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Overview

“Adage Credit believes that you can achieve the dream carefully and in a measured manner by starting small.” By Solomon Mela
Adage Credit founder 2010

Our business is built upon the relationships we develop with our customers.

Adage credit core lending provision is to provide “community-lending style” attracting customers from the local communities, by words of mouth and recommendations. We believe that; customers are very ready to work with us because they have usually been turned down by one or more lenders and we can provide them peace of mind and a way to solve their financial problems.

Adage Credit is specialised in providing direct loans to local people (Short-term loans), and as a regulated and authorised credit broker, with the application of new technology in place, we are here to fund loans for every type of customer who are outside of our local areas of interest (Brokerage scheme).
Clients are advised to simply apply through us, if there are locals we deal with them direct and if otherwise we search the market for the best lender for their loan, and return the top result to them.

Short term (Personal Loans) Lending / Direct Loan

“Adage Credit believes that you can achieve the dream carefully and in a measured manner by starting small.” By Solomon Mela – Adage Credit founder 2010

Our business is built upon the relationships we develop with our customers.

Adage credit core lending provision is to provide “community-lending style” attracting customers from the local communities, by words of mouth and recommendations. We believe that; customers are very ready to work with us because they have usually been turned down by one or more lenders and we can provide them peace of mind and a way to solve their financial problems.

Adage Credit is specialised in providing direct loans to local people (Short-term loans), and as a regulated and authorised credit broker, with the application of new technology in place, we are here to fund loans for every type of customer who are outside of our local areas of interest (Brokerage scheme).
Clients are advised to simply apply through us, if there are locals we deal with them direct and if otherwise we search the market for the best lender for their loan, and return the top result to them.

Consumer Credit Association (CCA)

We voluntarily follow the CCA’s code of practice which sets out the standards of business practice for members of the CCA. This means customers get extra peace of mind for knowing that this additional protection exists.

Responsible Finance

In addition, we voluntarily follow the Responsible Finance’s code of practice which sets out the standards of business practice for the members of the Responsible Finance. This means customers get extra peace of mind form knowing that this additional protection exists

Adage credit in the Community

We believe people are at the heart of our business and therefore we strive to offer a community programme that aims to benefit those who live and work in the areas in which we operate.

APR Representative example:

£200 Loan repayable over 24 week;
24 weekly payments of £13.33;
Rate of interest 86.7% p.a. fixed;
Representative 732.70% APR;
Total amount payable is £320

How to apply for a loan online

To apply for a loan online you will need to complete the following steps:

1. Fill out information about yourself (i.e. personal details, bank information, income and expenditure).
2. Successfully complete a credit check online
3. Speak to an adviser who will call you to help you complete your loan application
4. If approved, you will need to agree to our loan terms in order to receive the funds.

Existing customers:

If you are an existing customer, you will need to let us know so we can prioritise your loan application. When you start filling out the form, we will ask if you have had a loan with us before. If you have, you can apply using Adage Credit app.

Direct Loan Credit Brokerage

Get an instant decision online up to £10,000.00 today

As a Credit Broker, we are here to help you find the right direct loan for you, nothing else.
Adage Credit online loans are here to make your life easier – if you’ve had an emergency and are in need of some cash to get you through – we’re here to help. Apply online and we can give you an instant decision so you can see whether you could be accepted for £100 to £10,000 loans (between 3 and 60 months). You could even get your loan on the same day.

Direct Loan – How it works

Here at Adage Credit we want to give our customers the best experience and result as possible.
At Adage Credit, we have access to a large panel of lender.

We compare the top direct loan lenders in the UK so you have the best chance of getting the cheapest loan rate through us. We always endeavour to be as flexible as possible, so we offer a loan for everyone – if you have been declined elsewhere, we still may be able to help. We also offer a free no hard credit footprint eligibility checker so you can apply with confidence.

At Adage Credit, we specialise in finding a loan for every type of customer – whether you have a perfect credit score or a lower than average one, we’re here to find the right lender for your circumstances. You simply apply through us, and we search the market for the best lender for your loan, and return the top result to you. Most of our lenders offer your cash on the same day as application, and some can even get your cash sent to your account in minutes! You then repay your loan over your chosen term, including the interest your lender will charge.

It’s easy to apply for a loan through us – our application form takes less than 5 minutes and you should be able to get an instant decision. You need to have a regular income and able to pay the loan back within your chosen term. You also need to be 18 or over and have a valid bank account with a debit card to apply for a loan with us.

Our application process is completely online, and there is no paperwork involved.