Personal Lending

If you have been turned down for credit MCF Loans may be able to help.

Simple and straightforward

Our application procedure is simple and straightforward and we will guide you through the process. As we are local, we try to be very understanding of local needs.

MCF Loans, just like any responsible lender, will only make loans that it expects to be repaid.

MCF Loans will not offer a loan if it means that an individual will just get further into debt. In these cases, we may, with the customer’s agreement, direct them to other agencies that may be able to help.

Payments by direct debit

MCF Loans is not a cash handling business. We pay loans and take payments by direct debit, directly via the customer’s bank account. If you haven’t got a bank account, we can help you open a NatWest Basic bank account at your local MCF branch.

Credit almost at high street rates

MCF Loans interest rates are slightly higher than the banks and building societies for an equivalent loan. Customers who come to us because they can’t get affordable credit will not be disappointed. If their application is successful, they will get credit almost at high street rates.

MCF is working in partnership with an award winning responsible finance provider, Five Lamps (‘Conduit’) to offer affordable personal loans of up to £1,000 (subject to status) at 89.9% APR. Apply online or by ringing 0300 111 0556 or 01332 341 153.