EASY ASSESSMENT ENTERPRISES LTD

We want you to make an informed borrowing decision. Please read the following important information carefully before you submit a loan application.

1. Eligibility Check – do you qualify?

• You must be a salaried employee with a verifiable monthly income
• You must hold a valid UK bank account
• You must be able to provide your most recent payslip, biometric residence card, and passport
• You must have a guarantor who is employed and holds a UK bank account (the guarantor cannot live at the same address as you)
• You must be aged between 21 and 75 years

2. Understanding the costs

• Interest rate: 5% per month (flat rate on the outstanding balance). This is a monthly rate, not an annual APR. For example, borrowing £2,000 over 6 months costs a total of £2,584.08 (monthly repayment £430.68).
• Late payment fee: If you miss a payment, you will be charged £2 per day on the overdue amount, plus the overdue monthly interest.
• Early repayment: You may repay your loan in full or in part at any time with absolutely no penalty.
• Default: If a payment is more than 30 days overdue, the full outstanding balance becomes immediately due and payable.

3. Your guarantor

All loans require a guarantor. Your guarantor agrees to repay the loan if you are unable to. Before you apply, please make sure your guarantor:

• Is employed and has sufficient income or assets to cover the loan
• Holds a UK bank account
• Is someone who knows you personally (not a family member living at the same address)
• Has read and understood the full Guarantor Agreement

4. What you will need to complete your application

Please have the following ready before you start:

• Your personal details (full name, address, date of birth, contact information)
• Your employment details (employer name, job title, how often paid)
• Your bank account details (account number, sort code, bank name)
• Digital copies (photo or scan) of your most recent payslip, biometric residence card, and passport
• Your guarantor’s personal and employment details

5. Responsible lending commitment

Easy Assessment Enterprises Ltd is committed to responsible lending. We will only approve loans that are affordable based on your verified income and existing financial commitments. If you are already struggling with debt, we strongly advise you to seek free, impartial advice from organisations such as:

• StepChange Debt Charity – www.stepchange.org
• Citizens Advice – www.citizensadvice.org.uk
• National Debtline – www.nationaldebtline.org

By proceeding with your application, you confirm that you have read and understood the information above, that you meet our eligibility criteria, and that you can afford the monthly repayments.

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