Skip to main content
ES4U Test Loans
Menu

Apply from your phone, at your own pace

Borrow what you need.

Know the full cost first. Apply in minutes from your phone, see exactly what you’ll repay before you agree, and manage your loan in one place.

Create an accountSign in
  • See the full cost first
  • Apply from your phone
  • Your loan in one place

With ES4U Test Loans, you see the full cost before you agree and manage your loan in one place.

Talk to ES4U Test Loans

Everything about your loan, in one place

From your first answer to your last repayment, on your phone or your computer.

Your offer

See the amount, the interest and fees, the total to repay and every repayment before you agree to anything.

  • The amount you borrow
  • The interest and fees
  • The total to repay
  • Every repayment

Nothing is agreed until you accept.

Apply from your phone

Choose a loan and an amount, then answer a few questions. Your answers are saved as you go, so you can stop and come back.

Your loan in one place

Your balance, your repayment schedule, your payments and your documents, whenever you sign in.

Help when you need it

Finding it hard to pay? Tell us as early as you can. It won’t cost you anything to ask.

Get help and contact us

How does it work?

Four steps from creating your account to the money in your account.

  1. Create an account

    All you need is your phone number. We text you a code to check it’s yours.

  2. Apply

    Choose a loan and an amount, then answer a few questions. You can stop and come back.

  3. Get your offer

    We check your application and show you the amount, the cost and every repayment. Nothing is agreed until you accept.

  4. Get your money

    Once you accept and we sign the agreement, we send the money to your account.

Questions

What do I need to apply?

Your phone number, an ID and details of your income. Some loans also ask for documents, such as a bank statement; we tell you which before you send your application.

How much will it cost?

Each loan’s page works out the interest, fees, total to repay and APR for the amount you choose. Your offer shows the exact figures before you agree to anything.

Can I repay early?

Most loans let you repay early. Each loan’s page says whether yours does, and your loan page shows what it would take to clear it today.

Is my information safe?

We only ask for what we need to decide on your application, and we will never ask for your PIN, password or the code we text you.

Something else? Get help and contact us.

Apply for a loan

Create your account with your phone number, then apply in the same visit.

Create an accountSign in