We know that borrowing money can feel daunting and it's natural to have questions. Below you'll find honest and straightforward answers to the questions that our customers ask us the most. If you can't find what you're looking for, our team is always happy to help. Simply visit our Contact Us page, send us a message and we'll get back to you as quickly as possible.
Gemini is a UK credit broker, not a lender. We connect customers with a carefully selected panel of FCA-authorised lenders who may be able to offer short-term loans. You complete one simple application with us, and we securely forward your details to suitable lenders. This increases your chances of finding a suitable offer without having to apply to multiple companies yourself.
You can apply for amounts from £100 up to £5,000. The exact amount you are offered depends on the lender’s assessment of your affordability and personal circumstances. Because we work with multiple lenders, you often have a better chance of finding a suitable offer.
Repayment terms typically range from 1 month up to 36 months, depending on the lender and the amount borrowed. Shorter loans are more common for smaller amounts, while larger loans may be spread over a longer period to keep monthly repayments manageable.
Yes. Many of our partner lenders are willing to consider applications from people with bad credit or limited credit history. However, approval is never guaranteed and is always based on your current financial situation and whether the lender believes the loan is affordable for you.
During the initial eligibility check we only perform a soft credit search, which does not affect your credit score. If you choose to proceed with a lender, they may carry out a hard credit search, which will be visible on your credit file and may have a temporary impact.
Many of our partner lenders can give an instant decision. If approved, funds are usually transferred on the same day, often within 1 hour, although this depends on your bank and whether it supports Faster Payments.
No. Using Gemini is completely free. We do not charge any application or broker fees. All costs, interest and charges will be clearly shown by the lender before you agree to the loan.
Contact the lender as soon as possible. Lenders are legally required to treat you fairly and must work with you to find a realistic solution, such as a revised repayment plan. Missing payments can lead to extra charges and may affect your credit score.
No. Gemini is a credit broker. We do not lend money ourselves and we do not make credit decisions. Our role is to match you with suitable lenders from our panel. If a loan is arranged, we may receive a commission from the lender. This does not increase the cost to you.
Yes. All high-cost short-term credit, including payday loans, is strictly regulated by the Financial Conduct Authority (FCA). Lenders must follow strict rules, including a price cap of 0.8% interest per day and a total cost cap so you never repay more than double the original amount borrowed.
You complete one simple, secure online application with us. We then pass your details securely to suitable lenders from our panel. You will receive an instant eligibility decision from one or more lenders. If you like an offer, you can accept it directly with the lender.
You will need to provide basic personal details, contact information, employment status, income details, and bank account information. We may also ask for proof of identity and income during the process. All information is transmitted securely.
Yes, some of our partner lenders will consider applications from people receiving benefits, provided the loan is affordable based on your total income. Approval is still subject to the lender’s affordability assessment.
Yes. We use bank-level 256-bit SSL encryption and never share your data with anyone except the lenders you are matched with. We are fully compliant with UK data protection laws and never sell customer information.
Yes. Once approved, you can use the money for any legal purpose. Common uses include emergency bills, car repairs, household expenses, or unexpected costs.
All high-cost short-term credit is subject to a strict price cap set by the Financial Conduct Authority. The total cost (interest and fees) can never exceed 100% of the amount borrowed.
Rollovers are heavily restricted under FCA rules. Lenders may only allow one extension in very limited circumstances and must carry out a fresh affordability assessment. It is always better to contact the lender early if you are struggling.
A CPA is a payment authority that allows the lender to take money directly from your bank account on the agreed repayment date. You can cancel a CPA at any time by contacting your bank or the lender.
Yes. You have a 14-day cooling-off period from the date the loan is agreed. You can cancel within this time and repay only the amount borrowed plus any accrued interest up to the cancellation date.
We match your application against our panel of lenders based on your circumstances and their current lending criteria. This helps increase the likelihood of you receiving relevant offers without unnecessary credit searches.
You must be at least 18 years old, a UK resident, have a regular source of income, and hold a UK bank account with a debit card. Final approval always depends on the lender’s affordability and credit assessment.
You must be at least 18 years old. There is no strict upper age limit, but lenders will assess whether the loan is affordable based on your income and circumstances.
Alternatives include credit union loans, government budgeting advances, 0% purchase credit cards, or borrowing from family and friends. For longer-term needs, consider a personal loan or an authorised overdraft, which are usually much cheaper.
Lenders are required by the FCA to carry out a thorough affordability assessment before approving any loan. You should only borrow what you can comfortably repay from your regular income without affecting essential living costs.