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Important Information


► 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
The Colony HQ
Altrincham Road


[email protected]


0800 007 5888

Calls from a mobile phone may be cheaper on:
0330 002 0117

► 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 Loans 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 Loans 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, The Colony HQ, Altrincham Road, Wilmslow, England, SK9 4LY.

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.

By agreeing to these terms and conditions we may contact you about services or products offered by us or other companies approved by us which we believe you may be interested in, or to carry out market research about our services or products or those of third parties. We may also pass information to other companies approved by us so that they may contact you about services or products, including for purpose of finding a loan provider, which they believe you may be interested in. You also consent to being credit searched by these other companies where necessary. However, if you do not wish us to share your information, please let us know.

Contact for these purposes may be by post, email, SMS or by other means as we may agree with you from time to time. This will override any registrations you may have with any preference services.

If you do not wish to receive on-going contact from us please send a request in writing to: Savvy.co.uk, The Colony HQ, Altrincham Road, Wilmslow, England, SK9 4LY.

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 Loans will accept no responsibility or liability in respect of any materials on any Website which is not under its control.

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

We aim to provide a high standard of service however we understand that there are times when our customers may be unhappy. In such cases we would 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 to the complete satisfaction of our customers.

Making a complaint

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

  1. By telephoning 0330 002 0117
  2. By emailing [email protected]
  3. By writing to Complaints Manager, Valour Finance Limited, The Colony HQ, Altrincham Road, Wilmslow, England, SK9 4LY.

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 and a daytime contact telephone number;
  • Full details of your complaint;
  • Your loan account details;
  • Details of what you would like us to do to put things right;
  • Photocopies of any relevant paperwork.
How we will deal with your complaint

We will endeavour to resolve your complaint straight away however this might not always be possible. If we resolve your complaint within the first three business days we will issue you a summary resolution letter with details of the complaint and the resolution. If your complaint is not resolved within this time we will send you a written or electronic acknowledgement of your complaint within five business days of receipt; this will identify the person who will be dealing with your complaint. If possible, this will not be the person directly involved in this matter or any person who may be the subject of your complaint. The person who will deal with your complaint will have the authority to settle your complaint.

Within four weeks of receiving your complaint, we will provide you with a final response that adequately addresses your complaint or confirm to you that we are not yet in a position to resolve your complaint and indicate when we will contact you further regarding this matter.

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.

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 six 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 (calls to this number are now free on mobiles and landlines)
0300 123 9123 (calls to this number cost no more than calls to 01 and 02 numbers)
(18002) 0207 964 1000 (calls using next generation text relay)
+44207 964 0500 (if you are calling from outside the UK)

► What is the Cookie Policy for Savvy.co.uk?

Cookies – what are they?

A "cookie" is a small text file that's stored on your computer when you visit our website online.

Some cookies are deleted when you close down your browser. These are known as session cookies.

Some remain on your device until they expire or you delete them from your cache. These are known as persistent cookies and enable us to remember things about you as a returning visitor.

To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visitwww.allaboutcookies.org. "All About Cookies" is a free resource to help people understand the use of cookies you can also search the internet for other independent information on cookies.

Cookies – how we use them

Our cookies don't store personal or confidential information about you

If you delete cookies relating to this website we will not remember things about you, including your cookie preferences, and you will be treated as a first-time visitor the next time you visit the site.

We use cookies (and other similar technologies) to

  • Provide products and services that you request and to provide a secure online environment
  • Give you a better online experience and track website performance
  • To enable us to track how you discovered our website

Cookies help us provide a product or service you have requested and to provide a secure online environment

Without cookies we are unable to provide some products or services that you might request. Other 'essential' cookies keep our website secure. Even if you say "No" to cookies on this website we'll continue to use these 'essential' cookies.

Essential cookies are used to

  • deliver interactive services and complete applications
  • maintain online security and help protect against online fraud
  • record your preference regarding our use of cookies

Giving you a better online experience and tracking website performance

You'll still be able to use most of our online services, but some things might not work as you may expect if you do not allow us to store and access these cookies on your device.

These cookies make our online services easier to use and help us to understand how people use our websites. For example, amongst other things they will remember relevant information as you browse from page to page so you don't have to enter information twice.

We also use this type of cookie to understand how visitors use our services and look for ways to improve them. A cookie might tell us that lots of people give up on an application process at a particular step – so we can try to make that step easier to use.

How do I delete or turn cookies off

We recommend you don't turn cookies off completely but if you wish to control or delete how your browser uses cookies here are some links to the common browsers

Chrome - http://support.google.com/chrome/bin/answer.py?hl=en&answer=95647

Firefox - http://support.mozilla.org/en-US/kb/Enabling%20and%20disabling%20cookies

Safari - http://docs.info.apple.com/article.html?path=Safari/5.0/en/9277.html

Internet Explorer - http://windows.microsoft.com/en-US/windows7/Block-enable-or-allow-cookies

iOS Safari - http://support.apple.com/kb/HT1677

Android - http://support.google.com/mobile/bin/answer.py?hl=en&answer=169022

If you are still uncomfortable with our use of cookies we would be more than happy to take your application over the phone please give us a call our number is on our home page, we'd be delighted to speak to you

► 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.

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 12 months and go up to a maximum of 24 months. Our charges for loans are tiered. We lend £200 to £400 over 6 months, we lend £401 to £850 over 12 months, we lend £851 to £1,500 over 15 months and we lend £1,501 to £2,000 over 18 months, and we lend £2,001 to £3,000 over 24 months. Please see the loan examples below.

6 Month Loan Example

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

12 Month Loan Example

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

15 Month Loan Example

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

18 Month Loan Examples

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

24 Month Loan Examples

Representative 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 the Money Advice Service.

If you experience or anticipate problems in making your payments on time, please contact our Customer Support Team straight away either by calling 0330 002 0118 or by emailing [email protected]. 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.

Info Savvy Info

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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