Responsible Lending

Our Commitment

Creditora is a credit broker, not a lender. We're committed to credit being provided responsibly across our panel: we aim to introduce you only to lenders and finance providers likely to offer credit you can afford, and to broker your enquiry responsibly. The lender makes the final decision and carries out the formal affordability assessment.

1. Affordability

Lenders and finance providers on our panel carry out a full affordability assessment before they approve any loan. To help match you with lenders likely to lend to you affordably, we collect and pass on information about your:

• Income and employment status
• Regular expenditure
• Existing credit commitments
• Credit history and overall financial situation

We aim not to introduce you to credit that appears unaffordable for you. The decision to lend, and the affordability check behind it, rests with the lender.

2. Clear Information

Before you accept any credit agreement, your lender will explain:

• The amount you will borrow
• The interest rate and APR
• The repayment schedule
• The total amount you will repay
• Any fees or charges
• What happens if you miss a payment
• Your right to withdraw within 14 days

We will always be clear that we introduce you to lenders rather than lending to you ourselves.

3. Credit Checks

• Soft search: Our eligibility check may use a soft search. This won't affect your credit score and is only visible to you.
• Hard search: If you proceed with a lender, that lender may carry out a hard credit check. They will always tell you before they do this.

4. If You're Struggling to Repay

If you're having difficulty with repayments on a loan you've taken out, contact your lender as soon as possible. They can discuss the options available to you, and the sooner you speak to them the more they can usually do. You can also get free, independent debt advice from the organisations listed below. Ignoring payment difficulties tends to make them worse.

5. Forbearance from Your Lender

If you're in temporary financial difficulty, your lender may be able to help — for example through a payment holiday, reduced payments for a period, a longer term to lower your payments, or freezing interest in exceptional circumstances. What's available depends on your lender and your agreement, so ask your lender what support they offer.

6. Avoiding Over-Indebtedness

We don't want our service to leave you over-indebted, so:

• We won't knowingly introduce you to credit that appears unaffordable for you
• We don't design our service to build up multiple simultaneous loans
• We keep our matching criteria under review
• A lender may decline you even if you meet basic eligibility — meeting our criteria does not guarantee an offer

7. Vulnerable Customers

We take extra care with customers in vulnerable circumstances — for example mental health difficulties, serious illness, bereavement, relationship breakdown, or financial hardship. If any of this applies to you, please tell us so we can handle your enquiry with appropriate care and point you toward suitable support.

8. Free Debt Advice

If you're struggling with debt, free advice is available from:

9. Regulatory Compliance

Creditora is a trading style of Trust Claims Pro Ltd, an Appointed Representative of Hotpond Media Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA). We follow the FCA rules relevant to our activities as a credit broker.

10. Questions or Concerns?

Contact us through our contact form.

Trust Claims Pro Ltd (trading as Creditora)
235 Tonge Moor Road, Bolton, England, BL2 2HR