Last Reviewed: 4 March 2025

This website, GreyLoan.co.uk, is operated by Revoak Limited (the “Company,” “We,” “Our,” “Us”). These Terms & Conditions of Use form part of an Agreement between the Company and You ("you" and/or "your"), as the user of this website (the "Site") and for the Company's Services, and govern your access to and use of this Site.

Please ensure you read this Agreement in full before using this Site. If you do not agree to these terms, please do not use this Site or the Company's Services.

Notice: By using this Site, you confirm that you are at least 18 years of age and that you have read, understood, and agree, without limitation or qualification, to be legally bound by these Terms & Conditions of Use and our Privacy Notice, which is expressly incorporated herein by reference. Our Privacy Notice can be found [here].

About Us

The Company is incorporated under the laws of England and Wales, with company registration number 10513741. The Company is authorised and regulated by the Financial Conduct Authority and is listed on the Financial Services Register under reference number 769494. The Company is also registered with the Information Commissioner’s Office under registration number ZA750237.

Using the Site

To register for the Company’s Services, you must agree to these Terms & Conditions of Use and the Company’s Privacy Notice. You must also accurately complete and submit one or more application forms that require certain personal, employment, and financial information (the “Information”).

The relevant application form will depend on the specific service you require and is available as part of the documentation for that service.

Once you submit your Information, we may share it with our network of independent, third-party lenders (“Lender(s)”). You are responsible for maintaining your own account details, including passwords. You agree to notify the Company immediately if the information you provided in your application changes in any way, as detailed in the Company’s Privacy Notice.

The collection, use, and sharing of your information are subject to these Terms & Conditions of Use and our Privacy Notice. By registering for the Company's Services, you understand that you are requesting a loan referral to lenders with whom we may share your information. You further acknowledge that these partners may contact you via email, telephone, mobile device, automated voice messaging, and direct mail to assist you with your loan request. If you have provided specific consent, lenders, the Company, and/or third-party marketing partners may also provide information about additional services and products that may be of interest to you.

Unauthorised use of the Site, whether actual or attempted, may result in legal action. The Company reserves the right to monitor, view, and record activity on the Site. The Company may collect details such as the date and time of visits, the domain used to access the Site, and the date and time of applications. However, no identifiable information will be gathered or processed without consent. Any information obtained through monitoring may be reviewed by law enforcement authorities as required by law.

The Company’s Services

The Company is a credit broker, facilitating connections between consumers seeking loan amounts from £100 to £5,000 and participating lenders. The Company is not a lender and does not make credit decisions or provide direct financing. Instead, it offers a free referral service to connect consumers with a network of independent, third-party lenders.

The Company is not an agent of any particular lender, and this Site does not constitute an offer or solicitation to lend. Any compensation the Company receives is paid by the lender for advertising services provided. By submitting a registration form, you consent to being matched with a lender in our network.

The Company will present your information to one or more lenders based on their individual criteria until your application is either accepted or declined by all lenders. If a lender accepts your application, you will be redirected to their website to complete the application process. You are under no obligation to accept a loan offer and may cancel at any time before signing the loan agreement. You should carefully review the loan terms and consider seeking independent legal and/or financial advice before proceeding.

The Company does not endorse, recommend, or guarantee the availability, pricing, rates, fees, or terms of any lender. By submitting your information, you consent to lenders verifying and investigating the details you provide.

If you are matched with a lender, the Company is not involved in any agreement between you and the lender. The lender is solely responsible for its services, and all interactions are subject to the lender’s terms, conditions, and privacy policy. Please direct any questions regarding your loan to the lender.

You expressly agree that the Company is not liable for any damages or costs arising from your use of this Site, including entering into a loan agreement with a lender.

Eligibility

Loan eligibility criteria vary by lender. However, at a minimum, Site users must:

• Be at least 18 years old
• Be legally capable of entering into a binding contract
• Have a valid UK address for service delivery

Credit Checking & Fraud Prevention

While the Company does not conduct credit checks, make credit decisions, or determine loan terms, lenders in our network may use credit reference agencies (CRAs) and/or fraud prevention services. The Company will only direct the information you provide to such third parties. It is your responsibility to ensure all information submitted is accurate. Deliberately submitting false information may result in legal action.

If you authorise a third party to enter details on your behalf, the information will be treated as if you submitted it yourself.

Confidential Information

We will process and protect your personal information in accordance with our Privacy Notice. By using the Site, you confirm that all information you provide is accurate and complete.

Representative APR

• Rates range from 12.9% APR to 1,721% APR
• Minimum loan term: 1 month
• Maximum loan term: 36 months

Representative Example:
Borrowing £1,000 over 18 months:

• 17 monthly repayments of £87.22 and a final repayment of £87.70
• Total amount repayable: £1,570.44
• Interest: £570.44
• Annual interest rate: 59.97% (fixed)
• Representative APR: 79.5% (variable)

Governing Law

These terms shall be governed by and construed in accordance with the laws of England and Wales, or by Scots Law if you are a resident of Scotland. Any disputes will be subject to the exclusive jurisdiction of the relevant courts.

Complaints & Compensation

If you have a complaint regarding our services, please contact us using the form on this Site or write to:

Head of Compliance
Suite A, Floor 2, Avalon, 26-32 Oxford Road, Bournemouth, BH8 8EZ

We aim to respond within three business days and take appropriate action where necessary. If you remain dissatisfied, you may refer your complaint to the Financial Ombudsman Service, which provides free and independent dispute resolution for financial services. More details can be found at www.financialombudsman.org.uk.

Amendments

The Company reserves the right to update these Terms & Conditions at any time. Any changes will be communicated to you electronically or in writing. Your continued use of the Site following any amendments will indicate your acceptance of the updated terms.

For further information, you may contact us via email at [email protected], by telephone at 01202 122 280, or by post at:

Revoak Limited
Suite A, Floor 2, Avalon, 26-32 Oxford Road, Bournemouth, BH8 8EZ

© 2025 GreyLoan.co.uk. All rights reserved. GreyLoan.co.uk is a trading name of Revoak Limited.