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If you have any questions about Loan Option and the service we offer, take a look at our FAQs. If you can't find the answer you're looking for, send us an email at the following address -

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Terms & Conditions

By using our website you are fully agreeing to these terms and conditions.

These Terms and Conditions are important, please read them carefully before agreeing to them. They exist to protect both you and us. We have tried to make these Terms and Conditions as simple and easy to understand as possible but if you do not understand anything in these Terms and Conditions then please feel free to get in touch via our contact us page.

If you do not agree with any of the terms and conditions, then please do not continue to use our website. By using our website, you are fully agreeing to these Terms and Conditions. We may change these Terms and Conditions from time to time. We will give you notice of any changes by posting those changes on our website. We will not vary the Term and Conditions which you have previously agreed to whilst using this website. However, please note that any amended Terms and Conditions will apply to your use of this website from the date they are posted and if you do not agree with the amended Terms and Conditions, you are entitled to cease using the website at that time.


Loan Option is a trading style of Loan Mart Ltd, a company registered in England and Wales with the registration number of 08254104.

Loan Mart Ltd registered address is 20–22 Wenlock Road, London N1 7GU.

Loan Mart Ltd Ltd are hereafter referred to as 'We'


We are authorised and regulated by the Financial Conduct Authority under registration number 734406

We are also licensed by the Information Commissioner Office under the Data Protection Act 1998, under number Z3371683


Loan Option is first and foremost, a free to use comparison site. We offer a free online service for comparing loans, and other similar products, which may change from time-to-time.

By providing us with information about yourself and your requirements, we will use our technology to match you with a product and, where we are able to, we will introduce you to a provider, or series of providers who we believe meet your requirements. We will also display all of your results in a comparison table for you to make your own decision.

Where you propose to enter into a separate agreement or policy with a product provider or service provider, you should refer to their terms and conditions, reading these carefully to ensure that you are comfortable with them.

Any product you may choose to select is your choice entirely.


We are NOT a lender and therefore do NOT lend money.

Any 'example repayments' provided on our website are based on information given to us by the different providers or have been acquired by our research team based on industry research. Therefore, we do not guarantee that the examples used on our website are the actual rates which you will receive as the actual rate of any loan will be down to your chosen lender.

We do not promise or otherwise guarantee to find you the cheapest loan for your circumstances

We may receive a commission from a product provider that you select. By agreeing to these terms and conditions you agree that we can keep any commission we receive from the product provider. (For more information on our revenue please see our Transparency Promise)


All the information you provide when using our service must be accurate and correct to the best of your knowledge.

You are not guaranteed access to credit by the use of our service.

This website is intended for use by UK residents and nothing within it or these Terms and Conditions constitutes an offer or promotion of services or products to persons living outside of the UK. Should you choose to continue and use our services outside of the UK, you do so at your own risk.


If you agree, we will contact you from time to time to offer you products and services that we think you might be interested in.

We will use Telephone, Email, SMS and postal mail to present these offers to you.

If you do not wish for us to use your data in this way, then you can use the 'Opt Out' option when signing up.

If you would like further information, please refer to our Privacy Policy.


We reserve the right to amend or withdraw our service at any time without prior notice.

We may update and change the content on the website at any time.

We may amend or update our terms and conditions at any time.


The copyright and material on this website is owned by Loan Mart Ltd and is protected by the copyright laws of the United Kingdom.


We set ourselves very high standards and do our utmost to maintain these high standards in everything that we do. In the rare situation where you may feel that we have got it wrong, then we want to hear from you. Please refer to our Complaints Policy which gives you all of the information you need to get in contact with us.

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We are committed to treating customers fairly and as a result we have outlined our Transparency Promise below for all our customers to view.

Our Promise

We believe it is important for anyone who is using our website to have a clear and fair understanding of how the website works, what it’s limitations are and how it’s financed.

How products are selected

All of the products listed on our website come from our own research. We visit many different websites, search through telephone directories and seek out advertising looking for financial products to list on Loan Option.

Once we find a new product, we then set out to find as much about it as we possibly can. To do this, we read reviews on independent review websites, look at every aspect of the product's own website and also search for any news and interesting details about that product that we think our users might find informative.

We then maintain this information and keep it up to date with regular reviews of the products. We do everything we can to make sure only reputable, suitable products are presented to our customers on the website.

We also do everything we can to locate every available product, but we know we are not perfect so cannot promise a whole-of-market solution for our customers.

We are committed to treating customers fairly and as a result we have outlined our Transparency Promise below for all of our customers to view.

How products are presented

Loan Option enables you sort your results by whats most important to you, whether thats the cheapest product (based on annual percentage rate) or the quickest payout. This means you will see the results most suited to your needs as chosen by you.

How the site is financed

When we have added a new product to the website we will sometimes build a relationship with that product provider. Then, if you apply for the product or take out the product we will receive a commission. That’s where we get our revenue.


We promise to provide you with the best and cheapest offers we can find and will not promote a product more highly on our website to generate ourselves revenue.

We promise to write simple and clear terms and conditions so you can understand our service.

We promise to treat your personal data in a secure and appropriate way at all times.

We promise to respond as quickly as possible to any enquiries you have.

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