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
  • Have been a Jersey Channel Islands resident for at least 2 years
  • Be in employment with no probationary period and have a regular income
  • Have a UK or Jersey based bank account which accepts Direct Debit instructions
You can enquire about a loan via our contact form, over the phone on + 44 (0) 1534 769669 or in person at our offices.
Yes you can, you can buy any vehicle from any reputable dealer in Jersey and the UK.
You can take out a loan for almost any reason including home improvements, buying a car or a motorcycle, taking a holiday and a whole host of others. You cannot borrow money for investments or timeshares or to fund any criminal activity or any type of gambling.
Typically, loan terms range from 36 to 60 months, depending on loan type and lender criteria.
If your application is accepted by the Lender the funds will usually credit your specified bank account within 48 hours of receiving your signed Loan Agreement ( excluding weekends or bank holidays).
Yes you can choose the date that suits you best.
Yes, we charge a brokerage fee for Personal, Business, and Mortgage services. Please refer to our Terms and Conditions for further details.
Apply online or in person. We will provide a quote and next steps once we receive your application. We will need:
  • Proof of ID
  • Proof of Address (within 3 months)
  • Last 3 months of complete bank statements (current, savings, and e-money)

Several factors can impact your eligibility for a loan. These include:

  • Declined loans in the past 3 months
  • Loan stacking
  • Unsatisfied judgments
  • Gambling behaviour
  • Credit history (missed payments or defaults)
  • High levels of existing debt

Please note: Loan eligibility is assessed on a case-by-case basis. The factors listed above serve as general guidelines. If you have specific concerns, feel free to reach out to us.

Your first repayment will start a month after you receive your funds.
You can borrow between £5,000 and £50,000 for unsecured loans. For larger loans or secured loans please contact us to discuss your needs.
Once we receive your application we can give you an “in principle“ decision within 24 hours (excluding weekends or bank holidays)
A secured loan is backed by collateral (e.g., property or assets ) and typically has lower interest rates. In contrast, an unsecured loan does not require collateral but usually has higher interest rates
Yes, we do have Portuguese speakers in house.
Give us a ring on 01534 769669 or email us at support@versusfinance.com or simply fill our contact form here and we will get back to you as soon as possible
Using an established finance broker such as Versus Finance has multiple benefits. Were a one –stop shop with over 10 years of pure local lending experience with a portfolio of funder relationships that is really second to none. 

Expertise:  We are full time lending experts with years of local lending experience who work with a broad panel of regulated lenders. 

Support:  With us you get your dedicated Personal Account Manager with a direct contact number, this way you don’t have to seek out multiple points of contact, you won’t be passed from pillar to post or have to go thru a flood of automated call systems. 

Unencumbered. Because of our independence we are able to approach lenders unencumbered – allowing us to advise our clients both promptly and impartially without being influenced or restricted to a specific lender or product thus giving us a tremendous advantage over our competitors.

No, Versus Finance only services clients within the Jersey Channel Islands.