We Offer loans between £125 and £500 the actual amount you are able to borrow will depend upon your own personal circumstances.

There are NO other fees or charges - what you see is what you pay, you will never incur any increase to the original Total Amount Payable at the loan's onset.

We look at your personal and financial circumstances, including your income and expenditure to make sure the repayments will be affordable to you, you must also have a verifiable and satisfactory credit file.

It normally takes 24 hours (weekdays) from first application.

We may search the files of a credit reference agency to confirm your identity and check your credit profile, this 'search' will be recorded on your credit file. We will also report your loan payment history with us to one or more credit reference agencies.

The Managers mobile phone numbers are also on the customer payment cards or you can contact the company direct on 01744 733000 .

Currently only Cash collection, Credit Transfer, Postal and/or Standing order, but payment by Debit Card will soon be available.

This can be arranged with your allocated Finance Representative.

If you change your mind within 14 days you can cancel/withdraw from the loan contract and so long as you repay the original loan advance in full within 30 days of receiving it no further charges apply.

You can repay your loan at any point and will receive a discount on the interest dependant upon what point in the loan's term you repay.

Talk to your Representative and they will agree an affordable reduced payment plan with you at no extra cost to you.

Currently, North Liverpool, Runcorn, St. Helens, Newton le Willows and South Manchester - however, new areas are opening soon.

We are committed to resolving complaints as quickly as possible. In the unlikely event that you wish to make a complaint, please put this in writing and send it to the following address:

First Class Finance Ltd
Complaints Department
69a Corporation Street
St. Helens
WA10 1SX

We will acknowledge receipt of the complaint within five working days and we hope to provide a final response within four weeks. We will write to you again within four weeks if we are unable to provide a final response within that time period. In any event we will respond to your complaint in full within eight weeks.

If you are not satisfied with our response, or if a complaint is not resolved after eight weeks, you may refer the complaint to:

The Financial Ombudsman Service
Exchange Tower
London
E14 9SR

FCF are members of the Consumer Credit Association which "is the informed and influential force in the home credit industry. It was founded in 1978 to establish, monitor and maintain standards". the CCA's primary role today is to focus on "delivering the highest possible level of service quality, ethics and responsibility."

The association has over 420 member businesses which range from large public limited companies to small firms. "All of these have been assessed to ensure their conduct and competence meets the CCA’s high standards and they all have to comply with our Constitution and Code of Practice" (excerpt quoted from the CCA's website).