First world problems.  We’ve all got them, all experienced them, and let’s be honest, often they’re related to money.  As much as we’d all love to “live the dream,” sometimes all it takes is a quick check of our bank balances to realise that the dream is not quite as practical as we’d  hoped it would be. 

Unbolted is an online-only peer-to-peer lender, with the aim of making cash quickly and readily available to any UK resident, whilst being upfront, straight-forward and completely transparent.  How is this achieved?

Firstly, the entire process is done online.  The application is completed online through a simple form.  You then upload a picture of the asset you wish to borrow against, and a decision can be made in as little as three hours.  Plus, for anyone worried about their credit rating, there are no checks!  What you borrow against is your item – so the amount loaned to you is dependent on what the item is deemed to be worth, not your current credit rating (all valuations are made by specialists in their field, be that by Unbolted’s own team, or through one of our specialist partners.  This critical role is occasionally outsourced to ensure realistic valuations for both borrowers and lenders).  In the unfortunate event that you default on your loan agreement and you’re unable to pay it back, the amount you owe is the amount of your asset.  The asset will be sold to make the money back, but if there is any surplus, this is returned directly to you. 

Unbolted offer market-beating rates on loans , but we go one step further with our best rate guarantee – if you do find a loan with a lower APR, we promise we’ll beat it. 

In case you’re still wondering whether to take a loan out with us, you can also rest assured that your data is held securely.  We only hold the minimum amount of data (as this is all we need), and we have no interest in passing it on to third parties.  This means that your loan is arranged with an immediate transfer into your designated account in complete privacy.

So, complete privacy, frank terms, low fees and no credit checks – the next time you need a loan, you really should "check it out"