SmartCheck or apply.

You can apply straight away, but it’s a good idea to use SmartCheck. See if you’ll be accepted and how much you could borrow before you apply. Get a result in 60 seconds without affecting your credit rating.*

1. Choose your loan
   Use the calculator to select a loan amount. You can choose weekly or monthly repayments and we’ll show you the total cost of your loan upfront. We don’t do hidden fees.
2. Enter your details
   If you choose SmartCheck, you can go on to make a full application. We’ll do a credit check and you’ll get an instant decision.
3. If you choose to apply straight away, there’s a short application form and you’ll get your decision in just a few minutes.
4. Either way, we’ll need your bank details, address history, contact number and income/outgoings.
5. Getting your money
   If you’re approved between 6am and 11pm, you’ll get the money within an hour.** We’ll set up a Continuous Payment Authority to take your repayments automatically.
6. Download our app
   We’ll send you an email with your loan agreement, but you’ll also find it in our app. The Satsuma app is the easiest way to keep track of your loans and repayments, and your eligibility to apply for further credit. We’ll also keep you up to date with messages and alerts.
7. Paying us back
   Repay weekly or monthly. If you struggle to manage your loan, don’t worry. There are no charges or fees for late or missed payments. You only ever pay back the amount you agreed upfront.
8. Here to help
   If you’ve got a question or need help with your loan, give our UK-based Customer Care team a call on 0800 694 0004 (free from most landlines) or call 0330 303 2000 (local rate number from mobiles).