• Lending FAQs
  • 1. What if I have a bad credit rating?

    Don’t worry if you have a poor credit history or have been turned down for credit before. At J.N.G we always consider your individual circumstances even if you have a poor credit history – even if other companies may have turned you down in the past. We are often able to offer loans to people with a poor credit history, even a County Court Judgement (CCJ). Loans are given to people who can show they are now in a position to make repayments. However, we will only lend an amount we believe you will be able to repay.

    People with a poor credit history often appreciate the fixed regular repayments involved in our loans. Knowing exactly what is owed – and that the amount will not grow over time – can make it easier to budget and plan ahead. With J.N.G loans are as straightforward as any of our other credit products. Having a poor credit history doesn’t complicate things at all.

  • 2. How do I open a J.N.G shopping account?

    It couldn’t be simpler.

    There are no credit checks or complicated forms. You simply give us your contact details and postcode and leave the rest to us. The J.N.G agent for your area will then contact you to discuss the simple process of opening a shopping account and making your first purchase should you wish.