1. AM I ELIGIBLE FOR A EverRise Lenders LOAN?
To be eligible to apply for a EverRise Lenders loan, you must be at least 18 years old, a Usa resident and have a Usa bank account and debit card. You must also have a net income of at least £500 per month, and have a mobile phone. Get your application started by clicking here to be taken to our application form.
2. CAN YOU TELL ME IF I WILL BE ACCEPTED FOR A EverRise Lenders LOAN BEFORE I APPLY?
Unfortunately not. Each application we receive is assessed on an individual basis taking a number of factors into account. We are therefore unable to offer an indication of whether or not your application would be accepted before you submit it. Please remember, if you apply, this will leave a footprint on your credit file.
3. WILL I BE CREDIT CHECKED WHEN I APPLY?
As part of our commitment to responsible lending, we carry out credit and affordability checks on all applications submitted to us. This assists with fraud prevention and also ensures we only approve applications from people who we believe will be able to repay what they borrow. You can learn more about credit checks and how we use the information provided to us by Credit Reference Agencies (CRAs) by visiting the Your data section of our website.
4.HOW DO I APPLY?
All applications for a loan with EverRise Lenders have to be received through our website, where we have made the application process quick and easy to follow.
5.WHAT INFORMATION DO YOU NEED?
We’ll need your employer details, bank and debit card details (including sort code and account number), as well as three years of address history. We also need details of your income and expenditure, including any current financial obligations, to ensure our loans are affordable for you.
6. WHY DO YOU NEED BOTH MY BANK ACCOUNT AND DEBIT CARD DETAILS?
We ask for both your bank and debit card details as we use the information differently. We will deposit funds for successful applicants into your bank account, and we use your debit card to collect your repayments on your due dates.
Help with your application
IF I HAVE TO SEND DOCUMENTS, HOW LONG WILL IT BE UNTIL I FIND OUT IF MY APPLICATION HAS BEEN APPROVED? –We aim to check documents that are submitted to us as quickly as possible during opening hours and will email or text you to update you on your application as soon as we can, as well as updating the status of your application in your My Account area. Please click hereto log in to your account to check the status of your application, or contact our Customer Support Team on 1163183884 or info@everriselenders.com
WHAT IS THE ‘5 DAYS TO CHANGE YOUR MIND’ SERVICE, AND HOW CAN I USE IT? You can return the money you have borrowed within five days of taking out a loan, without paying any interest. Offering this promise is our way to be fair, and let you change your mind for whatever reason. No questions asked.
EverRise Lenders customers can use this service a maximum of three times per year, and it is only available by calling one of our customer services team on 1163183884 this cannot be done online.
Please note if you elect to change your mind we will not remove the footprint on your credit file so this will continue to show that you applied for and repaid a loan with us. This change your mind service is in addition to, and different from your statutory right of withdrawal described below.
MY APPLICATION HAS BEEN DECLINED – DOES THIS MEAN I WILL NEVER BE ABLE TO HAVE A EverRise Lenders ?–While we may have declined your application for a EverRise Lenders loan on this occasion, we understand that your circumstances may change in the future. We assess all applications on an individual basis, so if your financial position changes you are able to apply again. Please remember that each application you make will leave a footprint on your credit file and will be subject to credit and affordability checks.
Making repayments
HOW DO YOU COLLECT MY REPAYMENTS?
Your repayments are collected via Continuous Payment Authority, commonly referred to as a CPA. This simply means that unless you tell us otherwise, we’ll collect your repayments on your due date from your debit card, as set out in the terms of your agreement with us. You can cancel this CPA at any time either by contacting your bank directly, or by contacting us in writing, by email or by calling us on 1163183884 . If you do cancel CPA, you will still owe us your outstanding balance and you’ll need to make your repayments by an alternative method, such as using the payment feature in your My Account area, or by bank transfer, on or before each due date.
Our Customer Support Team will be able to give you all the options and details on how to pay us, and we’ll continue to send you payment reminders before each due date to help you keep track of your payments.
CAN I CHANGE THE REGULAR REPAYMENT AMOUNTS FOR MY EverRise Lenders ?
Yes. If you want to pay your loan back more quickly, simply log in to your online account and check your payment schedule options. You can choose to pay more each month to reduce the time it takes to repay your loan, saving you money on interest.
CAN I MAKE A ONE-OFF PAYMENT ON MY EverRise Lenders ?
Yes. If you want to make an extra payment against an individual loan, simply log in to your online account and select which loan you wish to make a payment towards. You can pay either using the debit card we hold details for on file, or an alternative card. Any additional payments you make will mean you save money on the total interest repayable on your loan.
HOW LONG WILL IT TAKE FOR MY ACCOUNT TO UPDATE TO SHOW THAT I’VE MADE A PAYMENT?
It may take up to an hour for our system to reflect that your payment has been received and to update your loan balance. You will get an email to let you know when we’ve successfully received your payment.
WHAT WILL HAPPEN IF I NEED TO MAKE A PAYMENT LATE, OR CAN’T AFFORD MY PAYMENTS?
If you experience or anticipate problems in making your payments on time, please contact our Customer Support Team straight away either by calling 1163183884 or by emailing info@everriselenders.com
At EverRise Lenders , we don’t charge you any late fees if you can’t make your payments on time, and we’ll do everything we can to help you get back on track, including providing details of how to get free, independent advice on your situation.