We are an Introducer Appointed Representative of Quint Group Limited, who are a credit broker, not a lender. OinkMoney.com Introduces customers to Monevo Ltd who are an Appointed Representative of Quint Group Ltd for the purposes of obtaining a loan. Oink Money does not provide any loan or consumer credit products directly.

Loans frequently asked questions

Here you can find a list of the key questions which our customers most commonly ask us.


Is Oink Money a direct Lender?

No, we do not lend directly. We are a loan introducer. We introduce you to brokers and lenders for the purpose of obtaining a loan.

Am I eligible for a UK Loan through Oink Money?

To be eligible for any of our lender's products you must:

  • Be Over 18
  • Be a UK Resident
  • Receive an Income
  • Have a valid UK Bank Account with a debit card

Criteria will vary for each lender, but the above criteria must be met as a minimum. In the case of guarantor loans, you must find a suitable guarantor who will vouch for your ability to keep up repayments.

How long is the application process?

On average, our users complete and submit our fast and simple application form within minutes.

As long as your details have been entered correctly, the Monevo software will almost instantly match your information with the requirements the panel of lenders, all within a matter of seconds.

Once you've been accepted by one of the providers you'll be taken to the loan agreement page and, if you agree with the offer, the money will be transferred to your account via electronic bank transfer - often straight away.

How much can I borrow?

Depending on the type of loan you're applying for, you can ask for any amount between £100 and £25,000.

The exact amount you can borrow will vary by lender and will depend on your circumstances.

Short Term Loans Personal Unsecured Loans Guarantor Loans
Amount Up to £3,000 From £1,000 to £25,000 From £100 to £15,000
Rates From 278% - 1576% From 5.7% to 278% From 49.7% to 49.9%

How will the funds be paid to me?

Loans will typically be paid directly into your bank account by electronic transfer. Please check the terms and conditions of your loan agreement for the exact payment method.

How quickly will I receive the money?

Applications made before 3pm on weekdays may be paid into a bank account on the same working day. Applications sent and accepted after 3pm or at weekends will typically receive the funds on the next working day. The time taken to receive the funds varies between lenders - some applicants may receive the funds in as little as 15 minutes however please check with your provider for exact timescales.

For some applications where further information or a co-signature is required, the process can take longer - typically between 1-3 working days. Please check your agreement for exact timescales or confirm with the lender before accepting.

How will I repay my Loan?

The lender may offer you a number of repayment options. The most common way to repayment the amount borrowed is by Direct Debit or Standing Order from a bank account. You may be given the option to pay the balance of your loan early - please check with your lender for any penalties or extra charges.

What is Representative APR (RAPR) and how does it affect me?

RAPR stands for 'Representative Annual Percentage Rate'. This is a rate of interest which 51% or more of successful applicants will receive against a specific loan. Using the Representative APR can assist you in comparing loan products and is often better suited to medium - long term loans.

For example, a loan advertised at Representative 30% APR means that 51% or more of the accepted applicants receive 30% as their annual rate of interest. The other 49% could get a different rate which may be more or less.

RAPR is given as an annual figure, which is why it sometimes appears high (for example, short term loans which are not intended to be taken out for a long period of time will show a much higher rate). In these instances it may be better to focus on how much your repayments will be, as in this case it is much more representative than the RAPR, however you may still want to compare the representative APRs from different lenders when researching loans.

I have poor credit history - can you help?

Many of Monevo's lenders offer products designed for those with poor credit ratings. Please only use this service to borrow money if you are able to keep up the repayments. If you are experiencing financial difficulty, we advise you to seek professional financial help before applying for any further credit.

Do Oink Money carry out a credit check as part of the application?

We will not carry out a credit check as part of the application process. Once you have been matched with a lender, they will carry out a credit check in order to assess your credit worthiness and ability to repay any loan.

Which lenders do Monevo work with?

Monevo work with a large number of lenders and brokers. Some of these are:

  • MyJar
  • Pounds to Pocket
  • Satsuma Loans
  • Sunny Loans
  • Amigo Loans
  • Lending Stream
  • The Money Shop
  • ... and many others.

What do you use my personal information for?

We will introduce you to Monevo who will introduce you to loan providers and other brokers. Monevo use your information to make sure you're a good fit with one or more of the lenders from their panel. The lenders will then use your information to judge whether or not they can provide you with one of their products and your ability to repay if you're successful.

If you consent to Monevo marketing to you, you may receive marketing messages from Monevo and their trusted partners in relation to similar products. For more information about how your information will be used, please visit Monevo’s Privacy Policy and Oink Money’s Privacy Policy.

What if I have difficulty repaying my loan?

You should always consult the lender directly if you have any problems repaying, as they may be in the position to offer you some repayment alternatives. Please check the terms and conditions of your loan agreement before accepting, as these will detail any specific processes the lender has in place.

Late repayment can cause you serious money problems. For help you should visit www.moneyadviceservice.org.uk.

We are an Introducer Appointed Representative of Quint Group Limited, who are a credit broker, not a lender.

OinkMoney.com Introduces customers to Monevo Ltd who are an Appointed Representative of Quint Group Ltd for the purposes of obtaining a loan. Oink Money does not provide any loan or consumer credit products directly. We do not make short term loan or credit decisions.

We do not charge any fees. If you are contacted by anyone saying they are calling from Oink Money requesting you make them a payment, you should report this to www.actionfraud.police.uk immediately. We will never contact you asking for a payment.

*The loan amount and interest rate you are offered are subject to lenders requirements and approval. If accepted by a lender, a full credit check will be carried out. If Monevo are unable to find you a loan, they may offer you an alternative product. The time it takes for the funds to appear in your account may take longer, and will depend on your bank and the lender's own policies and procedures.