The interest rate is the cost of borrowing on the principal loan amount whilst the APRC includes the interest rate plus any other fees applicable to the loan.

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Furthermore:

1. The company is entitled to assign this agreement and/or the debt of any outstanding Hire Purchase amount in terms of the Hire Purchase Agreement signed, whether in whole or in part, in favour of any local and foreign Financial and Banking Institutions.
2. The company reserves the right to pass on information and personal details of defaulting Borrowers to credit agencies, as well as to any third party legally entitled to receive such information,  who during the life span of the loan do not adhere to the fulfillment of any terms of the Loan Agreement.

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Presently our rate is of 9% but is discounted for specific offers and products offered by Finance House plc. Current special interest rate offers start from a reduced Interest rate of 6.99% Per annum, subject to terms and conditions.

Representative example:

*The Annual Percentage Rate of Charge (APRC) on a loan of €10,000, repayable over 5 years at a fixed borrowing rate of 9% per annum, will be 13.46%. The loan will be repayable in 60 equal monthly instalments of €229.90. The total amount paid after 5 years will be €13,793.93

*The Annual Percentage Rate of Charge (APRC) on a loan of €10,000, repayable over 5 years at a fixed borrowing rate of 6.99% per annum, will be 9.85%. The loan will be repayable in 60 equal monthly instalments of €211.72. The total amount paid after 5 years will be €12,703.40.

Extra payments are accepted however the full early repayment of the loan may attract early settlement fees.

Finance House plc will verify your application and documentation. In addition, we will review your loan affordability and credit rating. All applications should be in line with Know Your Customer (KYC) procedures and Anti Money Laundering (AML/CFT) regulations.

Your monthly payments will begin on the month following the signing of your loan agreement. For contracts signed prior to the 5^th of the month, 1^st bill will become due on the 5^th of the following month, for contracts signed between the 6^th and the 20^th of the month, first bill will become due on the 20^th of the following month, for contracts signed between the 21^st and the end of the month, 1^st bill will become due on the 5^th of the next month.

Yes, you can however this may attract early settlement fees.

Cancelling of loans may be subject to charges depending on the stage the loan processing is in. To cancel your loan application kindly send an email to [email protected]

The minimum loan value starts from Euro 2,000. The maximum amount you may borrow is subject to your financial status. For more information refer to our Financial Solutions section here. Terms and conditions may apply.

All Monthly payments must be effected through a direct debit mandate or standing order.

We endeavour to provide an initial reply within 24 hours (excluding Sundays and public holidays) from submission of loan application subject to having all the correct details and paperwork.

You can apply for a loan by clicking here. Alternatively, you can visit our offices in Valley Road, Msida.

The detailed terms of your loan are provided within the loan contract prior to signing of agreement.

To change any of your information, kindly send an email to [email protected]

The Loan funds will be supplied to you through a direct payment to the supplier indicated on the invoice submitted by yourself, unless otherwise stated by specific loan products offered by us.

No, once payment date is agreed on, this cannot be changed. For any difficulties, kindly send an email to [email protected]

The following documentation is required:

• Copy of a valid Identity Document (ID Card or Passport).
• Proof of permanent resident address if this is not evident on identity document, which can be in the form of a Utility Bill, Bank Statement or correspondence from local Government authority department.
• Residence Rental agreement if applicable.
• Copies of the latest three payslips and FS3 for previous year. In the case of self-employed individuals, we will request copies of your Profit and Loss Accounts and Tax Statements issued by the Inland Revenue Department for the last two years.
• Non-Maltese nationals may be required to provide additional information in respect of their residency status, occupation and permanency in Malta as proof that they have been residing in Malta for more than five years.
• Copy of the latest bank statement where salary/income is being transacted (3 months history).
• Other documentation may be requested at point of loan application review.

You can submit all documents when applying online in pdf, jpeg or word format. The maximum file size allowed is of 5MB. Alternatively, you can personally hand in your documents by visiting our offices in Valley Road, Msida.