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Castle Finance Direct Terms and Conditions

These terms and conditions apply to you the client being the customer of Castle Finance Direct. They outline various parts of our services provided to you. Please read them carefully and don’t hesitate to contact us if you require further clarification. Castle Finance Direct are licensed credit brokers. The aim of our services is for the required credit, between yourself and or joint applicant and the lenders either directly or through a loan agent, to be arranged. The main purpose of our service is to cater for your loan application requirements through to our loan agents for you to obtain the desired loan amount applied for. In using our services you give Castle Finance Direct your full consent to pass your application data details to third party loan agents with regards to your endeavours to be serviced by an appropriate lending source that will meet your loan requirement, and you agree to cooperate with Castle Finance Directs lending agents lender panel in full toward that end. Your cooperation may include the sending in or the completing and signing of further documentation at the request of the lending agents lender panel before a credit agreement is forthcoming. Your cooperation is required by the lending agents if they ask for proof of income before the loan is granted. All applicants agree that in the process of them applying for a loan and accepting a loan offer a regulated credit agreement will be entered into by the applicant. This applies to all applications received through all affiliates/introducers. Some lenders may require a guarantor. If you have a CCJ, in all likelihood you may need a guarantor, all loans are subject to status and the interest charged for credit will depend on your circumstances. Applicants earning less than £750 per month will not be accepted.

Castle Finance Direct accepts loan applications based upon the data criteria outlined by our loan agents. Castle Finance Direct uses the term application acceptance on the basis that your application details meet the criteria outlined by the lending agents for onward processing by them. As such we rely upon the full honesty of you the client applying to us using our services on the basis that all application details are correct. By using our services, you must also be aware that your application data details are forwarded to specialist brokers and lending agents who may credit score your application details through a credit reference agency. All applicants earning less than £750 a month will be rejected.

For our services there is an administration fee charged which is payable by you the client for the use of our services. Our admin fee is £79. This is payable by debit card. We occasionally offer the admin fee at a reduced rate and as such this reduced rate will be displayed on your bank statement. Any waving of the fee is entirely at the discretion of the company. All loans are subject to final verification by the lenders and pay-outs are usually very prompt. When you the client make payment of the admin fee you will ensure that there are sufficient funds in your account for the relevant amount to clear. If your payment does not clear we reserve the right not to process your loan details further. We accept payment from you in good faith on the understanding that those funds will clear. Where we feel the application is fraudulent, we reserve the right not to deal or process these loan details any further. The admin fee will show on your bank statement as Castle Finance Direct. Any loans that are agreed and completed are between the relevant lenders introduced by Castle Finance Direct and you the client, and as such all agreements and credit agreements shall remain between the two parties.

By using our services, you are also accepting that Castle Finance Direct are not only entitled to receive your admin fee but also receive commissions from lenders or loan agents for introductions. The Representative (Typical) APR is clearly displayed on the front of the Castle Finance Direct website. The example repayment figures advertised and displayed on the website is based upon our Representative (Typical) APR. All repayment figures shown throughout the website are for a illustrative purposes only. The term Est. on our monthly repayment figures is an abbreviation of Estimated monthly repayments based upon our Representative APR, again this is for illustrated purposes only. The representative APR rates may vary depending on previous credit history and the loan providers available. Under Financial Services Distance Marketing Regulations 2004 you have a right to cancel within 14 days of applying. If you wish to cancel your application, you can email Castle Finance Direct notifying us at: It is our hope that you the customer will be delighted with our services and will introduce others to this website. We have nearly 15 years of experience in this field. Under section 155 of the Consumer Credit Act you are entitled to a refund of the admin fee minus a £5 admin charge if you do not receive your loan within 6 months of our introduction and are issued upon request.

Complaints Procedure and TCF Policy

If you have a complaint or enquiry about any part of the service you can send it to the email address below.

You should give your name, address and loan reference number.

You should then state what your enquiry or complaint is about.

You should send your enquiry or complaint to:

We aim to treat all customer enquiries or complaints in a fair and impartial manner.

We aim to reply as soon as possible.

If you are not happy with the outcome then you can complain to The Financial Ombudsman Service, Exchange Tower, London. E14 9SR.

Refund Procedure

Please send all refund requests to the email address below.

You should give your name, address and loan reference number.

Please update us immediately in the event of you changing your address.

You should send your request to:

We aim to deal with your request within 7 working days.




Representative 49.9% APR.
Representative Example: Borrow
£1000 repayable over 12 months. Payments would be £103.48 a month.
Total repayable would be £1,236.7

You are under no obligation by completing the application form. All applicants must be working either employed or self-employed. We are licensed credit brokers. All loans subject to final verification. Consumer Credit Licence No: 0544662 Castle Finance Direct are Independent Credit Brokers.


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