Warning: Late repayment can cause you serious money problems. For help, go to www.moneyhelper.org.uk
Responsible Lending
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk
Anico is committed to lending responsibly
We take responsible lending very seriously and only lend money to new or existing customers that can afford to repay the loan. At the same time we also urge all customers to borrow responsibly. Before applying for credit please ensure that you can afford to make the repayments.

When meeting or speaking with you, our Customer Services Representatives will be working with you to ensure that you are able to afford your payments.

Measures we employ to help ensure we are lending responsibly include:
  • Personal meetings or telephone interviews with our Customer Services Representatives.
  • Carrying out comprehensive identity verification and credit checks to assess affordability, sustainability and creditworthiness.
  • Ensuring net monthly income is taken into account when approving loan amounts, to ensure that you should be able to meet the scheduled repayments.
  • Being fully transparent upfront - all of the terms and conditions of the loan, as well as the charges, will be clearly displayed to you to help finalise your application and decide whether to borrow the money.

Responsible Borrowing
At the same time we also urge all customers to borrow responsibly. Remember that we offer short to medium term loans that enable you to access additional funds when you need them to cover additional expenses.

As a responsible lender we want to ensure that you can repay your loan comfortably in a way that is affordable to you. We urge you to assess your finances, since you know these better than anyone, and only apply for a loan with us if you are confident you can afford to repay it on the chosen due dates. We also urge you to be open and transparent with us so that we can properly assess your financial situation.

Free and Independent Debt-Counselling Organisations
If you are experiencing financial difficulties, these free and independent debt-counselling organisations may be able to help you:
Useful Organisations
Step Change
Debt Charity
Tel: 0800 138 1111
Citizens Advice
To find your local office, look in your phonebook
National Debtline
Tel: 0808 808 4000
Money Helper
Tel: 0800 138 7777
The Money Charity
Tel: 020 7062 8933
Be aware of loan sharks!
Loan sharks are illegal lenders who tend to target low income families who are in need of money. Loan sharks are very dangerous people to become involved with and should be avoided at all costs. Loan sharks may be friendly to start with, but even if you keep up with your repayments, any money that you do borrow will come at a high price. Read our article in full so you know what warning signs to look out for.
Secure site
Representative Example: If you borrowed £1,000 over 6 months you would repay £1,490 in total in 6 equal monthly instalments of £248. Total charge for credit is £490. Interest Rate 98% pa (fixed). Representative 382% APR.

Subject to status, including assessment of affordability, sustainability or creditworthiness. // Actual APR offered may vary depending upon loan term and payment schedule.

*All applications are subject to credit assessment, status and final checks before funding.
Call charges may apply depending upon your telephone provider. Calls may be recorded for training and security purposes.
Copyright © Anico Financial Services Limited 2016.
Registered office: Unit 2.02, 1 Filament Walk, London, SW18 4GQ. Registered in England & Wales Number: 7372140. Authorised and regulated by the Financial Conduct Authority licence number 718188. Site Design/Branding Diablo