Terms and Conditions | Badger Loans

Need assistance?

Try our new AI chatbot (under the smiley, waving badger below) for quick answers on applying, scams, protection tips, and more.
The bot also has contact details if needed.

Terms & Conditions

We do not provide any financial advice relating to loans featured on our website.

The product information is obtained from independent sources and rates displayed may vary depending on your personal circumstances.

We provide this service free of charge but may receive commission or payment from the pingtree provider or credit broker that we pass your application details on to.

Should you choose to make either a Personal, Payday, Short Term or Instalment Loan application via our website we will relay your completed application to Direct Link Technologies Ltd. DLT Ltd are authorised and regulated by the Financial Conduct Authority for Credit Broking under reference  number 844593 . Once in the respective company’s pingtree they will then search their panel of lenders on your behalf.

We have highlighted Direct Link Technologies so you can read their respective Privacy Policy if you require more information. We have also highlighted the word ‘pingtree’ for a fuller explanation of what it is and what it does.

In using our service you agree that your personal details will be sent to Direct Link Technologies Ltd (DLT) who will in turn send your details to their panel of Lenders. An interested Lender may contact you by telephone and/or email to find out more about your requirements.

This allows the Lender to ensure you are introduced to loan products which meet your individual requirements and financial circumstances.

Badger Loans Ltd operates on a non-advised basis. This means that no advice is given or implied and you are solely responsible for deciding whether the product is suitable for your needs. If you are not sure which product is right for you, you should seek advice.

Badger Loans Ltd is acting as a Credit Broker, not a Lender. We will introduce you to DLT and depending on your choice of loan product they will search their panel of lenders for you and may introduce you to a potential Lender. Under our service we do not consider your personal credit position or make any recommendation.

The Website (Badger Loans) is currently intended for those who are 18’s and over and who access it from within the UK. We cannot guarantee that the Website or the information thereon complies with or is appropriate for use in other places outside the UK. You must be a UK resident.

You will not knowingly transmit any virus or other harmful matter to the Website. You may not use any device or software to attempt to interfere or interfere with the proper working of the Website nor may you attempt to disassemble, de-compile, decipher or reverse engineer any of the software comprising or in any way making up the Website or any part of it.

Badger Loans services include, but are not limited to, advertising other companies’ credit offerings and effecting introductions between potential borrowers and lenders or other credit brokers in respect of secured and unsecured loans. In order to request a consumer credit loan from a selection of lenders, Badger Loans invites you to complete an Application Form and transmits this completed Application Form to lenders and/or third parties.

Badger Loans does not guarantee that completing an Application Form will result in you receiving a loan offer. Your request is not an application for credit from a specific lender or lenders but an expression of your interest in such products. Individual lenders may require you to complete their own application process and are solely responsible for deciding whether and on what terms to lend to you. Any examples of loan terms on our website are for illustrative purposes only.

We shall not be liable for any losses or damages, whether direct or indirect, consequential or otherwise that you may suffer as a result of your use of the Website, including but not limited to computer service or system failure, access delays or interruption, data non-delivery or mis-delivery, computer viruses or other harmful components, breaches of security or unauthorised use of the system arising from “hacking” or otherwise or your reliance on the information contained on the Website. Information is provided on an “as is”, “as available” basis and we do not give or make any warranty or representation of any kind, whether express or implied. The use of the Website and the materials contained in it are entirely at your own risk. We have taken reasonable steps to ensure the accuracy, availability correctness and completeness of the information contained on the Website.

Regarding any third party software that may be used in connection with the Website, we make no representations or warranties regarding the accuracy, functionality or performance.

Links on the Website are provided to you only as a convenience and the inclusion of any link does not imply reliability and we do not necessarily endorse any pages linked to the Website. Accordingly, you should read the terms and conditions of those websites before using them and direct any questions or comments about the linked website’s contents to the relevant website provider. Links contained in the Website might lead to other websites not under our control, and we accept no liability for the content or availability of any linked site which is not operated by us or any link contained in a linked site not operated by us.

Cookies are files that identify your computer to our server. Cookies in themselves do not identify the individual user, just the computer used. Many sites do this whenever a user visits their site in order to track traffic flows. The Website makes use of cookies. Cookies themselves only record those areas of the site that have been visited by the computer and for how long. You may prevent the use of cookies by configuring your web browser accordingly, but please note that this may hinder some of the Website functionality.

The Terms are governed by and interpreted in accordance with the laws of England and Wales and the courts of the above jurisdiction will have non-exclusive jurisdiction in respect of any dispute, which may arise

Badger Loans Ltd will not charge you a fee for using this service, but may receive a payment from Direct Link Technologies who in turn will receive a fee from the Lender. You should check with the Lender to find out what fees may be applicable.

Badger Loans Ltd is a registered company in England & Wales, Registered Office:

Badger Loans, c/o IAW Accountancy Services 5, Hyde Rd Paignton, Devon, TQ4 5BW

If you want to make a complaint, please online form and complete the form or email us at info@badgerloans.co.uk. If your complaint is still unresolved, you can ask for a review from The Financial Ombudsman Service . They will be able to help if your complaint fulfils certain criteria.

Badger Loans Ltd is authorised and regulated by the Financial Conduct Authority – FRN

Badger Loans Ltd is an independent Credit Broker not a Lender. We will receive a payment from whichever lender, following our introduction, customers enter into a credit agreement with. None of these arrangements affects our independence.

Where can I get debt advice and information?

If you’re in debt, it’s important to seek professional help as well as doing your own research. Debt charities and professional advice services will give you impartial advice and help you to find the path out of debt that’s right for you – we recommend getting in touch with one of the following organisations:

Why Apply For An Unsecured Loan with Badger Loans?

  • Amount between £100-£25,000
  • Term from 12 months to 5 years
  • You need an Unsecured Loan
  • Good or Bad Credit
  • No Guarantor Required

Legal Information

Rates from 12.9% APR to 1625.5% APR. The minimum Loan Term is 1 month. The maximum Loan Term is 60 months. Representative Example: £1,000 borrowed for 18 months. The total amount repayable is £1564.59. Interest amounts to £564.59, an annual interest rate of 59.97% Representative APR: 79.5% (variable).

Badger Loans