Frequently Asked Questions

Do you offer a competitive interest rate?

Rates start from 5.4% on secured loans. SJ Consultants has established long term relationships with lenders all over the UK. We can effectively negotiate favorable terms are your behalf and leverage our existing relationships to get you the best loan offer possible.

Can I consolidate my credit and reduce my monthly outgoings?

We are a leading provider of debt consolidation services. Our experts can help negotiate with the various lenders involved to get you in a manageable situation with one low monthly payment.

I have a poor credit history, can you help?

Helping good people with bad credit is one of our primary areas of operation and we are experts at dealing with complex situations. We can help deal with late mortgage loans, court judgments and all types of problem consumer debt.

Can I use the loan for any purpose?

Yes! We assist our clients every day in getting approved for all types of situations like personal expenses, home maintenance, cars and many others!

What will happen after I apply?

After you apply our experts will begin to work on your loan immediately. Your entire situation will be reviewed and we will match your situation with one of our many lenders. Our goal is to obtain your approval within 24 hours of application. Once we get an approval our underwriters will guide you through the loan process and get the money in your hands fast! The application is free and you are never obligated to accept at any time.

How quickly can I get my loan?

You can sometimes get approved for your loan in less than 2 hours from the time of application. Our loan experts will keep you informed at all times and communicate all of the necessary information to you quickly and clearly.

We process loans fast, so apply now to get your loan today. We are happy to process your application through our website or you can call one of your friendly staff members at 0208 295 3858

Can’t find the question you want answered?

If you can’t find what you need just send us an email to We do our best to respond within hours.