Website Policy

Why Pera Loans?
  • Apply from home
  • Responsible direct lender
  • Easy to understand and compare
  • Safe and secure process
  • We treat our clients with respect
  • FCA cost cap applied automatically
  • Loans vary from £400.00 to £2000.00
  • You know you get the RIGHT product
Representative example:

Borrow £1000 for 6 months. The total repayment amount will be £1487.90 with first payment of £212.55, 4 payments of £283.40 and last payment of £141.75. There is no card verification cost. The maximum arrears fee charged per loan is capped at £15. The representative APR is 336.15% (138.82% per annum fixed).
All our loans are available for a duration of 3 to 6 month.

Warning: late repayment can cause you serious money problems. for help, go to - www.moneyadviceservice.org.uk

This page sets out the terms of use between you and Western Circle Limited trading as Peraloans.co.uk (“We” or “Us”) under which you may access our website www.peraloans.co.uk (our “Site”). This acceptable use policy applies to all users of, and visitors to, our Site.

Your use of our Site means that you accept, and agree to abide by, all the policies in this acceptable use policy, which supplement our terms of website use.

Information about us

Peraloans.co.uk is a site operated by Western Circle Limited (“We” or “Us”). We are a limited company registered in England and Wales under company number 7581337 and have our registered office at 2a Highfield Avenue, London, NW11 9ET. Our main trading address is 2a Highfield Avenue, London, NW11 9ET.

We are authorised and regulated by The Financial Conduct Authority (FCA Permission License: 714479).

Prohibited uses

You may use our Site only for lawful purposes. You may not use our Site:

  • In any way that breaches any applicable local, national or international law or regulation.
  • In any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect.
  • To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam).
  • To knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.

You also agree:

  • Not to reproduce, duplicate, copy or re-sell any part of our Site in contravention of the provisions of our terms of website use.
  • Not to access without authority, interfere with, damage or disrupt:
  • any part of our Site;
  • any equipment or network on which our Site is stored;
  • any software used in the provision of our Site; or
  • any equipment or network or software owned or used by any third party.

Suspension and termination

We will determine, in our discretion, whether there has been a breach of this acceptable use policy through your use of our Site. When a breach of this policy has occurred, we may take such action as we deem appropriate.

Failure to comply with this acceptable use policy constitutes a material breach of the terms of use upon which you are permitted to use our Site, and may result in our taking all or any of the following actions:

  • Immediate, temporary or permanent withdrawal of your right to use our Site.
  • Immediate, temporary or permanent removal of any posting or material uploaded by you to our Site.

If you wish to get more details about our Website Policy, please don’t hesitate to contact us. We have developed some of the industry leading procedures to ensure that we provide the ideal service for our customers.

  • You must hold a valid UK bank account that accepts direct debit.
  • You must be 23 or over to apply.
  • You must be a resident and be eligible to work in the United Kingdom
  • You must be employed and receive a regular salary.
  • Your salary must be paid directly into your bank account.

Peraloans.co.uk is committed to providing a good service to consumers and treating them fairly. As always, if you have any questions or queries with regards to our loans you can call us on 0203 397 1744 / 07946 220135 or email us at info@peraloans.co.uk