Privacy Policy

Last updated November 2023

Privacy policy

At Loans 2 Go, we always respect the privacy of our customers and are committed to protecting your privacy at all times. This policy will give you a thorough explanation of the way we collect your data and how it may be used. It may be updated from time to time so you should review it occasionally.

How we collect your personal information

Your information will be collected and processed by Loans 2 Go during the use of our websites or when you communicate directly with us, such as through e-mail, phone or letter, for example:

The type of data collected may include personal information such as your name, address, telephone numbers, e-mail addresses, date of birth and employment details. It may also include details of the agreements you have had with us in the past or unsuccessful applications for further credit. You may also disclose sensitive information to us (such as, information about your physical and mental health, racial or ethnic origin, political opinions, religious beliefs, sexual life, medical information), which we may hold and process. Wherever possible we will always ask your explicit consent to process this information.

You are responsible for providing valid, accurate and up to date information. When you give us information about another individual or organisation it is on the basis that you confirm that they have specifically agreed to this and understand how and why their information will be used.

How we use your personal information

Your data will always be dealt with responsibly and in accordance with the Data Protection Act 2018 and GDPR. Information stored or collected about you helps us improve our service and helps to make sure that any agreement you have with us is run smoothly.

For example, your information may be used to:

Any debit card details provided to us either during the loan application or subsequently, will be used to take further payments both on your current loan and on any subsequent loans in accordance with the instructions you’ve given us.

Our payment service provider participates in account update services to help keep your card details up to date and ensure your payments occur without interruption. If your card issuer participates in Account Updater and provides expiration date updates, those updates will apply to your payment towards Loans 2 Go. If your card issuer reissues the card that you have chosen to use for continuous payment authority, we will use the new card details for future payments.

Groups of Personal Information

We use many different kinds of personal information as given below.

Type of personal informationDescription
FinancialYour financial position, status and history.
ContactWhere you live and how to contact you.
Socio-DemographicThis includes details about your work or profession, nationality where you fit into general social or income groupings.
TransactionalDetails about payments to and from your accounts including bank statements.
ContractualDetails about the products or services we provide to you.
LocationalData we get about where you are, such as may come from your mobile phone, the IP address where you connect a computer to the internet.
BehaviouralDetails about how you use our products and services.
TechnicalDetails on the devices and technology you use to interact with us.
CommunicationsWhat we learn about you from letters, emails and conversations between us.



Your family, friends and other relationships.
Open Data and Public RecordsDetails about you that are in public records and information about you that is openly available on the internet.
Documentary DataDetails about you that are stored in documents in different formats, or copies of them. This could include things like your passport, drivers’ licence or birth certificate.
Special types of data

The law and other regulations treat some types of personal information as special. We will only collect and use these types of data if the law allows us to do so:

• Health data including gender
• Criminal convictions and offences

ConsentsAny permissions, consents or preferences that you give us. This includes things like how you want us to contact you, whether you get paper statements, or prefer large-print formats.
National IdentifierA number or code given to you by a government to identify who you are, such as a National Insurance number.


Who we share your personal information with

We may act as broker as well as direct lender. Thus, it may be necessary to disclose your information to our partners to provide you with the products or services you request. However, we will only disclose your information to such third parties where we have your consent to do so via an ‘opt in’ mechanism on our website or other similar channels. We may also disclose your information to third parties where we have a legitimate business need or obligated to do so by law.

We may share your personal information with these organisations:

We may also act as broker as well as direct lender. Thus, we may share some of your information with our carefully chosen credit brokers and/or lenders who are authorised to provide information on certain products and services that might be of interest to you. This may involve completing further credit checks and you may receive additional information directly from these third-party companies. However, we will only disclose your information to such third parties where we have your consent to do so via an ‘opt in’ mechanism on our website or other similar channels. We may also disclose your information to third parties where we have a legitimate business need or obligated to do so by law.

We currently contract with a number of credit brokers who may require access to some or all of your personal data that we hold. They have their own privacy policy and you should read it carefully to ensure you provide the appropriate consent.

 T Dot UK Limited

Digitonomy Limited

Nouveau Finance Limited.

How we use your information to make online decisions

Approving credit

We use a system to decide whether to lend money to you apply for credit. This is called credit scoring. It uses past data to assess how you’re likely to act while paying back any money you borrow. This includes data about accounts you may have had before. Credit scoring will take account of information you provide on your application, information provided by credit reference agencies and information already held on our system. If you submit an application and it is declined through this process, you can contact us within 14 days to have the decision reviewed.


Credit Reference Agencies (CRAs)

We carry out credit checks when you apply for credit. We may use Credit Reference Agencies to help us with this. Your loan application will be registered on your credit report under the name Loans 2 Go Limited. We are presently working with TransUnion, Equifax, Experian and Perfect Data Solutions Limited (trading as Lending Metrics). We will undertake a search with at least one of the agencies when you apply for credit thereby reviewing your credit records as well as anyone financially associated with you. The agency will keep a record of this search and place a “footprint” on your file, whether or not your application proceeds. Once you take a loan product with us, we will report regularly to the CRAs on your payment history.

We will share your personal information with CRAs, and they will give us information about you.

The data we exchange can include:

We’ll use this data to:

We will go on sharing your personal information with CRAs for as long as you are a customer. This will include details of your repayments and whether you repay in full and on time. The CRAs may give this information to other organisations that want to check credit status. We will also tell the CRAs when you settle your accounts with us.

If you are making a joint application or there is an indication that you have a spouse or financial associate, we will link your records together, so you should make sure you discuss this with them, and share with them this information, before lodging the application. CRAs will also link your records together and these links will remain on your and their files until you or your partner successfully files for a disassociation with the CRAs to break that link.

When we ask CRAs about you, they will note it on your credit file. This is called a credit search. Other lenders may see this, and we may see credit searches from other lenders.

You can find out more about the CRAs on their websites, in the Credit Reference Agency Information Notice. This includes details about:

The identities of the CRAs, and the ways in which they use and share personal information, are explained in more detail at




Perfect Data Solutions Limited:

You can contact Lending Metrics at Lancaster Court, 8 Barnes Wallis Road, Fareham, Hampshire PO15 5TU in writing to request the information that they hold about you (please note, a small statutory fee may be payable).

Credit Reference Agency Information Notice (CRAIN) | Experian

This document describes how the three main credit reference agencies TransUnion, Equifax and Experian, (also called “credit reference agencies” or “CRAs” in this document) each use and share personal data (also called ‘bureau data’) they receive about you and/or your business that is part of or derived from or used in credit activity.


We may use your personal information to tell you about relevant products and offers. This is what we mean when we talk about ‘marketing’.

The personal information we have for you is made up of what you tell us, and data we collect when you apply for credit. As part of our application process, we will ask you whether we may contact you in future about products and services offered by our organisation or trusted third parties. You can also ask us to stop sending you marketing messages by contacting us at any time. Whatever you choose, you’ll still receive your contractual letters and annual statements related to your agreement.

We may ask you to confirm or update your choices, if you take out any new products or services with us in future. We will also ask you to do this if there are changes in the law, regulation, or the structure of our business.

If you change your mind you can update your choices at any time by contacting us. Our contact details are as follows:

Loans 2 Go Limited, Bridge Studios, 34a Deodar Road, Putney SW15 2NN

Tel: 0330 400 4381; E-mail: [email protected]


How long we keep your personal information

We will keep your personal information for as long as you are a customer of Loans 2 Go.

After you stop being a customer, we may keep your data for up to 6 years for one of these reasons:

  • – To respond to any questions or complaints.
  • – To show that we treated you fairly.
  • – To maintain records according to rules that apply to us.
  • To tell you about relevant products and offers unless you’ve told us to exclude you from our marketing campaign.


We may keep your data for longer than 6 years if we cannot delete it for legal, regulatory or technical reasons. If we do, we will make sure that your privacy is protected and only use it for those purposes.

If you made a loan application or enquiry which did not result in a loan, we may keep your data for up 1 year following your loan application/enquiry.


How to get a copy of your personal information

You can access your personal information we hold by writing to us at this address:

Loans 2 Go Limited, Bridge Studios, 34a Deodar Road, Putney SW15 2NN

E-mail: [email protected]


Letting us know if your personal information is incorrect

You have the right to question any information we have about you that you think is wrong or incomplete. Please contact us if you want to do this.

If you do, we will take reasonable steps to check its accuracy and correct it.


What if you want us to stop using your personal information?

You have the right to object to our use of your personal information, or to ask us to delete, remove, or stop using your personal information if there is no need for us to keep it. This is known as the ‘right to object’ and ‘right to erasure’, or the ‘right to be forgotten’.

There may be legal or other official reasons why we need to keep or use your data. But please tell us if you think that we should not be using it.

We may sometimes be able to restrict the use of your data. This means that it can only be used for certain things, such as legal claims or to exercise legal rights. In this situation, we would not use or share your information in other ways while it is restricted.

You can ask us to restrict the use of your personal information if:

  • – It is not accurate.
  • – It has been used unlawfully but you don’t want us to delete it.
  • – It not relevant any more, but you want us to keep it for use in legal claims.
  • – You have already asked us to stop using your data, but you are waiting for us to tell you if we are allowed to keep on using it.


If you want to object to how we use your data or ask us to delete it or restrict how we use it or, please contact us.

How to complain

Please let us know if you are unhappy with how we have used your personal information. To contact us please see our

If you are not satisfied with our response or believe we are not processing your personal data in accordance with the law you can complain to the Information Commissioner’s Office


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