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 normally due one month after the funds are released.
  • Personal loans: £5,000 – £50,000 (unsecured)
  • Business and asset finance: higher amounts available

Applications are subject to status and individual circumstances.

A decision can normally be provided within 24 hours of receiving a complete application (excluding weekends and bank holidays).
A secured loan is backed by collateral (such as property or other assets) and may offer lower interest rates. An unsecured loan does not require collateral but may carry higher rates.

Yes. Portuguese-speaking assistance is available in our office, over the phone or by email if preferred.

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

Please contact us to discuss your business finance requirements.

Versus Finance has been serving clients in Jersey for nearly a decade, with over 17 years of local lending experience.

Our experience and focus on Jersey allow us to understand the island’s lending market and help clients find suitable finance solutions.

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.