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Who are Onesys Financial?

Onesys Financial is a trading name of Onesys Financial Ltd, which is a lender based in Norfolk. They have been in operation since 2010.

What kind of loans do they offer?

They offer a range of longer-term loans, including unsecured and secured loans. They also offer payday loans until your next payday.

How much can you apply for?

With a payday loan application for Onesys Financial, you can apply for up to £750.

How quickly can they supply the loan?

They offer an option to receive the cash the same day, which comes with an extra £5 charge, which will be deducted from your loan amount. Without this charge, the loan can take up to 3 days to reach your account.

What do they charge?

If you borrow £100 for the agreed loan time, you’ll repay £130 in interest.

How do their charges work?

They charge the same amount for the agreed loan period, so if you borrow for 10 days or 30 days, you’ll repay the same amount.

What optional charges do they have?

Onesys Financial offer a same-day loan service (which will mean the money is deposited either the same day or the next morning, depending on the time of application) for a £5 optional charge. Without it, it will take up to 3 days for the cash to be transferred.

Do they charge penalties?

If you do not pay on the agreed date, you will be charged a £12.50 default fee on the first day and a £100 default fee after 10 days if there has been no repayment plan made. You will also be charged £15 for any letters that they need to send you. If you continue not to pay, you may be charged for debt collection and/or legal charges.
You will also be charged 1% interest for each day that your account is overdue, and this will be charged on the entire amount owed, and not just the original loan amount.
If you are having financial difficulties and cannot repay on time, they recommend calling them as soon as you are aware that there is an issue, and they will try to help. Repayment plans will help avoid these charges.

Do they have TV adverts?

Onesys Financial do not currently have any TV adverts.

Licence details

  • Office of Fair Trading under the Consumer Credit Act of 1974 - Consumer Credit Licence: 639625
  • Information Commissioner's Office registration under the Data Protection Act of 1998: Z2436684
  • Registrar of Companies for England and Wales – Company Number: 7349396
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