How to Fill Out the Little Loans Application Form

We understand that searching for a loan can be confusing, and you may be looking at our application form feeling nervous or overwhelmed. We’d like to take this time to walk you through our application, one step at a time.

Section One

• Loan amount: this means how much money you need to borrow. With Little Loans, you can search for a loan between £100 and £10,000. You should never borrow more money than you need to or can afford to pay back.
• Preferred loan term: this means how long you’d like to borrow the money for. The lenders on the Little Loans panel offer loans with repayment terms from 3 to 60 months, depending on the amount of money you need to borrow.

Section Two

People search for a loan for many reasons, including to help them pay for car repairs or a bill that they weren’t expecting.
In this section, please let us know why you are searching for a loan.

Section Three

In this section, we’d like to know about the house you live in.
Please tell us if you are a

• Homeowner: you own your house with or without a mortgage.
• Private tenant: you rent your house from a private landlord or letting agency.
• Council tenant: you rent your house from the council.
• Living with family: you live in a house with your family, but your name is not on the mortgage or your rent contract.

To be able to search for a loan with Little Loans, you must have a permanent address in the UK.

Section Four

Please tell us if you are

• Single: you are not married, and do not live with a partner.
• Married/ Civil partnership: you are legally married or in a Civil partnership.
• Living with partner: you share a house with your partner. This could be either a house you rent or have bought.
• Widowed: your husband or wife has passed away.
• Divorced: you are no longer legally married to an ex-husband or ex-wife.
• Other: any other situations that have not been covered in the options above. This could include being separated from your husband or wife, but not yet legally divorced.

Section Five

A dependent is someone who relies on you to provide for them financially. This could include children under 16, any older children who do not work, or elderly relatives who live with you.
For example, if you have two children under the age of 16 who are both in full-time education and live with you, they are classed as dependents.

Section Six

• Full-time: in the UK, you’re a full-time worker if you work 35 hours a week or more.
• Part-time: you work fewer than 35 hours a week.
• On benefits: you do not work, and you claim benefits.
• Self-employed: you work for yourself or own your own business or company.
• Full-time education: you are studying at college or university full-time. Please note that you must be over the age of 18 to search for a loan with Little Loans.

To search for a loan with Little Loans, you must have a regular income that is paid into your UK bank account. Some lenders might consider your application if you receive certain benefits; you can find out more about loans for people on benefits in our guide.

Section Seven

In this section, we’ll ask you how long you have been in your job, at university, on benefits, or how long you have been self-employed.
We’ll then ask you how often you are paid, and the next two dates you’ll be paid.

If you receive a pension or any benefits, we’ll ask how much this is.
If you don’t receive a pension or benefits, you can click the box that says None.

Section Eight

Please share your home address with us. You can either choose to search for your address using only your postcode, or you can enter your address in full yourself by clicking on the ‘Enter address manually’ button.

When written out in full, a UK address will look like this:

100 Example Lane
Village/town/city
County
Country
EX00 0EX

• 100 Example Lane: this is the first line of your address and includes your house number or name.
• Town: this is the village/town/city you live in (for example, Stockport or Crewe).
• County: for example, Cheshire or Derbyshire.
• Country: you must be a resident of the United Kingdom to search for a loan with Little Loans.
• EX00 0EX: this is your postcode and is made up of numbers and letters. If you’re not sure what your postcode is or how to find it, the Royal Mail postcode finder could help.

Section Nine

Please let us know how long you have lived at your address.
Some lenders only accept applications from people who have lived in the UK for a certain amount of time, such as 1 year or possibly 5 years.

Section Ten

• Mr: you are a man who is not a doctor (Dr).
• Miss: the title ‘Miss’ is usually used if you’re a woman and you are not married or a Dr.
• Mrs: if you are a married woman, your title will typically be ‘Mrs’, unless you’re a Dr.
• Ms: can be used for a woman who is married or unmarried.
• Dr: to use the title ‘Dr’, you must have relevant qualifications.

Section Eleven

Enter your first and last name as they are shown on any legal documents, such as your passport or driving licence. The name you enter on the form must match the name on your UK bank account.
Please do not add nicknames; for example, if your legal name is Nicholas, please do not type ‘Nick.’

If you don’t have a surname, you can enter your first name twice, or type ‘XXX’ in the ‘What’s your last name?’ box.
Let’s say your first name is Adam, and you do not have a last name. You could fill out the form in either of the ways below.

What's your first name?: Adam
What's your last name?: Adam

OR

What's your first name?: Adam
What's your last name?: XXX

Section Twelve

Please enter the date you were born, followed by the month and the year.
For example, if you were born on 1st February 1990, you would enter your date of birth like this: 01 02 1990.

Section Thirteen

Please enter your email address here. Don’t forget to check it is spelt correctly.

Section Fourteen

Please enter your UK mobile phone number, taking care to check it’s the right number.

Section Fifteen

If you click ‘yes’, you agree that we can send you emails, text messages, and/or WhatsApp messages.
Your application will not be affected if you choose ‘No’.
You can contact us at any time and ask us to stop sending you messages.

Section Sixteen

This section will ask you some questions about the bills you pay each month.

• Do you have any credit cards? If you answer ‘yes’, you’ll be asked how much you pay on your credit card account each month.
• Do you have any loans? If you answer ‘yes’, you’ll be asked how much you pay off your loan each month.
• How much do you pay towards utility bills? Please tell us how much you pay for water, gas, and electricity. If you share the bills with someone, just tell us the amount you pay.
• Your monthly transport costs? Transport costs include how much money you spend on petrol each month, as well as tickets you buy to travel on public transport, such as trains and buses.
• Your monthly food costs? How much money do you personally spend on food?
• Other monthly costs? This includes anything you need to spend money on every month, such as child maintenance, prescriptions, dentists or glasses, insurance, or pet care costs.

After you answer these questions, we’ll show you a simple summary of how much you spend each month. This helps you see how much money you might have left after paying for important things.
Before you look for a loan, make sure you can still pay for your essentials even after making the loan payments.

Section Seventeen

If you don’t have much credit history or it’s not very good, you may have a better chance of getting a smaller loan.
Our Quoteboost tool will also check for loans for a smaller amount that might suit you.

Section Eighteen

We ask for your bank details to check your information and make sure you’re able to receive money.

You should be able to find your sort code and account number on your bank statement, on your debit card, or in your online bank account. If you’re unsure, please contact your bank; they will be able to help you find the information you need.
A sort code has 6 numbers, like this: 12-34-56
An account number has 8 numbers, like this: 1234 5678

Important: please make sure that the name on your bank account matches the name on your Little Loans application form.

Little Loans will never take money from your bank account. Our credit broking service is completely free to use.

If you need further support

If you have any further questions, please contact our friendly team using our online form. We’re here to help Monday to Friday, between 9am and 5pm.

Need to talk to someone about money?

Are you worried about money?
Did you know that there are charities and organisations in the UK that can offer free money and debt advice? For help, please contact StepChange, MoneyHelper, Citizens Advice, and National Debtline.