The UK’s Fraud Prevention Service Bamboo | FAQs

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General Your loan application Supporting documents Additional borrowing Managing your loan

Applying for a Bamboo loan is easy. Use the loan calculator on our website to tell us how much you’d like to borrow and for how long. You will then be prompted to complete a short form with a few personal details. If you are arriving from a partner website, simply follow the provided instructions. ​

Once you have submitted your details, we will run some initial checks and provide you a quote tailored to your specific circumstances. This quote will outline your monthly repayments, the total loan duration and the APR (Annual Percentage Rate of interest).​

If you decide to proceed with the offered quote, you may need to provide some additional information and documentation, all of which can be conveniently shared online.​

As part of our dedication to responsible lending, all our loans are subject to further checks.

Yes. As our loan application process is completely online you will need to have a valid personal mobile number and email address to apply for a loan with Bamboo.

Your email address and mobile number must be unique to you and not shared with anyone else.

Bamboo is an award-winning personal loans provider that specialises in offering unsecured, flexible and affordable, loans ranging from £2,000 to £15,000 with terms spanning from 12 to 60 months.  

You can easily obtain a quote, submit your application and assess your eligibility, without any impact on your credit score. We only conduct a hard credit check once you have successfully completed all necessary checks and are ready to e-sign your loan agreement. 

Our loans have no additional charges or fees including no penalty for a late payment. However, it is important to note that missing a payment may impact your credit score.

We do not accept applications via telephone. Our loan application process is entirely online and designed to make applying for a loan a swift and hassle-free experience. You can easily apply from your mobile, computer, tablet, or any other device. ​

If you do have any questions during your online application, you can always reach out to our helpful customer service team via webchat or phone. Our contact details can be found on our Contact Us page.

Getting a quote and submitting your loan application with Bamboo does not impact your credit score. We only run a hard credit search on you once your application has been approved and you have e-signed your loan agreement. ​

Once a hard search is run on your credit file, this will be visible to other lenders and may affect your credit score.​

If you want to see your credit report, you can contact any of the below credit reference agencies for a copy of your credit file:​

TransUnion Website: www.transunion.co.uk​

Experian Website: www.experian.co.uk​

Equifax Website: www.equifax.co.uk

Bamboo does not charge any application or upfront fees, nor do we deduct such fees from the loan advance. ​

Our borrowers receive the full loan amount they applied for. Before you take out the loan you will always know the interest rate and APR and how much in total you will have to repay over the term of the loan.​

It is important to note that Bamboo only partners with credit brokers and intermediaries that do not charge you separately. So, with a Bamboo loan you will always know the total cost of the loan.

We only run a hard credit search once your application has been approved and you have e-signed your loan agreement. ​

​Once a hard search is run on your credit file, this will be visible to other lenders and may affect your credit score.​

If you want to see your credit report, you can contact any of the below credit reference agencies for a copy of your credit file:

TransUnion Website: www.transunion.co.uk​

Experian Website: www.experian.co.uk​

Equifax Website: www.equifax.co.uk

We lend money to a wide range of customers, from those who are trying to rebuild their credit to those who don’t want to use high street lenders.

We consider every case individually and will make our decision based on your unique circumstances.

To qualify for our loans, borrowers must be UK residents (excluding the Channel Islands or Isle of Man), at least 18 years old, able to afford the monthly repayments and be generally in good credit standing.

We provide loans for different purposes:

  • Debt consolidation
  • Home improvement
  • Car finance
  • Wedding finance
  • Emergency expenditures
  • Special purchase

Are you looking to borrow money for a different purpose? We are here to help!

We understand not all our customers are the same. If you need additional support, please refer to our Accessibility help & support page for more information on how we can help you.

Yes, borrowers must have a valid UK debit card. This could be either a Visa Debit, Visa Electron or Debit MasterCard. We do not accept prepaid debit cards.

A debit card is needed as loan repayments are collected from the card using a Continuous Payment Authority (CPA).

A CPA is when you authorise a company to take recurring payments from your debit card. As opposed to a standing order or direct debit, which is set up with your bank, a CPA is a contract with the company you are making payments to.

However, similar to direct debits, you do have the right to cancel a CPA at any time by sending a request to the company taking the payment or by contacting your bank.