Commitment to Ethical Lending Practices

At HabitatLoans.co.uk, we are dedicated to providing a responsible, transparent, and fair service to every customer throughout their experience with us.

As part of this commitment, we want to make it clear that our service is completely free to use — there are no hidden charges or unexpected fees. We also do not encourage the use of loans in situations where borrowing may not be in the customer’s best interest.

For example, we would not recommend a short-term or high-cost loan for someone who needs to borrow over a longer period, such as 12 months or more.

Secured loans and other credit options should never be viewed as a solution for long-term financial difficulty. Misuse of credit can lead to unmanageable debt. If you’re currently struggling with money or unable to meet your existing obligations, taking on new credit may not be the right step.

HabitatLoans.co.uk follows all relevant UK regulations and complies fully with the legal and ethical standards set out by the Financial Conduct Authority (FCA). For further details, please see our Terms and Conditions and Privacy Policy.

Before applying for any credit product through our site, we encourage all users to:

Review the full terms of repayment
Ensure they are confident they can repay on time and in full
Avoid applying for credit if there is any uncertainty about affordability

This approach helps minimise the risk of late fees, penalties, or further financial difficulty.

If you’re facing financial hardship or struggling with existing debts, we strongly recommend speaking with an independent advice service. You can get free, impartial help from the Citizens Advice Bureau: