Loans for people with low income

Terms of Use

Last updated: June 2026

These Terms of Use govern your use of the 1st‑Loan website. By using this website, you agree to these terms. If you do not agree, please do not use the site.

1. About us

1st‑Loan is a credit broker, not a lender. We introduce customers to lenders and finance providers who may be able to offer commercial finance products. We do not provide financial advice.

2. Website content

The information on this website is for general guidance only. It should not be relied upon as financial advice. While we aim to keep information accurate and up to date, we cannot guarantee this.

3. Commission disclosure

We may receive a commission or fee from lenders or finance providers when you enter into a finance agreement. This does not affect the price you pay. If you would like more information about how we are paid, please contact us.

4. Your responsibilities

You agree that:

  • Any information you provide is accurate and not misleading
  • You will not misuse the website or attempt to gain unauthorised access
  • You will not introduce malicious code or interfere with site functionality

5. Intellectual property

All content on this website is owned by or licensed to 1st‑Loan. You may not copy, reproduce, distribute or modify any content without our permission.

6. Links to third‑party websites

Our website may contain links to external sites. We are not responsible for their content, accuracy or privacy practices. You access third‑party sites at your own risk.

7. Limitation of liability

We are not liable for any loss or damage arising from your use of this website, including:

  • Losses caused by reliance on website content
  • Losses arising from third‑party websites
  • Business interruption, data loss or technical issues

Nothing in these terms excludes liability where it cannot be excluded by law.

8. Complaints

If you wish to make a complaint, please see our Complaints Policy: https://1st-loan.co.uk/complaints.html

You may also have the right to refer your complaint to the Financial Ombudsman Service.

9. Consumer Duty & Treating Customers Fairly

We are committed to delivering good customer outcomes and acting in your best interests in line with the FCA Consumer Duty and Treating Customers Fairly (TCF) principles.

10. Governing law

These terms are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.