Application Process Guidance
New Customer:
Once submitted you will be notified of the outcome. (You will be informed within 24 hours – Monday to Friday) You will receive a link by text to complete the online application process which involves uploading two forms of Identification and proof of income.
Valid Forms of Identification (2 Forms Required)
Compulsory (must have one of the following):
- Current Valid (signed) Passport
- Current UK Driving License
- Current UK / EU Photo – card
- Current State Pension / Benefit Agency notification letter
- Current years HMRC Tax Code Notification
- Current Blue Disabled Drivers Pass
- Identity Card by Electoral Office of Northern Ireland
Additional Acceptable Secondary Documents:
- Mortgage Statement
- Recent Utility Bill – Gas, Electricity, Water, Telephone (Not mobile phone)
- Current Council Tax Bill
- House or motor insurance certificate
- Bank / Building Society Statement
- HMRC Tax notification documentation
- Electoral Roll listing
New Customer & Existing Customers – Acceptable Income verification (name and date must be visible)
- Pay Slip (within the last 35 days, If overtime/ bonus/ shift allowance or any other additional amounts included last 3 pay slips required)
- Proof of Benefits (benefit letter within the last 12 months)
- Universal Credit full portal
- Child Benefit Letter
- Working / Tax Credit Letter
- P60 (latest tax year)
- Self-employed tax return
- Private pension statement
- Maintenance payments
- Foster Income
How it works
- 1 Use our loan calculator above to choose your loan terms.
- 2 Complete our simple online application
- 3
If successful, a friendly representative will arrange to finalise your application.
- 4 We can collect your repayments either by home collection or debit card. You can pay off your loan at any time with no extra fees.
* As part of our commitment to our customers, all applications are subject to an affordability assesmdent.
Why choose Skyline Direct?
- Low cost: cheaper than most home collect lenders. See for yourself on Lenders Compared.
- Easy repayments: we can call at your home to collect repayments or by Debit Card payment on your chosen schedule.
- We’re transparent: You’ll know all the costs from the outset and there are no hidden fees.
- You can trust us: We’re fully regulated by the Financial Conduct Authority and members of the CCTA.
How much can I borrow?
First time customers can borrow up to £1,000 (based on an affordability assessment).
Are there any hidden charges?
At Skyline Direct we keep things simple – we tell you the full cost of the loan upfront and there are no hidden fees or late payment charges. If you’re having genuine difficulty in meeting repayments we’ll help you with a plan to get back on track or direct you towards free support.
How long does it take?
You will have an initial response within 24 hours.
Is it confidential?
We treat all our customers’ information confidentially. Skyline Direct adhere to GDPR, so your loan will only ever be discussed with you. You should be aware however, that we are obliged to share some information with credit reference agencies.
What if I have a bad credit rating?
We may still be able to help you even if you’ve been turned down for credit in the past. We’re often able to help people with a poor credit history. We only offer loans to people who can show that they are in a position to meet repayments. In some instances faithfully repaying a cash loan can help to restore your credit rating.