Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk :: To compare loans, click here

Important Information about Savvy and our services.

► How can I contact Savvy.co.uk?

We are a trading name of Valour Finance Limited which is authorised and regulated by the Financial Conduct Authority.

Company Registration Number 6034431.
Firm Reference Number 718303.
Data Protection Z1012907.

Registered Office

Valour Finance Limited
First Floor
Highbank House
Exchange Street




Underwriting: 0330 002 0117

Customer Care: 0330 002 0118

Freephone: 0800 007 5888

► What are the website terms for Savvy.co.uk?

Terms and Conditions of use and access to Savvy.co.uk website and portal

The use of our Website is subject to the terms and conditions set out below. Please take a moment to read these terms and conditions carefully. By using or accessing any of our Website, you agree to be bound by the following terms and conditions.


The copyright and material on this website is owned by Savvy.co.uk (a trading style of Valour Finance Limited) and is protected by the copyright laws of the United Kingdom. The material on this website may only be used by those who access it from the United Kingdom and such users will be entitled to copy any such information for their own personal use but may not republish, store or reproduce any such information in any manner, including but not limited to electronic reproduction, without the prior written consent of Savvy.co.uk. Any unauthorised downloading, retransmission, or other copying or modification of any of the contents of this website may be in breach of statutory or common law rights which could be the subject of legal action. Savvy.co.uk disclaims all liability which may result from any unauthorised reproduction or use of the information on this website.


Savvy.co.uk shall not be liable for any direct or indirect, special, incidental or consequential damages, including the loss of profits, business revenue or goodwill arising from the use or access of or inability to use or access, interruption or availability of this website, its operation or transmission, computer viruses, loss of data or otherwise in respect of its use.

Any exclusions or limitations or restrictions of liability contained in these terms and conditions of use and access of this website shall be subject to the qualification that nothing contained in any such exclusion or limitations or restrictions of liability shall operate to exclude or restrict any duty or liability of Savvy.co.uk to any person which it has under the Financial Services and Markets Act 2000 or its amendments.


The information, materials and functions contained in this website including text, graphics, links or other items are provided on an "as is" basis excluding any warranty whatsoever, express or implied, including but not limited to warranties of satisfactory quality, fitness for a particular purpose or freedom from computer viruses. Savvy.co.uk excludes any liability for any errors in or omissions from information, materials, and functions included in this website or any third party Websites linked to or from this website.


This website is intended to be accessed only by persons located in the UK and Savvy.co.uk makes no representation that any information, materials, or functions included in this website are appropriate for use in any other jurisdiction. However, if you are unsure whether the products and services referred to on this website are available to you, please write to us at: Savvy.co.uk, First Floor, Highbank House, Exchange Street, Stockport, England, SK3 0ET.

Personal Data & Privacy Policy

As the Internet is not a secure medium of communication, Savvy.co.uk cannot guarantee the security of any information you input on this website or send to us on the Internet. Savvy.co.uk is not, and will not be, responsible for any damages you or others may suffer as a result of the loss of confidentiality of any such information.

To minimise the possible risks associated with the provision of personal data, every on-line application on this website is encrypted using 256-bit encryption - the latest and most powerful encryption technology available. This ensures information is virtually impossible for anyone else to read unless they have the 'key' or password. A secure communications link, called a Secure Socket Layer (SSL), encrypts all the information passed between your browser and Savvy.co.uk online applications.

For further information on how your personal data is used, stored and retained please refer to our privacy policy on the homepage.

Web Links

The provision of Savvy.co.uk of a link to another Website does not constitute any authorisation by Savvy.co.uk to the user to access material held at that location, nor is it evidence of any endorsement by Savvy.co.uk of the material held there. Savvy.co.uk accepts no responsibility or liability for the privacy of your personal information on such Websites, as these are beyond our control Savvy.co.uk will accept no responsibility or liability in respect of any materials on any Website which is not under its control, these sites contain their own privacy policy, and the user should ensure they have read and understood them prior to providing them any data.

Website Problems

This website has been extensively tested and should work properly at all times. However, if you experience a problem at any time, please return to the homepage and try again. If the problem persists you can contact us by following the link on the 'Contact Us' page.


In the event any provision of these terms and conditions of use and access to this website is held unenforceable, it will not affect the validity and enforceability of the remaining provisions and will be replaced by an enforceable provision that comes the closest to the intention underlying the unenforceable provision.


Information provided in this website is believed to be reliable when posted. However, Savvy.co.uk cannot guarantee that information will be accurate, complete and current at all times. All information on this website is subject to modification from time to time without notice.

Governing Laws

The terms and conditions of use of this website shall be governed by and construed in accordance with the laws of England and Wales.

► How can I make a complaint to Savvy.co.uk?

Complaints Procedure

At Savvy.co.uk we always aim to provide a high standard of service, and ensure our customers are treated fairly, however, we understand that there may be times when our customers may be unhappy. In such cases we welcome feedback and the opportunity to put things right. We aim to ensure that all complaints are handled and resolved as quickly as possible and we always aim to provide satisfaction to our customers wherever possible.

Making a complaint

You can make a complaint to us in a number of ways:

  1. By telephoning 0330 002 0118
  2. By emailing complaints@savvy.co.uk
  3. By writing to the Complaints Department, Savvy.co.uk, Highbank House, Exchange Street, Stockport, Greater Manchester, SK3 0ET.

Please provide us with as much information as possible so that we can understand and investigate your complaint efficiently. This information should include:

  • Your full name and address;
  • A daytime contact telephone number;
  • Full details of your complaint including statement of fact **;
  • Your loan account details;
  • Details of what you would like us to do to put things right;
  • Photocopies of any relevant paperwork.

** Please be aware from your statement of fact should it appear likely that you purposely withheld information or gave us information you knew to be false on your loan application we may enter an investigation into whether the loan application was indeed fraudulent and if so, may pass the details over to the Police Action Fraud hotline for investigation.

How we will deal with your complaint

We will endeavour to resolve your complaint quickly, however, this might not always be possible. In that event we will send you a written or electronic acknowledgement of your complaint within 5 business days of receipt.

Within eight weeks of receiving your complaint, we will endeavour to provide you with a Final Response Letter. If however we are not in a position to do so we will write to you explaining why we are still unable to give a final response, giving the reasons for the delay, indicating when you should expect to receive a final response and providing details of your right to refer your complaint to the Financial Ombudsman Service, if you are dissatisfied with the delay.

If you are having financial difficulties, please call 0330 002 0118 but please be aware that by making a complaint we likely have no obligation to place your payments on hold whilst the complaint is investigated in line with FCA guidelines.

How we will deal with any redress

Should your complaint be partially or fully upheld, then any redress owed to you will firstly be offset against any debts owed to us, and thereafter will be paid directly to you. We will never pay any redress to any third party, or claims management company regardless of their terms and conditions or any contractual agreement you may have made with them.

Financial Ombudsman Service

If after complaining to ourselves and receiving our Final Response Letter you are still not satisfied, then you can refer the complaint to Financial Ombudsman Service for further advice and guidance – this must be done within 6 months of your receipt of our Final Response Letter.

You can contact the Financial Ombudsman Service as follows:
In writing: Financial Ombudsman Service, Exchange Tower, London, E14 9SR
By telephone: 0800 023 4567
Email: complaint.info@financial-ombudsman.org.uk
Online: https://www.financial-ombudsman.org.uk

► What is the cookie policy for Savvy.co.uk?


Cookies help us to provide you with a good experience when you browse our website and allows us to improve our site. In agreement with the European Privacy and Electronic Communications Regulations we will regularly conduct an Audit of Cookies used on our website.

The cookies we may use are:

Strictly necessary cookies

These are cookies that are required for the operation of our website. They may include, for example, cookies that enable you to log into secure areas of our website.

Analytical/performance cookies

These are cookies that allow us to recognise and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily.

Functionality cookies

These are used to recognise you when you return to our website. This enables us to personalise our content for you and remember your preferences.

You can find more information about the individual cookies we use and the purposes for which we use them in the details below:

The cookies used on this website are Google Analytics (used to generate statistics about visitors) & Add This (Used for social media sharing)

Targeting cookies

These cookies record your visit to our website, the pages you have visited and the links you have followed. We will use this information to make our website and the advertising displayed on it more relevant to your interests. We may also share this information with third parties for this purpose.

How to prevent the use of cookies

If you want to prevent the use of cookies or restrict them whilst browsing websites you can do this via the settings on your internet browser.

For more information about managing cookies, please see http://www.aboutcookies.org/

► About our loans & charges

As a responsible lender we will always perform credit searches on you to confirm if you can afford the loan we are considering paying to you. We urge you to consider carefully if you can afford the repayments before applying for a loan product from Savvy.co.uk.

We will also perform a review of your finances with you to ensure that you can afford the loan repayments easily. We will usually ask you to scan and send copies of your bank statement and pay slips when we are assessing your loan where required.

In some cases we may approve your loan for a smaller amount than you initially applied for but we will always provide details of any loan offer to you in writing so that you can decide if you wish to proceed or not.

Our Charges

At Savvy.co.uk we aim to be transparent with all of our interest and charges. Our loan terms start at 6 months and go up to a maximum of 12 months. Our charges for loans are tiered. We lend £300 to £500 over 6 months. We lend £501 to £700 over 8 months. We lend £701 to £900 over 10 months. We lend £901 to £1,200 over 12 months. Please see the loan examples below.

6 Month Loan Example

Borrow - monthly repayments of .
Total cost of credit which is interest at pa fixed. Total amount repayable . Representative APR.

8 Month Loan Example

Borrow - monthly repayments of .
Total cost of credit which is interest at pa fixed. Total amount repayable . Representative APR.

10 Month Loan Example

Borrow - monthly repayments of .
Total cost of credit which is interest at pa fixed. Total amount repayable . Representative APR.

12 Month Loan Example

Borrow - monthly repayments of .
Total cost of credit which is interest at pa fixed. Total amount repayable . Representative APR.

Please take the time to read our terms of business and your finance agreement carefully before arranging your loan online.

► About debt help & advice

General Debt Warning

A loan should never be used as a long term debt solution. If you are experiencing debt problems we recommend that you click here to visit Money Helper.

If you experience or anticipate problems in making your payments on time, please contact our Customer Care Team straight away by calling 0330 002 0118. If you can't make any repayment on time, we'll do everything we can to help you, including providing details of how to get free, independent advice on your situation.

If you let us know you can't repay on time, we may try to set up a repayment arrangement with you. Firstly we will complete an income and expenditure form. This will help us understand your financial circumstances so we can try to arrange a fair, affordable, and flexible repayment plan.

You should be aware that if you miss or make late repayments we share this information with credit reference agencies, and this may make it harder for you to obtain credit in the future.

If you feel you'll benefit from free, independent money advice, you can contact these organisations:

Step Change Debt Charity

Website: www.stepchange.org
Telephone: 0800 138 1111
Email: www.stepchange.org/contactus/sendusanemail

Citizens Advice Bureau

Website: www.citizensadvice.org.uk
Telephone: You can find details of your local CAB by going to the website above and using the search facility.
Email: You can find details of your local CAB by going to the website above and using the search facility.

National Debtline

Website: www.nationaldebtline.org
Telephone: 0808 808 4000
Email: www.nationaldebtline.org/EW/Pages/Email-us-for-Advice

► Loan jargon buster

Loan Jargon Explained

A loan is a sum of money provided as credit by a lender with a loan agreement that clearly explains what you will pay back along with the costs of interest and also any charges.

There are different types of loans:

  • Personal Loans: These are loans of various sizes that you can use for any purpose, and are given based on your personal credit history.
  • Unsecured Loans: These loans aren't secured with any asset and are provided on the basis of 'good faith', which is the lender's belief that you can repaybased on credit history and other factors.
  • Secured Loans: These are backed up with an asset, which can be repossessed by the lender should you be unable to pay. Car finance and secured loans are common examples.
  • Instalment Loans: These loans allow borrowers to repay the loan in several smaller payments rather than one large payment.
  • Guarantor Loans: These are loans where the lender requires the borrower to have a guarantor. If the lender pays back the loan on time the guarantor does not have to do anything, however, if there are problems with repayments then the guarantor will become liable for the outstanding amount of the loan along with any charges.
  • Payday Loans: These are short-term loans that you will usually pay in full by your next payday. These typically have a higher APR and cost because of the shorter length of lending. They are not advised to be taken on a regular basis.
  • Online Loans: Though all of the above can be offered online, the key difference is that online loans can get you your cash much more quickly than traditional loans, sometimes less than minutes after you get your application approved.

At Savvy we provide online, unsecured instalment personal loans which are not secured against any assets, and which do not require you to have a guarantor.

► Credit score jargon buster

Credit Jargon Explained

A credit report details your personal credit history from the previous 6 years, including mortgages, credit cards, overdrafts, loans, mobile phone contracts and even some utilities such as gas, electricity and water. If you're over 18 and have ever taken out credit, a credit reference agency is likely to hold a credit report on you.

When you make an application for a loan, credit card, mortgage or other type of credit (such as a mobile phone contract), lenders look at your credit report and may use the information contained within it to help them calculate your credit score when making their decision.

Review your report regularly to make sure it's up to date and accurately reflects your circumstances as mistakes could hold back your ability to get credit. In particular, check your financial associations with other people. If, for example, you find you're still financially linked to an ex-partner, you can break this link by completing a disassociation form which will stop their credit history affecting your ability to get credit - provided you no longer share any joint accounts.

Register to vote at your current address You can register to vote online with About My Vote. Not registering to vote, being registered to vote at an old address, or adding the wrong details on the electoral roll (electoral register) can mean you may be refused credit.

Lenders use the Electoral Roll information (electoral register) as a precaution against fraud, to check that you live where you say you do. Make sure you are registered to vote at your current address - you can do this online with About My Vote.

Credit scores change over time as your circumstances change. For example, paying off a loan could result in a higher credit score, while missing several repayments could reduce it.

All lenders including Savvy use their own formula when calculating a credit score; they also set different thresholds for accepting an application. These thresholds can vary according to the type or amount of credit you want. Lenders specialising in, for instance, lower-income customers may grant someone credit when another bank refuses.



Important information about our loans. Please take time to read about us and how we operate as we take our responsibilities and duties as a provider of consumer finance seriously.

We want you to understand about the finance we provide. Please click here to view more important information. And click here to read some FAQ's before you make an online application for credit.

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