Responsible Lending

We want to make the loan process as easy as we can for you.

Firstly, decide how much to you want to spend and how much can you afford to borrow?

It’s important to work out early on how much you are comfortable spending and borrowing. Take a look at your finances and work out a budget. If you need advice or assistance organisations such as MoneyTalks. provide free and confidential budgeting advice and information. You can reach them by calling 0800 345 123 or visiting their website.

Have you tried out our easy to use online loan calculator tool? Simply input the amount you’d like to borrow, and adjust the slider to see what your estimated weekly, fortnightly, or monthly repayments might be.

What you can expect when you apply for a loan with us?

When you apply for a loan, we have some responsibilities to you. We look at whether the loan will be suitable and affordable for you to make comfortable regular repayments. We take into consideration things like income, debt, as well as expenses / spending habits.

We’ll do everything we can to understand you and your situation so you can make a good decision about your loan, and we’ll keep all your information confidential. Depending on your situation we may ask you about your income and expenses and require you to provide proof of your situation.

Check out these websites with useful information about borrowing money:

Oxford Finance is regulated by the Credit Contracts and Consumer Finance Act (CCCFA), and guided by the Responsible Lending Code.

Oxford Finance is a responsible lender and a member of the Financial Services Federation. We follow their principles on responsible lending and borrowing. Find out more here: