QUILAM CAPITAL CREDIT FINANCE LIMITED brings institutional-grade lending to your pocket. Transparent rates, instant decisions, and a financial partnership built on respect and trust.
We combine the rigour of traditional finance with the speed and transparency of modern technology — because you deserve both.
Get a real-time indication of your borrowing capacity in under 60 seconds, with zero impact on your credit score. No paperwork, no waiting rooms, no guesswork.
Our proprietary algorithm analyses over 200 financial data points to match you with the most competitive rate available for your profile — every single time.
No hidden fees. No surprise charges. No small print ambushes. Every rate, term, and total cost is shown upfront before you make any commitment.
Life changes — your repayment schedule can too. We offer payment holidays, early settlement without penalty fees, and adjustable monthly payment options.
Every on-time payment with Quilam Capital is reported to major credit agencies, actively helping you build a stronger financial profile for the future.
Our team of qualified financial advisors is available around the clock via in-app messaging, phone, and video call. You're never alone in your financial journey.
We've stripped away the complexity of traditional lending. Here's exactly what happens when you apply with Quilam Capital.
Install the Quilam Capital app from the Apple App Store. Create your secure account in minutes with just your email address and a few personal details. Your data is encrypted end-to-end from the very first tap.
Answer a short series of guided questions about your financial situation. Our intelligent form adapts to your answers, so you only see what's relevant to your specific borrowing needs — typically under 3 minutes total.
Our decision engine evaluates your application and returns a personalised offer with a clear interest rate, monthly repayment, and total cost. No false promises — just honest, data-driven results.
Accept your offer with one tap and funds are transferred directly to your nominated bank account. Many customers see funds arrive the same business day, with full visibility throughout the process.
Identity verified securely
Soft credit check completed
Personalised rate calculated
Digital signature, legally binding
Direct to your bank account
Whether you're consolidating debt, growing your business, or handling an unexpected expense — we have a credit solution designed for you.
From holiday costs to home improvements, our personal loans give you the flexibility to fund life's moments without compromising your financial health.
Flexible revolving credit for sole traders and SMEs. Draw down when you need capital, repay as cash flow allows — your business, your terms.
Take control of multiple debts by combining them into a single, lower monthly payment. Reduce financial stress and build a clearer path to freedom.
* Representative APR based on a £5,000 loan over 36 months. Your actual rate may differ based on your individual circumstances. All lending subject to status and eligibility.
QUILAM CAPITAL CREDIT FINANCE LIMITED was founded on a straightforward belief: that every person deserves access to fair, transparent credit — without the jargon, the intimidation, or the hidden costs.
Our founding team brings together decades of experience from leading financial institutions, technology companies, and consumer rights advocacy. We've seen firsthand how traditional lending can fail everyday people — and we built Quilam Capital to do it better.
Democratise access to responsible credit for every working adult in the UK.
Every cost, every term, every condition — made clear before you sign anything.
We only approve loans we genuinely believe customers can afford to repay comfortably.
Continuously improving our platform through customer feedback and emerging technology.
Don't take our word for it. Here's what our pre-launch community is saying about their experience with Quilam Capital.
"Finally, a credit provider that actually explains what I'm signing up for. The rate I received was nearly 4% lower than my bank offered, and the entire process took less than four minutes. Genuinely impressive."
"As a small business owner, cash flow is everything. The revolving credit facility from Quilam Capital has given me the breathing room to take on larger contracts with confidence. The support team is outstanding."
"I used the debt consolidation product to combine three separate credit cards. My monthly payments dropped by £280 and I actually understand my financial position for the first time in years. Life-changing, honestly."
Your financial data is more sensitive than almost anything else about you. We treat it that way — with world-class security infrastructure at every layer.
The same encryption standard used by leading global banks. Every piece of data — in transit and at rest — is protected by AES-256 encryption.
Face ID and Touch ID integration means only you can access your account. No passwords to forget — or to steal.
Our lending policies are designed to align with Financial Conduct Authority guidelines, ensuring responsible, consumer-first practices at every stage.
Your data is yours. We comply fully with UK GDPR regulations, giving you complete control over how your personal information is stored and used.
Our AI-powered fraud detection monitors your account 24/7. Any unusual activity triggers an immediate notification and automatic account protection.
Hosted on ISO 27001-certified cloud infrastructure with 99.99% uptime SLA, multi-region redundancy, and continuous security auditing.
The Quilam Capital app is coming to the Apple App Store. Join our pre-launch community and be first in line when we go live — plus receive exclusive early-access interest rates.
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QUILAM CAPITAL CREDIT FINANCE LIMITED is committed to operating within the highest standards of UK financial regulation. Our products and practices are designed to align with Financial Conduct Authority consumer credit requirements, UK GDPR data protection legislation, and the Consumer Duty framework — ensuring fair, transparent outcomes for every customer.
Everything you need to know before you apply. Can't find your answer? Our team is always ready to help.
No. Our initial eligibility check uses a soft credit search, which is invisible to other lenders and does not impact your credit score. A hard search is only performed if you proceed with a full application and formally accept an offer.
Once your application is approved and your agreement is signed, funds are typically transferred within one business day. Many customers with accounts at major UK banks receive funds the same day the agreement is completed.
We don't operate on a simple score threshold. Our decision engine considers your full financial picture, including income, outgoings, and credit history. We believe in giving everyone a fair assessment based on their individual circumstances.
Absolutely. We charge no early settlement fees on any of our personal loan products. If you wish to repay early, you'll simply pay interest for the days you've held the loan — nothing more.
Your data security is paramount. We use 256-bit AES encryption, comply fully with UK GDPR legislation, and never sell your data to third parties. You have the right to access, correct, or delete your data at any time.
The Quilam Capital iOS app is currently in final testing and will be submitted to the Apple App Store very soon. Register your email on our site to receive an instant notification the moment the app is live — plus exclusive early-launch rate offers.
In most cases, you'll need valid photo ID (passport or driving licence), proof of address (dated within 3 months), and recent bank statements. Our app guides you through every step with clear instructions and secure document upload.
Absolutely. We have a dedicated financial wellbeing team trained to support customers experiencing difficulty. We strongly encourage anyone facing challenges to contact us early — we have a range of flexible options available and we will always treat you with respect and without judgement.