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Last updated - 8th April 2026
What are the benefits of a top up loan?
Benefits of a top up loan are:
You can check how much a top-up loan might cost with no impact on your credit score
In most cases we're able to give you an instant decision
You'll get the extra money quickly, usually within 2 working days
If we've invited you to apply, you may have a higher chance of acceptance
You can agree to a new loan term, which can help if your circumstances have changed
Fixed monthly repayments can make budgeting easier
You can choose your repayment date in the app or online - useful if you have other borrowing
You can make overpayments or repay in full at any time.
Phone: Call us on: 0344 3519112 Opening hours: 9am - 6pm (Mon & Thu - Fri) and 10am - 6pm (Tue - Wed)