Identity Requests

On some occasions we may ask for further proof of identity before releasing an order this is to confirm that the person placing the order is the same as the person receiving the order.  With all purchases buy out right or on finance the delivery address must match the applicants address. If during the security … Continued

Representative APR explained

UNSHACKLED.com’s finance providers can give you a response in 60 seconds. Loans Provided by Zopa, Omni Capital and Amigo, at rates from 9.7% APR. Representative 27.7% APR. Maximum APR 49.9% (variable). Representative Example: A loan of £500.00 over 24 months will cost you £26.61 per month at a representative 27.7% APR (fixed). The total cost … Continued

What is a guarantor loan?

There are three basic types of loan – secured, unsecured and guarantor loans. When a lender is deciding whether or not to give you a secured or unsecured loan, they will look at your credit profile, payment history, etc and use this to make a decision. This is great for people who have a long … Continued

Who are on your panel of lenders?

After assessing your eligibility you may either be offered a loan provided by Zopa or Omni, or a Guarantor Loan from Amigo Loans, whichever one is most suited to you. The loan you are offered is dependant on your personal credit profile and the lenders will make their decision based on the information you provide … Continued

Can I end my monthly payment plan early?

Zopa You can settle your loan in full early by using your direct debit you already have set up. Sign in to your account here and select My Zopa Loan. Select View details on the panel showing your active borrowing (which will have a status of Paid Out). Then select Make an extra payment. Omni … Continued

Am I Guaranteed to be offered a monthly payment plan?

We have carefully selected our panel of lenders so that, no matter what your personal circumstances, we will be able to offer you a monthly payment option. We wanted to ensure that anyone who had been turned down for a traditional phone contract or loan/credit card would still have choices when it came to buying … Continued