You lend directly to us rather than to our customers. Therefore in the unlikely event that our customer is unable to repay their loan, you are fully protected. Whatever happens, you still get paid, on time, every month, guaranteed!

The identity checking and credit scoring systems that we use are ‘state of the art’ and are as good as, if not better than those used by the major financial institutions. They have been specifically developed for Perfect Personal Finance by a team of industry specialists and meet the very latest anti money laundering and anti fraud standards.

Our strict underwriting guidelines ensure that we keep potential defaults to a minimum, by only offering loans to those people who can afford to repay them, whilst at the same time making finance quickly and easily available to our customers.

We also have a rigorous credit control procedure which automatically comes into effect the moment a loan repayment is missed. We are committed to helping customers who experience genuine difficulties to overcome their problems, whilst maintaining their good credit rating.

These checks and safeguards form the foundation of our business and enable us to offer our lenders a guaranteed return on their investments.

Perfect Personal Finance is a member of the Consumer Credit Association. We are regulated by the Office Of Fair Trading and have a full Consumer Credit Licence