Personal

Do I need a deposit?

There is no requirement for a deposit on any personal loan under £25,000. If you require a loan of more than £25,000 please go to www.facilityfinance.co.uk

Holiday

I have to pay the deposit first but the travel company donít require the final payment until a month before our holiday date.

We are happy to arrange your loan and will make the deposit available immediately. In the time between the deposit payment and the final amount, you only pay interest on the amount you borrowed for the deposit payment. You can call on the money for the balance at any time.

Home

Home loans

Loans Guernsey can offer top-ups for States loan clients.

Do I need a deposit?

There is no requirement for a deposit on any vehicle loan £25,000. However, we may ask for some form of down payment for loans of a higher value.

Isn't it easier just to add imrovent costs to my mortgage?

For a new bedroom, kitchen etc. it may be better to consider our shorter term loans rather than adding up to 20 years worth of interest to your monthly mortgage payments

Marine

Motor loans for boats, jetskis, engines etc.

Do I need a deposit?

There is no requirement for a deposit on any vehicle loan under £25,000. However, we may ask for some form of down payment on vehicles of a higher value.

What do I do if I have a boat to part exchange?

Thatís fine, Loans Guernsey will finance the shortfall however you sell your old boat.

Do I have to use the finance offered by the dealer?

No you donít - it is completely up to you. You should not feel pressured into taking any finance offered so you can use Loans Guernsey or the service offered by the vendor.

Can I buy a second hand boat?

Certainly, in fact we pay the cheque directly to you so you are free to pay however suits you and the vendor.

What are the different finance packages available?

There are basically three ways to buy your new boat, Hire Purchase, Lease Purchase and Personal Loan. As everyoneís situation varies, our trained advisors will be happy to recommend the best options for you.

Do you pay the money direct to the dealer?

No. The standard procedure at Loans Guernsey is to pay the money directly to you. Sometimes a cash offer can make all the difference when negotiating a private purchase for example and we want you to be able to make the best use if our facility.

Can my first yearís insurance premium be included in the amount I borrow?

This is made perfectly possible my our relationship with Ross-Gower Group. Please call 01481 722222 us now for more details.

Business

Iím looking to set up a new business and I require finance.

First you need a plan. You will need to prepare (or have prepared) a business plan that includes set-up cost and potential sales. Loans Guernsey will be happy to help with this, or if in the first instance you contact Guernsey Enterprise Agency for help, we will then offer all of our support and experience to help move your business forward.

For existing businesses we offer finance for:

  • Plant and Machinery
  • Office Refit
  • Office Equipment and Furniture
  • Loans to clear overdrafts
  • Assistance with cash flow
  • We can also help spread the cost of large insurance premiums and annual fees.

    Debts

    I have existing loans - is it possible to lump them all into one?

    Yes, subject to showing us that you can meet the payments required.

    I have got into a bit of a financial mess and am embarrassed by it.

    Loans Guernsey can offer you a sympathetic ear. We do not attach any stigma and can offer an understanding, pragmatic and above all confidential solution.

    Iíve been everywhere and cannot obtain credit at terms that suit me.

    Loans Guernsey will look at your circumstances and advise accordingly. Our fully trained staff look at every loan arrangement on its own merits.

    Privacy policy

    Your Personal Data includes any information that we or any Group company holds, now or at any time, which relates to you or your dealings with any Group company and parties associated with you. It includes information relating to your transactions, including the name of the supplier and the general nature of the goods and services you pay for from your agreement, using a card or other non-cash method.

    Companies in our Group may share your Personal Data and use it to assess financial and insurance risks, prevent and detect money laundering, prevent and detect fraud, manage and service products supplied, recover debt and meet their legal obligations. Credit scoring methods may be used.

    Where we make significant decisions about you solely using automatic decision making processes, such as credit scoring, you can request a review by us of any such decision using other means.

    On occasion the way in or purpose for which we process your Personal Data may change. These changes will mostly result from changes in technology. Where we consider the changes may not be obvious to you, we will give you notice of them. When you sign an application form and/or agreement for a product or service, you are agreeing that by continuing to maintain your agreement, product or service for at least 60 days after notification of the change, you will be consenting to that change.

    Your Personal Data will not be disclosed outside the Group except: for the operational reasons described above; with your consent; if the law requires or permits it; to persons to whom we may transfer rights and obligations under your agreement(s); to anyone who provides a service to us who agrees to keep it confidential; to anyone who supply benefits or services to you or us in connection with your agreement (including guarantors); or to credit reference and fraud prevention agencies.

    In order to provide the services you request we may transfer your information to someone in another country who provides a service to us. We will not do this unless that person agrees to treat your information with the same level of protection as if we were dealing with it.

    If you apply in writing we will provide you with a copy of the Personal Data we hold about you in accordance with The Data Protection (Bailiwick of Guernsey) Law 2001 and The Data Protection (Jersey) Law 1987 on payment of a fee. Please write to The Data Protection Manager, Insco House, Rohais, St Peter Port, Guernsey GY1 2NQ if you want to do this.

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