{"id":108,"date":"2020-01-22T03:19:10","date_gmt":"2020-01-22T03:19:10","guid":{"rendered":"https:\/\/learnbonds.com\/?page_id=146312"},"modified":"2024-04-29T11:02:00","modified_gmt":"2024-04-29T11:02:00","slug":"loans-ferratum-loans-review","status":"publish","type":"page","link":"https:\/\/learnbonds.com\/uk\/payday-loans\/ferratum-loans-review","title":{"rendered":"Ferratum Loans Review 2021 &#8211; Support Services Around the Clock"},"content":{"rendered":"<p><img decoding=\"async\" class=\"alignright wp-image-146315 size-full\" src=\"https:\/\/learnbonds.com\/wp-content\/uploads\/2019\/08\/ferratum-logo-200x200.png\" alt=\"Ferratum loans company logo with their \"MORE THAN MONEY TO EVERYONE\"mantra\" width=\"200\" height=\"200\" \/>Have you ever found yourself in a sticky situation financially? In such instances, you might consider a high cost <a href=\"https:\/\/learnbonds.com\/uk\/short-term-loans\">short-term loan<\/a> as the easiest way out. However, given the sheer number of services available and their similarities, settling for one is not easy.<\/p>\n<p>In this review, we take a look at Ferratum Loans, one of such service providers, to help you determine if it is the right one for you.<\/p>\n<p>There are lots of considerations to make before signing up for the service. Read on to find out everything you need to know so as to make the right choice.<\/p>\n<div data-accordeon class=\"toc-block\">\n  <div data-accordeon-item>\n    <div data-accordeon-title class=\"toc-title-wrapper\">\n      <div type=\"button\" class=\"toc-btn toc-btn_main\">\n          <svg width=\"12\" height=\"6\" viewBox=\"0 0 14 8\" class=\"icon\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n    <path d=\"M1 1L7 7L13 1\" stroke=\"#fff\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>\n          <\/div>\n      <span class=\"toc-title\">\n        In This Guide      <\/span>\n    <\/div>\n      <ul data-accordeon-content class=\"toc-list\" style=\"display: none;\">\n          <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#what_is_ferratum_loans\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">What is Ferratum Loans?<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#pros_and_cons_of_a_ferratum_loans_loan\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Pros and Cons of a Ferratum Loans Loan<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item subList-in-progress\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#how_does_a_ferratum_loans_loan_work\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">How does a Ferratum Loans loan work?<\/a>\n\n          <button data-accordeon-title class=\"toc-btn\" type=\"button\">\n        <svg width=\"12\" height=\"6\" viewBox=\"0 0 14 8\" class=\"icon\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n    <path d=\"M1 1L7 7L13 1\" stroke=\"#060606\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>\n          <\/button>\n        <\/div>\n\n      <ol data-accordeon-content class=\"StepProgress-sub-list\" style=\"display: none;\" id=\"TOC1sublist-how_does_a_ferratum_loans_loan_work\">\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#credit_check\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"3\">Credit check<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#loan_qualification_and_disbursement\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"3\">Loan qualification and disbursement<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#repayment\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"3\">Repayment<\/a>\n          <\/li>\n          <\/ol>\n  <\/div>\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#what_loan_products_does_ferratum_loans_offer\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">What loan products does Ferratum Loans offer?<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#what_other_store_services_does_ferratum_loans_offer\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">What other store services does Ferratum Loans offer?<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item subList-in-progress\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#ferratum_loans_account_creation_and_borrowing_process\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Ferratum Loans Account Creation and Borrowing Process<\/a>\n\n          <button data-accordeon-title class=\"toc-btn\" type=\"button\">\n        <svg width=\"12\" height=\"6\" viewBox=\"0 0 14 8\" class=\"icon\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n    <path d=\"M1 1L7 7L13 1\" stroke=\"#060606\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>\n          <\/button>\n        <\/div>\n\n      <ol data-accordeon-content class=\"StepProgress-sub-list\" style=\"display: none;\" id=\"TOC1sublist-ferratum_loans_account_creation_and_borrowing_process\">\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#1_to_get_started_go_to_the_websites_homepage_httpswwwferratumcouk_and_at_the_center_of_the_page_click_on_the_slider_to_set_your_desired_loan_amount\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"4\">1. To get started, go to the website\u2019s homepage (https:\/\/www.ferratum.co.uk\/) and at the center of the page, click on the slider to set your desired loan amount.<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#2_next_select_the_loan_term_which_can_be_up_to_6_months_on_the_first_loan\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"4\">2. Next, select the loan term, which can be up to 6 months on the first loan.<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#3_you_can_adjust_the_figure_and_loan_term_to_get_the_ideal_fit_and_when_satisfied_click_apply_now\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"4\">3. You can adjust the figure and loan term to get the ideal fit, and when satisfied, click \u201cApply Now.\u201d<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#4_enter_your_name_email_address_phone_number_date_of_birth_and_marital_status_then_click_continue\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"4\">4. Enter your name, email address, phone number, date of birth and marital status, then click \u201cContinue.\u201d<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#5_when_you_are_done_with_all_the_details_submit_your_application_and_wait_for_a_decision_in_a_few_minutes\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"4\">5. When you are done with all the details, submit your application and wait for a decision in a few minutes.<\/a>\n          <\/li>\n          <\/ol>\n  <\/div>\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#eligibility_criteria_for_ferratum_loans_loan\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Eligibility Criteria for Ferratum Loans Loan<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#information_borrowers_need_to_provide_to_get_ferratum_loans_loan\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Information Borrowers Need to Provide to Get Ferratum Loans Loan<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#what_are_ferratum_loans_loan_borrowing_costs\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">What are Ferratum Loans loan borrowing costs?<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#ferratum_loans_customer_support\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Ferratum Loans Customer Support<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#is_it_safe_to_borrow_from_ferratum_loans\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Is it safe to borrow from Ferratum Loans?<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#ferratum_loans_review_verdict\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Ferratum Loans Review Verdict<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#glossary_of_loaning_terms\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Glossary of loaning Terms<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#faq\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">FAQ<\/a>\n\n        <\/div>\n\n    <\/li>      <\/ul>\n  <\/div>\n    <ul data-accordeon-content class=\"toc-list\" style=\"display: none;\">\n        <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#what_is_ferratum_loans\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">What is Ferratum Loans?<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#pros_and_cons_of_a_ferratum_loans_loan\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Pros and Cons of a Ferratum Loans Loan<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item subList-in-progress\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#how_does_a_ferratum_loans_loan_work\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">How does a Ferratum Loans loan work?<\/a>\n\n          <button data-accordeon-title class=\"toc-btn\" type=\"button\">\n        <svg width=\"12\" height=\"6\" viewBox=\"0 0 14 8\" class=\"icon\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n    <path d=\"M1 1L7 7L13 1\" stroke=\"#060606\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>\n          <\/button>\n        <\/div>\n\n      <ol data-accordeon-content class=\"StepProgress-sub-list\" style=\"display: none;\" id=\"TOC1sublist-how_does_a_ferratum_loans_loan_work\">\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#credit_check\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"3\">Credit check<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#loan_qualification_and_disbursement\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"3\">Loan qualification and disbursement<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#repayment\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"3\">Repayment<\/a>\n          <\/li>\n          <\/ol>\n  <\/div>\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#what_loan_products_does_ferratum_loans_offer\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">What loan products does Ferratum Loans offer?<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#what_other_store_services_does_ferratum_loans_offer\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">What other store services does Ferratum Loans offer?<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item subList-in-progress\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#ferratum_loans_account_creation_and_borrowing_process\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Ferratum Loans Account Creation and Borrowing Process<\/a>\n\n          <button data-accordeon-title class=\"toc-btn\" type=\"button\">\n        <svg width=\"12\" height=\"6\" viewBox=\"0 0 14 8\" class=\"icon\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n    <path d=\"M1 1L7 7L13 1\" stroke=\"#060606\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>\n          <\/button>\n        <\/div>\n\n      <ol data-accordeon-content class=\"StepProgress-sub-list\" style=\"display: none;\" id=\"TOC1sublist-ferratum_loans_account_creation_and_borrowing_process\">\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#1_to_get_started_go_to_the_websites_homepage_httpswwwferratumcouk_and_at_the_center_of_the_page_click_on_the_slider_to_set_your_desired_loan_amount\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"4\">1. To get started, go to the website\u2019s homepage (https:\/\/www.ferratum.co.uk\/) and at the center of the page, click on the slider to set your desired loan amount.<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#2_next_select_the_loan_term_which_can_be_up_to_6_months_on_the_first_loan\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"4\">2. Next, select the loan term, which can be up to 6 months on the first loan.<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#3_you_can_adjust_the_figure_and_loan_term_to_get_the_ideal_fit_and_when_satisfied_click_apply_now\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"4\">3. You can adjust the figure and loan term to get the ideal fit, and when satisfied, click \u201cApply Now.\u201d<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#4_enter_your_name_email_address_phone_number_date_of_birth_and_marital_status_then_click_continue\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"4\">4. Enter your name, email address, phone number, date of birth and marital status, then click \u201cContinue.\u201d<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#5_when_you_are_done_with_all_the_details_submit_your_application_and_wait_for_a_decision_in_a_few_minutes\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"4\">5. When you are done with all the details, submit your application and wait for a decision in a few minutes.<\/a>\n          <\/li>\n          <\/ol>\n  <\/div>\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#eligibility_criteria_for_ferratum_loans_loan\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Eligibility Criteria for Ferratum Loans Loan<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#information_borrowers_need_to_provide_to_get_ferratum_loans_loan\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Information Borrowers Need to Provide to Get Ferratum Loans Loan<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#what_are_ferratum_loans_loan_borrowing_costs\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">What are Ferratum Loans loan borrowing costs?<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#ferratum_loans_customer_support\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Ferratum Loans Customer Support<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#is_it_safe_to_borrow_from_ferratum_loans\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Is it safe to borrow from Ferratum Loans?<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#ferratum_loans_review_verdict\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Ferratum Loans Review Verdict<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#glossary_of_loaning_terms\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Glossary of loaning Terms<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#faq\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">FAQ<\/a>\n\n        <\/div>\n\n    <\/li>    <\/ul>\n<\/div>\n\n                                        <div class=\"inContentProviderSingle inContentColor--learnbonds fc-row\">\n                        <div class=\"inContentProviderSingle--wrapper\">\n                            <div class=\"container\">\n     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                   <\/div><!--\/.col-md-4-->\n                                <\/div><!--\/.row-->\n                                <div class=\"row\">\n                                    <!-- *******  Desktop Provider Logo ********** -->\n                                    <div class=\"col-12 col-md-12 text-center d-block d-sm-block d-md-none d-lg-none\">\n                                        <img decoding=\"async\" class=\"inContentProviderSingle--img mb-3\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/01\/lendingstream_250_250.png\" alt=\"\" width=\"125\" height=\"60\">\n                                    <\/div>\n\n                                    <div class=\"col-12 col-md-8\">\n                                                                                    <ul class=\"inContentProviderSingle--list\">\n                                                                                                    <li>Get an Instant Quote<\/li>\n                                                                                                    <li>Apply within 2 Minutes<\/li>\n                                                                                                    <li>Friendly Support Service<\/li>\n                                                                                                    <li>FCA Regulated<\/li>\n                                                                                            <\/ul><!--\/.inContentProviderSingle--lis-->\n                                                                            <\/div>\n                                    <!-- *******  Desktop Provider Logo ********** -->\n                                    <div class=\"col-12 col-md-4 d-none d-sm-none d-md-block d-lg-block\">\n                                        <img decoding=\"async\" class=\"inContentProviderSingle--img float-right\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/01\/lendingstream_250_250.png\" alt=\"\" width=\"125\" height=\"60\">\n                                    <\/div>\n                                <\/div><!--\/.row-->\n                                <div class=\"row\">\n                                    <div class=\"col-12 text-center\">\n                                                                                    <div class=\"inContentProviderSingle--button\">\n                                                                                                <a href=\"https:\/\/learnbonds.com\/uk\/visit\/lendingstream\" title=\"Start Trading\" rel=\"sponsored\" data-relfix=\"1\">Apply Now!<\/a>\n                                            <\/div>\n                                                                                <div class=\"inContentProviderSingle--disclaimerText\">\n                                            *Subject to lender requirements and approval.                                        <\/div>\n                                    <\/div>\n                                <\/div><!--\/.row-->\n                            <\/div><!--\/.container-->\n                        <\/div><!--\/.inContentProviderSingle--wrapper-->\n                    <\/div><!--\/.inContentProvider--single-->\n                            \n            \n<h2 id=\"what_is_ferratum_loans\">What is Ferratum Loans?<\/h2>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-146316 size-full\" src=\"https:\/\/learnbonds.com\/wp-content\/uploads\/2019\/08\/Screenshot_816.jpg\" alt=\"Borrower account creation page on FERRATUM website\" width=\"1351\" height=\"637\" \/><\/p>\n<p>Launched in 2005, Ferratum Loans is a long-standing direct lender offering services in various countries. The company has its headquarters in Helsinki, Finland and currently operates in 25 countries across the globe. In the UK, the lender is based in Liverpool, operating online.<\/p>\n<p>Among its key visions is being at the forefront of the mobile revolution, specifically in the banking sector. With this in mind, it offers a fast and easy to use mobile lending and banking platform.<\/p>\n<p>It is a pioneer in both digital and mobile financial services technology operates on a data-driven approach to <a href=\"https:\/\/learnbonds.com\/loans\/bad-credit-loans\">credit scoring<\/a>. Its mission is to offer the best customer interface for lending as well as 24\/7 customer support online and via the mobile app.<\/p>\n<p>Let\u2019s find out how well it measures up to these lofty objectives.<\/p>\n<p><em><div class=\"su-note\"  style=\"border-color:#e5e54c;border-radius:3px;-moz-border-radius:3px;-webkit-border-radius:3px;\"><div class=\"su-note-inner su-u-clearfix su-u-trim\" style=\"background-color:#FFFF66;border-color:#ffffff;color:#333333;border-radius:3px;-moz-border-radius:3px;-webkit-border-radius:3px;\"><i class=\"omsc-icon sui sui-info-circle\" style=\"\"><\/i> <\/em>Ferratum Loans is a direct lender operating online and offering services on a mobile app and via text messaging. They have two main loan products and though their rates are high, they get high points for customer service and reliability.<em><\/div><\/div><\/em><\/p>\n<h2 id=\"pros_and_cons_of_a_ferratum_loans_loan\">Pros and Cons of a Ferratum Loans Loan<\/h2>\n<div class=\"su-note\"  style=\"border-color:#EFEFEF50;border-radius:3px;-moz-border-radius:3px;-webkit-border-radius:3px;\"><div class=\"su-note-inner su-u-clearfix su-u-trim\" style=\"background-color:#EFEFEF50;border-color:#EFEFEF50;color:#333333;border-radius:3px;-moz-border-radius:3px;-webkit-border-radius:3px;\">\n<div class=\"su-row\"><div class=\"su-column su-column-size-1-2\"><div class=\"su-column-inner su-u-clearfix su-u-trim\">\n<p><strong>Pros<\/strong><\/p>\n<div class=\"su-list\" style=\"margin-left:0px\">\n<ul>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> Transparent about fees and costs<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> Offers two alternative loan product for different users<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> Has a mobile phone app<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> Offers support services round the clock<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> It is a regulated entity under the FCA and a member of the CFA<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> As direct lenders, they handle the entire application process and don\u2019t share data with third parties<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> You can reapply via text message rather than going through the full online application process<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> Funding available even on weekends<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> Does not charge early repayment fees<\/li>\n<\/ul>\n<\/div>\n<\/div><\/div><div class=\"su-column su-column-size-1-2\"><div class=\"su-column-inner su-u-clearfix su-u-trim\">\n<p><strong>Cons<\/strong><\/p>\n<div class=\"su-list\" style=\"margin-left:0px\">\n<ul>\n<li><i class=\"sui sui-remove\" style=\"color:#e31f28\"><\/i> High-cost option<\/li>\n<li><i class=\"sui sui-remove\" style=\"color:#e31f28\"><\/i> Low loan ceiling<\/li>\n<li><i class=\"sui sui-remove\" style=\"color:#e31f28\"><\/i> Has no brick and mortar stores<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/div><\/div>\n<h2 id=\"how_does_a_ferratum_loans_loan_work\">How does a Ferratum Loans loan work?<\/h2>\n<p>Based on its mission statement, the lender strives to provide more than money to its customers. In keeping with that, it provides services round the clock using its website and a mobile smartphone app.<\/p>\n<p>Applications are fast and hassle-free, and loan processing is transparent thanks to fixed and easily accessible rates. But you can only apply for a loan if you are employed.<\/p>\n<h3 id=\"credit_check\">Credit check<\/h3>\n<p>They will check your credit score before approving an application to get an indication of your affordability.<\/p>\n<p>But they do not consider your credit score in isolation. Rather, they pass your application through a number of checkpoints to confirm identity as well as the ability to repay a loan in time.<\/p>\n<p>Before they make a lending decision, they also consider other factors that may affect your ability to repay. These include your age, how you have managed finances in the past and your address stability.<\/p>\n<p>Currently, they make use of Equifax and TransUnion for credit checks. Since these are major credit bureaus, the check may affect your score.<\/p>\n<p>Their application process is quite simple and a major benefit to it is that you only need to do it once. For subsequent <a href=\"https:\/\/learnbonds.com\/loans\">loans<\/a>, you can apply via text message. As long as you make repayments as required with the first loan, you are likely to qualify for other loans in the future.<\/p>\n<p>They will, however, confirm affordability and creditworthiness before issuing a loan, no matter how great your repayment record is. They let you know the cost of a loan before you agree to it and there are no hidden charges.<\/p>\n<p><img decoding=\"async\" class=\"alignnone wp-image-3450 size-full\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/1_oiDsTUjhPc8FtB4yF4djZA.jpeg\" alt=\"Screengrab of a section of ferratum website\" width=\"1500\" height=\"500\" srcset=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/1_oiDsTUjhPc8FtB4yF4djZA.jpeg 1500w, https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/1_oiDsTUjhPc8FtB4yF4djZA-300x100.jpeg 300w, https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/1_oiDsTUjhPc8FtB4yF4djZA-1024x341.jpeg 1024w, https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/1_oiDsTUjhPc8FtB4yF4djZA-768x256.jpeg 768w\" sizes=\"(max-width: 1500px) 100vw, 1500px\" \/><\/p>\n<p>You can also use the loan calculator to check how much a loan is worth. Using this tool, you can change the loan amount and term so as to get the most ideal fit for your financial circumstances.<\/p>\n<h3 id=\"loan_qualification_and_disbursement\">Loan qualification and disbursement<\/h3>\n<p>For your very first application, you will likely qualify for a maximum of \u00a3400 and work with a 6-month repayment period. When you submit your application, you will only have to wait a few minutes to get the decision.<\/p>\n<p>And being a same-day funding service, they will likely transfer the amount within a few hours after approval to your bank account. The lender works even over the weekends, making it easy to access emergency funding whenever you need it.<\/p>\n<p>In the same way as you can request for funding via text, you can also ask them to take a repayment early by sending an SMS. Similarly, the customer support team handles queries via text, in addition to email and phone calls.<\/p>\n<p>If you opt to repay early, you can request for the new lower balance that you need to repay.<\/p>\n<p>Simply because you qualified for a loan in the past does not mean you will automatically qualify in subsequent applications. Your credit score, financial circumstances, borrowing history and financial commitments may have changed and this could get your application declined.<\/p>\n<p>As a responsible lender, Ferratum looks at such aspects as repeat borrowing which could suggest financial difficulty. Since their products are meant as short term solutions for financial emergencies, they might in such instances advice you to seek assistance or review your needs.<\/p>\n<h3 id=\"repayment\">Repayment<\/h3>\n<p>For loan repayments, they will automatically debit the bank account you nominate during the account creation process. They make use of a Continuous Payment Authority (CPA) for this.<\/p>\n<p>You can also opt to make repayments via text or make repayments using the site\u2019s online function. Another option is to use your own online banking facilities. However, online payments take up to 48 hours to reflect and are thus not advisable.<\/p>\n<p>Debit card is the most recommended option particularly if you are making the repayment with a view to reapplying for another loan.<\/p>\n<p>If at any point you are unable to afford a repayment, you need to contact the customer support team before the due date. They can help you work out a manageable solution.<\/p>\n<h2 id=\"what_loan_products_does_ferratum_loans_offer\">What loan products does Ferratum Loans offer?<\/h2>\n<p>Ferratum offers one major product with two main sub-products for different customers in different situations, a short term loan.<\/p>\n<p>The Ferratum same day loan is a short-term financial solution for a person who is looking to access a small amount of funding to cover immediate concerns. These loans are flexible and offer amounts ranging from \u00a3300 all the way to \u00a31,000 under what they refer to as Plusloans.<\/p>\n<p>Since these are installment loans, you can spread out the repayments over a period of 2, 3 or 4 months.<\/p>\n<p>They also have a product known as the Microloan under the same umbrella. Amounts for this type of loan range from \u00a350 to \u00a3500. These typically require lump sum repayment on your next payday. Basically, they are small boosts to keep you going before you get your pay.<\/p>\n<h2 id=\"what_other_store_services_does_ferratum_loans_offer\">What other store services does Ferratum Loans offer?<\/h2>\n<p>In addition to offering lending services, Ferratum also offers banking services both online and via its mobile app. It claims to be at the forefront of the digital banking revolution with the use of digital and mobile financial services technology.<\/p>\n<h2 id=\"ferratum_loans_account_creation_and_borrowing_process\">Ferratum Loans Account Creation and Borrowing Process<\/h2>\n<p>Creating an account and applying for a loan from Ferratum is a fairly straightforward process.<\/p>\n<h4 id=\"1_to_get_started_go_to_the_websites_homepage_httpswwwferratumcouk_and_at_the_center_of_the_page_click_on_the_slider_to_set_your_desired_loan_amount\">1. To get started, go to the website\u2019s homepage (https:\/\/www.ferratum.co.uk\/) and at the center of the page, click on the slider to set your desired loan amount.<\/h4>\n<p><img decoding=\"async\" class=\"size-full wp-image-3474 alignnone\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Capture.png\" alt=\"Ferratum Loans Review -...\" width=\"1200\" height=\"534\" srcset=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Capture.png 1200w, https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Capture-300x134.png 300w, https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Capture-1024x456.png 1024w, https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Capture-768x342.png 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/p>\n<p>Note that for your very first loan, you can only get a maximum of \u00a3400.<\/p>\n<h4 id=\"2_next_select_the_loan_term_which_can_be_up_to_6_months_on_the_first_loan\">2. Next, select the loan term, which can be up to 6 months on the first loan.<\/h4>\n<p>This will give you the repayment details of the loan including the interest, installment amounts and total amount payable.<\/p>\n<h4 id=\"3_you_can_adjust_the_figure_and_loan_term_to_get_the_ideal_fit_and_when_satisfied_click_apply_now\">3. You can adjust the figure and loan term to get the ideal fit, and when satisfied, click \u201cApply Now.\u201d<\/h4>\n<p>This will take you to the \u201cCreate Your Account\u201d page where you need to enter personal details.<\/p>\n<h4 id=\"4_enter_your_name_email_address_phone_number_date_of_birth_and_marital_status_then_click_continue\">4. Enter your name, email address, phone number, date of birth and marital status, then click \u201cContinue.\u201d<\/h4>\n<p>Keep following the prompts on your screen to enter the required information including employment and income details, residential details, expenses, bank account information and other details.<\/p>\n<h4 id=\"5_when_you_are_done_with_all_the_details_submit_your_application_and_wait_for_a_decision_in_a_few_minutes\">5. When you are done with all the details, submit your application and wait for a decision in a few minutes.<\/h4>\n<p>For subsequent applications, you can use text as mentioned earlier or log in to your account online, confirm your eligibility and make your application.<\/p>\n<div class=\"su-note\"  style=\"border-color:#e5e54c;border-radius:3px;-moz-border-radius:3px;-webkit-border-radius:3px;\"><div class=\"su-note-inner su-u-clearfix su-u-trim\" style=\"background-color:#FFFF66;border-color:#ffffff;color:#333333;border-radius:3px;-moz-border-radius:3px;-webkit-border-radius:3px;\"><i class=\"omsc-icon sui sui-info-circle\" style=\"\"><\/i><em>It\u2019s essential to be cautious during the sign up process for these products. This is because you can end up owing two to three times what you borrow on the longer-term loans, and many have difficulty repaying the short-term loans without reborrowing.<\/em><\/div><\/div>\n<h2 id=\"eligibility_criteria_for_ferratum_loans_loan\">Eligibility Criteria for Ferratum Loans Loan<\/h2>\n<div class=\"su-list\" style=\"margin-left:0px\">\n<p>In order to qualify for a loan on Ferratum, there are some qualifications you will need to meet:<\/p>\n<ul>\n<li><i class=\"sui sui-check-circle\" style=\"color:#189d2b\"><\/i> Be at least 23 years of age<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#189d2b\"><\/i> Be employed<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#189d2b\"><\/i> Have an email address<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#189d2b\"><\/i> Have a mobile number<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#189d2b\"><\/i> Have a bank account with a debit card<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#189d2b\"><\/i> Have a reasonably good credit history<\/li>\n<\/ul>\n<\/div>\n<h2 id=\"information_borrowers_need_to_provide_to_get_ferratum_loans_loan\">Information Borrowers Need to Provide to Get Ferratum Loans Loan<\/h2>\n<div class=\"su-list\" style=\"margin-left:0px\">\n<p>When applying for a Ferratum loan, here are some of the details you will need to provide:<\/p>\n<ul>\n<li><i class=\"sui sui-check-circle\" style=\"color:#189d2b\"><\/i> Name<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#189d2b\"><\/i> Date of birth<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#189d2b\"><\/i> Marital status<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#189d2b\"><\/i> Residential details<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#189d2b\"><\/i> Income details<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#189d2b\"><\/i> Monthly expenses<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#189d2b\"><\/i> Employment details<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#189d2b\"><\/i> Mobile phone number<\/li>\n<\/ul>\n<p><em><\/div><\/em><\/p>\n<h2 id=\"what_are_ferratum_loans_loan_borrowing_costs\">What are Ferratum Loans loan borrowing costs?<\/h2>\n<p>The borrowing costs for Ferratum Loans are clearly shown on the site. Take a look at the estimated rates you might need to deal with:<\/p>\n<ul>\n<li>Daily interest rate of 0.8%<\/li>\n<li>No setup costs, upfront fees or membership fees<\/li>\n<li>No early repayment fees<\/li>\n<li>Maximum representative APR \u2013 1,604%<\/li>\n<li>Late payment fee \u2013 \u00a315<\/li>\n<\/ul>\n<p>Representative Example<\/p>\n<ul>\n<li>Loan amount \u2013 \u00a3400<\/li>\n<li>Loan term \u2013 4 months<\/li>\n<li>Interest rate (fixed) \u2013 292%<\/li>\n<li>Total repayable amount \u2013 \u00a3665.48<\/li>\n<li>Installment amounts \u2013 \u00a3166.37<\/li>\n<\/ul>\n<h2 id=\"ferratum_loans_customer_support\">Ferratum Loans Customer Support<\/h2>\n<p>According to customer reviews posted on various online platforms, Ferratum has excellent customer support. They are available round the clock, seven days a week and they handle customer concerns even via text.<\/p>\n<p>They are friendly and helpful and customers are generally happy with them.<\/p>\n<h2 id=\"is_it_safe_to_borrow_from_ferratum_loans\">Is it safe to borrow from Ferratum Loans?<\/h2>\n<p>Ferratum Loans is authorized and regulated under the Financial Conduct Authority. It is also a member of the Consumer Finance Association.<\/p>\n<p>Therefore, the platform has to adhere to high standards of operation as set out by these authorities.<\/p>\n<p>Additionally, its website makes use of standard encryption protocols to secure user data.<\/p>\n<h2 id=\"ferratum_loans_review_verdict\">Ferratum Loans Review Verdict<\/h2>\n<p>Ferratum Loans has been around for more than a decade now and it is easy to tell that they are a reliable and stable financial service provider. They offer services around the clock and provide funding even over the weekends.<\/p>\n<p>The only downside is that their loan limits are quite low and the rates are high. But overall, they offer excellent services for anyone searching for emergency funding and are highly recommendable.<\/p>\n                                        <div class=\"inContentProviderSingle inContentColor--learnbonds fc-row\">\n                        <div class=\"inContentProviderSingle--wrapper\">\n                            <div class=\"container\">\n                                <div class=\"row mb-lg-3\">\n                                    <div class=\"col-12 col-md-8\">\n                                        <p class=\"inContentProviderSingle--title\">Try Our Recommended UK Payday Loan Provider 2020:<\/p>\n                                    <\/div>\n                                    <div class=\"col-12 col-md-4\">\n                                        <div class=\"inContentProviderSingle--rating\">\n                                            <div class=\"rating--holder\">\n                                                <p class=\"rating--text\"><\/p>\n     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data-relfix=\"1\">Apply Now!<\/a>\n                                            <\/div>\n                                                                                <div class=\"inContentProviderSingle--disclaimerText\">\n                                            *Subject to lender requirements and approval.                                        <\/div>\n                                    <\/div>\n                                <\/div><!--\/.row-->\n                            <\/div><!--\/.container-->\n                        <\/div><!--\/.inContentProviderSingle--wrapper-->\n                    <\/div><!--\/.inContentProvider--single-->\n                            \n            \n<h2 id=\"glossary_of_loaning_terms\">Glossary of loaning Terms<\/h2>\n\n\t\t<div class=\"glossary-component--container\">\n\t\t\t<div class=\"glossary-component--inner\">\n\t\t\t\t<div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Credit-Score.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Credit Score<\/span><\/div><div class=\"glossary-component--term-text\"><p>A credit score shows your creditworthiness. It's primarily based on how much money you owe to loan or credit card companies, if you have ever missed payments or if you have ever defaulted on a loan. <\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Guaranteed.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Guaranteed Approval <\/span><\/div><div class=\"glossary-component--term-text\"><p>Guaranteed Approval is when, no matter how bad, your credit score its, your loan application will not get declined.\r\n<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Credit-Limit.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Credit Limit <\/span><\/div><div class=\"glossary-component--term-text\"><p>A Credit Limit is the highest amont of credit a lender will lend to the borrower.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Collateral.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Collateral<\/span><\/div><div class=\"glossary-component--term-text\"><p>Collateral is when you put up an item against your loan such as your house or car. These can be repossessed if you miss payments.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Cash-Advance.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Cash Advance  <\/span><\/div><div class=\"glossary-component--term-text\"><p>A Cash Advance is a short-term loan that has steep interest rates and fees.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Credit-Rating.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Credit Rating<\/span><\/div><div class=\"glossary-component--term-text\"><p>Your Credit Rating is how likely you are to fulfill your loan payments and how risky you are as a borrower.\r\n<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Fixed-Interest.png\" alt=\"Stocks Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Fixed Interest Rate<\/span><\/div><div class=\"glossary-component--term-text\"><p>Fixed Interest Rate is when the interest rate of your loan will not change over the period you are paying off you loan.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Interest.png\" alt=\"Stocks Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Interest <\/span><\/div><div class=\"glossary-component--term-text\"><p>The Interest is a percentage based on the amount of your loan that you pay back to the lender for using their money<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Default.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Default <\/span><\/div><div class=\"glossary-component--term-text\"><p>If you default on your loan it means you are unable to keep up with your payments and no longer pay back your loan.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Late-Fee.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Late Fee<\/span><\/div><div class=\"glossary-component--term-text\"><p>If you miss a payment the lender will charge you for being late, this is known as a late fee.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Unsecured.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Unsecured Personal Loan<\/span><\/div><div class=\"glossary-component--term-text\"><p>An Unsecured Personal Loan is when you have a loan based solely on your creditworthliness without using collateral.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Secured-Loan.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Secured Loan<\/span><\/div><div class=\"glossary-component--term-text\"><p>A Secured Loan is when you put collateral such as your house or car up against the amount you're borrowing.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Prime-Rate.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Prime Rate<\/span><\/div><div class=\"glossary-component--term-text\"><p>This is the Interest Rate used by banks for borrowers with good credit scores.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Principle.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Principal<\/span><\/div><div class=\"glossary-component--term-text\"><p>The Principal amount the borrower owes the lender, not including any  interest or fees.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Variable-Rate.png\" alt=\"Stocks Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Variable Rate<\/span><\/div><div class=\"glossary-component--term-text\"><p> A Variable Rate is when the interest rate of you loan will change with inflation. Sometimes this will lower your interest rate, but other times it will increase. <\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Installment-Loan.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Installment Loan<\/span><\/div><div class=\"glossary-component--term-text\"><p>An Installment Loan is a loan that is paid back bi-weekly or monthly over the period in which the loan is borrowed for.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Bridge-Loan.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Bridge Loan <\/span><\/div><div class=\"glossary-component--term-text\"><p>A Bridge Loan is a short term loand that can last from 2 weeks up to 3 years dependant on lender.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/AAA-Credit.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>AAA Credit<\/span><\/div><div class=\"glossary-component--term-text\"><p>Having an AAA Credit Rating is the highest rating you can have.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Guarantor.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Guarantor <\/span><\/div><div class=\"glossary-component--term-text\"><p>A Guarantor co-signs on a loan stating the borrower is able to make the payments, but if they miss any or default the Guarantor will have to pay.\r\n\r\n\r\n\r\n<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/LIBOR.png\" alt=\"Stocks Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>LIBOR <\/span><\/div><div class=\"glossary-component--term-text\"><p>LIBOR is the London Inter-Bank Offered Rate which is the benchmarker for the interest rates in London. It is an average of the estimates interest rates given by different banks based on what they feel would be the best interest rate for future loans.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Home-Equity.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Home Equity Loans <\/span><\/div><div class=\"glossary-component--term-text\"><p>Home Equity Loans is where you borrow the equity from your property and pay it back with interest and fees over an agreed time period with the lender.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Debt.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Debt Consolidation <\/span><\/div><div class=\"glossary-component--term-text\"><p>Debt Consolidation is when you take out one loans to pay off all others. This leads to one monthly payment, usually with a lower interest rate.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Federal-Student.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Student Loan<\/span><\/div><div class=\"glossary-component--term-text\"><p>If you obtain a Student Loan to pay your way through College then you loan is held with the Department for Education U.K.\r\n\r\n\r\n<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Broker.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Student Grants<\/span><\/div><div class=\"glossary-component--term-text\"><p>Financial Aid in the form of grants is funding available to post-secondary education students throughout the United Kingdom and you are not required to pay grant<\/p><\/div><\/div>\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n<h2 id=\"faq\">FAQ<\/h2>\n<div role=\"heading\" data-hveid=\"CAsQBQ\"><div class='man_faq_sec' itemscope itemtype='https:\/\/schema.org\/FAQPage'> <\/time><time itemprop=\"dateModified\" datetime=\"2020-06-17 17:07:56\"><\/time><script>jQuery(document).ready(function() {\r\n\t\t\tjQuery('.accordionButton').on('click', function() {\r\n\r\n\t\t\t\t\/\/REMOVE THE ON CLASS FROM ALL BUTTONS\r\n\t\t\t\tjQuery('.accordionButton').removeClass('on');\r\n\t\t\t\t\t\r\n\t\t\t\t\/\/NO MATTER WHAT WE CLOSE ALL OPEN SLIDES\r\n\t\t\t\tjQuery('.accordionContent').slideUp('normal');\r\n\t\t\t\r\n\t\t\t\t\/\/IF THE NEXT SLIDE WASN'T OPEN THEN OPEN IT\r\n\t\t\t\tif(jQuery(this).closest('.ms_faq').find('.accordionContent').is(':hidden') == true) {\r\n\t\t\t\t\t\r\n\t\t\t\t\t\/\/ADD THE ON CLASS TO THE BUTTON\r\n\t\t\t\t\tjQuery(this).closest('.ms_faq').find('.accordionButton').addClass('on');\r\n\t\t\t\t\t\t\r\n\t\t\t\t\t\/\/OPEN THE SLIDE\r\n\t\t\t\t\tjQuery(this).closest('.ms_faq').find('.accordionContent').slideDown('normal');\r\n\t\t\t\t} \r\n\t\t\t\t\t\r\n\t\t\t\t});\r\n\t\t\t});\r\n\t\t\t<\/script><section class=\"ms_faq ms_card \" ><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"accordionButton\"><h3 itemprop=\"name\">What is a Continuous Payment Authority (CPA)?<\/h3> <\/div>\n<div class=\"accordionContent\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none;\"><p itemprop=\"text\">A CPA is a provision that allows lenders to take their repayments directly from borrowers\u2019 bank accounts. For Ferratum, this is an optional feature and you can choose alternative repayment options.<\/p>\r\n                <\/div><\/div><\/section>\n<section class=\"ms_faq ms_card \" ><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"accordionButton\"><h3 itemprop=\"name\">What happens when my repayment due date falls on a weekend?<\/h3> <\/div>\n<div class=\"accordionContent\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none;\"><p itemprop=\"text\">The Ferratum system will automatically adjust it to the Friday preceding the weekend. But you can contact customer support if you prefer a different date.<\/p>\r\n                <\/div><\/div><\/section>\n<section class=\"ms_faq ms_card \" ><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"accordionButton\"><h3 itemprop=\"name\">What should I do if I receive a default notice?<\/h3> <\/div>\n<div class=\"accordionContent\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none;\"><p itemprop=\"text\">You can remedy the situation by calling, texting or emailing customer support to get a reduced settlement. They will let you know how much you need to repay and by when.<\/p>\r\n                <\/div><\/div><\/section>\n<section class=\"ms_faq ms_card \" ><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"accordionButton\"><h3 itemprop=\"name\">Why did I receive a default notice? <\/h3> <\/div>\n<div class=\"accordionContent\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none;\"><p itemprop=\"text\">A default notice is a letter requiring you to settle your loan within 28 days to avoid having a default registered. Any time more than 62 days elapse before you make a payment, this automatically triggers a default notice.<\/p>\r\n                <\/div><\/div><\/section>\n<section class=\"ms_faq ms_card \" ><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"accordionButton\"><h3 itemprop=\"name\">Will I need to provide proof of identity when applying for a loan?<\/h3> <\/div>\n<div class=\"accordionContent\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none;\"><p itemprop=\"text\">No. Ferratum uses an advanced, automated system to identify all applicants. The information you enter on the application form will be checked against other lenders\u2019 databases.<\/p>\r\n                <\/div><\/div><\/section>\n<\/div>\n<h2>UK Payday Loan Reviews- A-Z Directory<\/h2>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Ferratum Loans Review 2020|Support Services Around the Clock<br \/>\nLooking for a lender with extended repayment periods? Get \u00a3400 from Ferratum and repay in 120 days<\/p>\n","protected":false},"author":644,"featured_media":146316,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"class_list":["post-108","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":{"show_disclaimer":false},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ferratum Loans Review 2021 \ud83e\udd47 Support Services Around the Clock<\/title>\n<meta name=\"description\" content=\"Read our 2021 review on Ferratum Loans loan. We&#039;ve covered APR rates, fees, eligibility and more. 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