At Reto we look at every customer individually – that’s one key reason why we’re different. But we do have some basic criteria which you’ll have to satisfy before we can consider your application. You must:

• Be aged 18 to 80
• A Jersey or Guernsey resident
• Have an annual income of at least £15,000
• Have a UK or Channel Island bank account

• We’ll ask you to provide a bit more information, such as your bank account details.
• At this point you will need to accept the quotation and allow us to complete a full credit search to proceed with the application.
• If this is okay, we’ll send you the loan documents for you to review and sign.
• Once you return your signed documents, the money will be in your account within 24hrs.

For many people the best way to really get in control of their finances is a debt consolidation loan. Traditionally a consolidation loan will pay off all outstanding liabilities and transfer these into one new loan amount.

A consolidation loan has many advantages being just one loan, with single monthly payments over the agreed term and usually at a lower rate of interest.