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Warning

Late repayment can cause you serious money problems.

For help, go to moneyadviceservice.org.uk

Representative 1212% APR variable.

Sandhurst Associates Limited is an FCA authorised credit broker, not a lender.

All you need to know and more

Happy Dosh is a trading name of Sandhurst Associates Ltd authorised and regulated by the Financial Conduct Authority and is on the Financial Services Register under reference number 723591. It is also registered under the Data Protection Act 2018 under registration number Z2032925 and a member of the CFA and CSA.

We arrange short term loans from £100 to £2000 - you must be 18 or over and all applications are subject to status and affordability.

Our aim is to find you the lowest cost loan from our panel of Lenders, by the way we never charge fees and do not work with anyone who does.

RESPONSIBLE BROKERING POLICY

Our lenders / brokers do:

Our lenders / brokers do not:

Here at Happy Dosh we care because money matters. We are committed to responsible brokering and so we make the following commitments to you.

Our lenders / brokers will always do their best to help, which means they will always ensure that the loan they arrange for you is affordable given your circumstances. If you are ever in a position where you are not sure if you can manage your payments, then let your lender know and they can point you in the right direction, we and our lenders / brokers feel it is essential to our business that we offer support to all customers in financial difficulty, and we have taken precautions to make sure you don't get into any difficulty in the first place!

Below are some commonly asked questions about loan repayments and renewals.

What if I miss a payment?

If you think you are likely to miss any of your loan repayments as you are unable to afford it, then you should contact your lender immediately.

The penalty for missing any of your repayments can vary depending on which lender we were able to find you a loan with. In general, if a lender attempts to collect a payment on the date you specified with them when you took out the loan, and the payment fails, they will most likely attempt to contact you immediately to recover the missing amount. If they are unable to do so, then you may incur an additional fee which may be added to the balance of your loan (and possibly the fee).

Missing your loan repayments in this way will have a negative effect on your credit rating, the Credit Reference Agencies will be informed and make a note of your outstanding debt, and this may make it more difficult for you to obtain credit in the future. In extreme circumstances, if you continually miss payments for an extended period of time, certain lenders may transfer your debt to their debt collection partners, with any future communications regarding your debt being dealt with by them.

The bottom line is communication, if you think you may have trouble repaying your loan then simply speak with your lender as soon as possible, they will be able to explain to you your options in full, and may be able to agree a repayment schedule which suits you both.

What if I'm late with a payment?

Most lenders are flexible and will work with you to overcome any difficulties that you may have, but it is important that you contact your Lender when payment problems arise.

Taking longer to make a repayment may result in the loan extending beyond the original repayment date, in this situation the lender reserves the right to add additional interest to your loan. Your lender will clarify this with you when you contact them.

What if I am unable to afford the repayments?

If you are unable to afford the repayments you have agreed with your lender, then you should contact them as quickly as you can. In the vast majority of cases, lenders will be happy to work with you to agree a payment plan which is affordable to you.

You should never ignore the problem, as the lender will view this as an attempt to avoid repaying their loan, and they will take the necessary steps to recover their debt (see the 'Missing Payments' section).

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