Responsible Lending
At JL Money, we are committed to offering viable loan solutions that help to ease the load when financial difficulties strike.
About Us
Tailor made loans to suit you
We know that a one-size-fits-all approach doesn’t work when it comes to loans. we have created a range of different loans, tailor-made to suit most types of borrower; from those looking to bridge the gap when an unexpected household bill comes in, to those at risk of home repossession who have been refused by other lenders.
We work with you to find a way
We look at the person, not just the application form. It’s not a problem if you’ve got poor credit history or CCJs, we’re happy to consider every application and will work with you to establish a loan and repayment plan that you can afford.
We're a responsible lender
Above all, we’re a responsible lender; we constantly review our products to ensure we’re offering the best rates available. If we don’t feel a loan is right for you, we’ll tell you, and we’ll recommend that you consider other options as a potential solution.
Our History
Established 2004
JL Money began life trading as Jeremy Lawrence Limited back in 2004, initially as a broker dedicated to helping those who had traditionally been refused credit by high street banks. Over time, we began to offer loans directly to those in search of a financial solution.
Now known simply as JL Money, we operate as a small yet specialist team with over 40 years of combined financial services experience under our belts, specialising in personal guarantor, business and secured loans.
Warning: business loans to corporate bodies (e.g. private limited companies) are not regulated by the FCA.
Our mission is to provide an understanding, flexible service that enables those who have been traditionally refused elsewhere to get the financial support they need when times are tough.
We’re also committed to offering an affordable loan product, so continually look for ways in which to reduce the costs of our loans to directly benefit our consumer.
Despite primarily being an online service, we have firmly established offices in South East London and are looking to expand into the Home Counties. We like to really get to know our customers, and welcome you to give us a call or drop in our offices, where one of our friendly team will talk you through any questions you may have about your application.
How We’re Different
We’re not like other loan providers on the market. Not only do we offer a lower APR than many of our competitors, but we’re above all dedicated to offering a flexible, responsible lending service.
We’re honest about loans not always being the best financial solution to cashflow problems and will never lend to those who can’t afford to repay what they’ve borrowed. If we don’t think a loan is right for you, we’ll let you know. We won’t charge you any early repayment fees, either; it’s simply not what we do.
We’re also consistently looking for new ways to reduce the cost of your borrowing, so you can be confident in the knowledge that you’re always going to get competitive rates.
We’re proud to be regulated by the Financial Conduct Authority (FCA) and each of our advisors goes through a rigorous training programme when joining the customer services team. This ensures that every one of our customers is given the best possible service and dedicated support; either in person or over the phone.
Our Values
Personal Approach
We see the person behind the application. We will always consider your personal circumstances on a case-by-case basis and work with you to establish the best financial solution. We also like to get to know each and every one of our customers, and are more than happy to chat through any questions you may have over the phone or in person.
Responsible Lending
We are dedicated to helping those in need to find the best financial solution for them. We will always look at bank statements and credit history to assess whether or not you can afford a loan in the first instance, and we don’t lend to the unemployed. If a loan isn’t right for you, we’ll let you know. It’s as simple as that.
Understanding
Unlike many other lenders, we look at more than just your credit history to assess whether or not we’re able to offer you a loan. We also understand that sometimes, things happen. That’s why we don’t charge any fees for late or missed payments. Instead, we’ll work with you to establish a repayment plan that works better for you, to enable you to get back on track.
Transparency
We understand that loans can be confusing. We work with you to establish the loan product that meets your needs best and are honest if we’re not the right option for you. With every loan, you will also get a clear breakdown of your repayment schedule and what you owe, meaning you always know where you stand. No hidden costs or surprises; ever.
Affordable Value
We offer a lower APR than many of our competitors and consistently review our products to ensure we’re giving you the best possible rates.
Financial Knowledge
We’re committed to helping you build your financial knowledge in order to make informed decisions moving forward. To do this, we’ve launched a series of blogs dedicated to different elements of financial decision making, explaining the ‘need to know’ facts on a variety of different financial topics in a clear and straightforward way.