Completing an application for our ethical financing solutions is easy. All you’ll need to do is to prepare a few essential documents and fill out our form – right here, online and within a few minutes! Just get in touch with the EFCO team at 0800 102 159 if you have any questions or need assistance.

Basic Criteria

You must be at least 18 years of age or older to take out a loan with us.

We require evidence of a regular and stable income, so we know that you will be able to manage your loan repayments.

You must be able to repay both your loan while handling all existing outgoings. We may ask about your rent and mortgage payments, as well as any existing debts, such as loans, credit cards and store cards.

We cannot offer you a loan if you have recent loan defaults to other banks or financial institutions.

Things To Ready Before Application

Proof of income can take various forms - these can include bank statements, tax returns, payslips and signed letters from your employer. For business finance, we need financial statements, management accounts and financial projections.

Your identification can be in the form of a current driver’s license (compulsory required for vehicle finance) or a copy of your passport with the signature page. If you are a visa holder, we will also need a copy of your visa.

Your statement must be no older than 60 days from the date that you submit your application. That should be of the account of where you receive income. If you are self-employed, please also include the last 60 days of business bank statements.

To offer you a loan, we will need to see that you are in regular, stable employment. Therefore, we may ask for your employment history.