De Carteret House, 7 Castle Street, St Helier, Jersey JE2 3BT
01534 769669

Frequently Asked Questions

  • Be over 18 and no older than 70 when the loan term ends
  • Be a Jersey resident for at least two years
  • Be in employment or have a regular source of income
  • Have a UK or Jersey bank account that accepts Direct Debit instructions
You can enquire online via our contact form, by phone on +44 (0) 1534 769669, or in person at our office.
Yes. Self-employed applicants are welcome to apply for finance.

Finance can be used for home improvements, purchasing a vehicle or other personal expenses.

It cannot be used for investments, gambling or illegal activities.

Loan terms are typically up to 5 years for unsecured finance and up to 8 years for secured finance
Once documents are signed, funds are typically released within 24 hours.

Bank processing times may vary.
Yes. A repayment date can normally be chosen to suit your income.

Yes. An arrangement fee may apply, typically up to 3% of the amount borrowed (minimum £295).

Please see our Terms and Conditions for details.

A general enquiry with Versus Finance (for example by phone, email or contact form) does not affect your credit score.

Versus Finance will review your enquiry before proceeding with a formal application. Credit searches are normally carried out once a completed application has been received.

If you have any questions before submitting a formal application, please contact us on 01534 769669 or via our contact form.

Several factors may affect your eligibility, including:

  • Credit history (missed payments or defaults)
  • Recent declined credit applications
  • High levels of existing borrowing
  • Income and affordability

All applications are assessed on a case-by-case basis.

Your first repayment is typically due one month after the funds are released.

The amount you can borrow depends on your individual circumstances, including income, affordability and credit profile.

  • Personal loans: typically from £5,000 to £50,000
  • Business and asset finance: from £5,000 upwards
A decision can normally be provided within 24 hours of receiving a complete application (excluding weekends and bank holidays).

Secured loans: backed by an asset (e.g. property or equipment) and may offer lower interest rates.

Unsecured loans: do not require collateral and are typically based on income and credit profile, often at a higher interest rate.

Yes. Portuguese-speaking support is available in our office, over the phone and by email.

Yes. Versus Finance assists Jersey businesses with funding solutions including working capital loans, asset finance and commercial lending.

If you are considering business funding, you can contact us to discuss your requirements.

Versus Finance has been supporting clients in Jersey for nearly a decade and brings over 17 years of Director-level local lending experience.

We focus on providing clear, well-structured finance options, allowing clients to make informed decisions based on their individual circumstances.

Versus Finance primarily serves clients based in Jersey.

In some cases we may assist clients with Jersey connections or assets. Please contact us to discuss your circumstances.

Early settlement may be possible depending on the lender and the terms of the finance agreement.

A settlement figure can normally be requested at any time.

If you can't find the information you need, please contact us by phone on 01534 769669 or by completing our contact form.

A member of our team will be happy to assist.

Still have a question?
Contact us today