We can help get you approved with loans from £200 – £10000*

3FC Loans strives as a credit broker, not a lender to offer customers a clear, flexible, straight forward, and unbiased loans option to residents of the UK.

Accessible loan amounts and a variety of loans repayment periods, lets us empower customers to choose the right amount with the right repayment period for you.

Our aim is for your application decision to be made in the fastest possible time frame and achieve lightning fast funding.

Your information will be treated with respect and care throughout the entire process.

Our aim is always to help real people.

Decision in Minutes

Our range is designed to offer the right loan whatever your requirement

Borrow Money

Money sent after approval directly to your bank account

Lightning Fast Transfer

Our automated system agrees lending 24 hours a day, 7 days a week, 365 days a year

Rapid Transfer

We will process your application submission rapidly, passing you to the lender

Lending with Responsibility

We know our customers financial situations vary, with full explanation and account of this in our lenders policies.

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* Subject to lender approval and requirements.

3FCLoans is a trading name of 3FC Limited, registered in England and Wales, company number 10651936, Correspondence Address: 20-22, Wenlock Road, London, England, N1 7GU.

3FC Limited is Authorised and regulated by the Financial Conduct Authority (FRN: 777466) www.fca.org.uk Licensed by the Information Commissioners Office (registration number ZA246933).

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.

Advice about Loans


Example Scenarios: New Car Sales for Loans

We want to make you aware about some scenarios concerning new car sales, which have risen steadily in the UK for the last 5 years.

As of thus yet the upcoming exit of the UK from the European Union is not reflected in a slowing demand for new cars purchases.

Behind most of these purchases is some form of personal lending, and usually either a Personal Loans or a Personal Contract Purchase (PCP) product.

We’ll be discussing a little about both these options below.

This will aid in your decisions correctly for loans that we offer, after all we want to make sure that you are looked after appropriately.

An Agreement for PCP: First Choice

A PCP agreement can look very appetising and inviting as a means of getting you too behind the wheel of the car you want at an affordable monthly low price.

The Dealers and vehicle manufactures use PCPs as an innovative way of luring new customers to part with their deposits.

The Dealers and manufacturers also sign contracts and therefore hand over bank account details.

In return for enjoying a new or near new vehicle.

“This all sounds great!!!”

Customers buys a car, customers wants drive car, and potentially at an initially lower price.

In comparison than if I raided my savings and topped up with a personal loans for the car I want.

The surprises in PCP become clearer at the end of the term when you come back to the agreement provider.

Consequently at that point you have two further choices.

A first choice is to pay a balloon payment and own the car out right.

However, thus the balloon payment could well be far more than the car’s current value?

Many customers don’t realise they have not paid anything off the car and there is no equity at all.

The customer pays a monthly fee to drive it for the term agreed at the beginning.

Value for money and how long over time should you be considering?

Overall you are effectively renting the vehicle in a sense on a timed schedule.

Another potential risk thus that needs strong consideration is the mileage, therefore could also be above what was agreed for the term of the PCP.

Either at the start of the agreement, during or at the end a possibility of there being damage.

Not only to the vehicle such as scratches, small dents and curbed wheels could be costly.

Customers now find they are liable to pay for the extra mileage, rather than what they thought they are embarking into.

There may be and/or further damages not considered by providers as fair wear and tear, which can be a very inflexible interpretation.

An Agreement for PCP: Second Choice

The second choice at the end of a PCP agreement is to just return the car.

At which point the smiling loans salesman at the dealership will start encouraging you to choose another car.

Customers may pay a deposit, and go through another Personal Contract Purchase.

The cycle then begins again.

Can customers afford this or does this sound like an inviting option too?

This brings us to the other popular option to fund your car purchase: the personal loans.

In this scenario the customer chooses the car they want, and pays a deposit after finding the loan provider that suits their financial situation.

If customers don’t have enough savings, this is where 3FC Loans can assist in the right thoughtful short term and long terms goals.

The burden is not so heavy if you choose to buy through us, and most important a great support team throughout.

About loans

The term of the loan and the monthly repayments are fixed throughout the term, which means the customer knows exactly how much it will cost every month.

The outcome for this arrangement providing payments are made on time is that the customer pays off the car and it’s theirs to own and enjoys, with no more to pay.

When the time comes to buy a new car as the want or need changes, so does the customer owns the car?

Can customers sell or trade the vehicle as a deposit on the next car?

All options considered both financial products are available to help give you affordable options for your transport and lifestyle needs.

Recently the situation in the vehicle finance market has starting to shift in the UK market too.

Many customers who had taken PCP loans agreements found themselves locked into an expensive arrangement for a car which they will never own.

Some of these customers have complain to Consumer Affairs about what they think is unethical and unfair treatment.

In some cases what they were told by the seller of the PCP agreement didn’t match what was stated in the terms and conditions for loans.

Yet customers took out an agreement in good faith and are now unhappy with the outcome.

As a result… 

As our potential customers looking to buy a loans product from 3FC Loans you’ll be making the best decision for your individual circumstances.

Don’t think of this as a huge challenge, let us help you.

Especially in how these arrangements will continue to fit your life into the near future.

Don’t be afraid to ask for independent advice and conduct thorough research when making financial decisions and if it seems too good to be true maybe it is?

Remember that the choice is yours and as loans customers you’re always in the driver’s seat.

Lightning loans – Modern-Day Finance Markets

Lightning Loans

The Headline

The headline recently invites payday loan industries, all about lenders – CFO Lending – forced by the industry watchdog.

The FCA, to write off 10.9 million in outstanding loans and pay back 5.9 million in fees to customers.


Due to CFO Lending (six different brands), discovered to obtain money away from customer accounts without authorisation.

Lending companies correspondence threatening charged exorbitant and unwarranted fees.

But just what is less far less publicised the level to which Britain’s Lightning loans covering payday cleaned up its act over a two period.

Lending Efforts

The efforts lenders to comply with rules laid down by the FCA and improve self-regulation.

Probably resulted in a business that many commentators assert.

Indeed provides a service valuable to thousands of customers and folks on low incomes.

How lending that is payday back

In very early 2015, new rules governing lending payday introduced by the FCA.

Hence Governed the interest levels and that lightning loans lenders allowed to charge.

And the true range times allowed to ‘rollover’ repayments.


Almost whenever rules introduced, and many experts financially would signal the end of the sector.

Most of all Despite these warnings, and not only is the lightning loans payday still functioning.

First of all, many argue so it is for a firmer financial footing.


The reason people predicted an end to same payday lending restrictions on rollovers.

Many economists believe that without month-after-month delays on repaying the value that is full of loans.

The sector would be so unprofitable that virtually every lender pulls out.

In the event, nothing associated with the sort happened

Instead the lenders which are unscrupulous driven out of the market.

Hence leaving the more responsible loan providers and with better business models such as 3FC Loans most of all.

Online expansion

Same caps on rollovers achieved more than simply driving lenders that are unscrupulous.

Furthermore, forced the businesses to change the way them to cut costs and that they did business by forcing.

In addition leading to a far greater emphasis on online applications and approvals rather than the payday lending shops.

Common sight on the street that is high

Especially relevant,many lenders now sprung up online and all forced to adhere to the FCA’s regulations

But just what additionally become clear is that consumers – not just the industry.

Appreciated the ease with which they could quickly borrow money and same without hassle online.

The introduction of rollover restrictions and rate of interest caps also changed attitudes which can be public

Instead of destroying trust that is pubic the industry, the introduction of the new laws actually improved confidence in it according to several surveys.

The restrictions changed, almost the way in which lenders lend – and moved away from riskier decisions.

Credit that is basing on sound affordability assessments

Companies declining more applications from customers displayed as an excessive risk.

Consequently able to afford and to offer lower interest rates most of all.

The future of the loan industry that is payday

Just like the economic predictions within the aftermath that is immediate of Brexit vote have actually proven to be way too pessimistic.

Almost to look at predictions of the death of the same payday lightning loans sector.

Nearly two years on from the FCA’s new rules and, instead of an implosion.

Seeing a industry that is growing on a sound business model able to lend to folks who are more prone to poor repayment agreements.


As a result consolidation further payday lightning loans industry lenders with weaker business models may fall.

And those who occur regarding the edge of the FCA regulations are driven out.

Yet more powerful and fairer industry which will nevertheless almost be in a position to trade profitably.

Whilst that’s the same as the original needs of hundreds of thousands of people who use payday lightning loans responsibly.

Important to Note

Most noteworthy It’s important to note that there was absolutely almost nothing inherently wrong or same immoral about short-term lending to people on low incomes that are erratic.

So Such lending as old as the hills.

In Conclusion

What a cleaned-up lending that is payday does provide is a legal and regulated firewall against unscrupulous loan sharks.

Much as others who always try to prey on the most vulnerable people in society.

Finally 3FC Loans clearly enables the best professional Services considering lightning loans.