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SAPI Loans FAQs
Find answers to commonly asked questions regarding SAPI Loans.
What is SAPI?
SAPI is a London-based fintech, we specialise in providing Loan-Program-as-a-Service to payment companies and marketplaces across the UK and Europe. Our mission is to empower our valued partners, enabling them to offer tailor-made busine...
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How much does a loan with SAPI cost?
SAPI loans adhere to a transparent and fixed fee structure, encompassing a percentage of the total loan amount. The distinct advantage here is clarity – you're well-informed of your upfront costs, exempt from any concealed charges or une...
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What interest rate and fees apply?
At SAPI, our unwavering objective is to establish a lending process that epitomizes transparency and simplicity. Our aim is to ensure that you possess all the essential information to make well-informed choices concerning your b...
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Does applying for SAPI Loans hurt my credit rating or require collateral?
We truly understand the importance you place on safeguarding your credit rating, and we want to assure you that seeking a loan through SAPI bears no influence upon it. Feel confident in the knowledge that your credit rating remains unaff...
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When will I receive the funds?
Here at SAPI, we comprehend the pivotal role swift access to funds plays in the success of your business. Thus, we're resolutely committed to ensuring that your approved funds are promptly disbursed right after approval. Typically...
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What is the repayment length of my loan?
The duration of your loan is contingent upon the specifics of your loan offer, a detail that will be clearly communicated both during the application process and within your loan agreement. At SAPI Loans, we are wholeheartedly committed ...
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Is there a minimum payment?
At SAPI, our unwavering dedication lies in supporting your consistent advancement toward repaying your loan on terms that suit your unique circumstances. The minimum repayment requirement and maximum loan term are crucial aspects clearly...
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Can I cancel my loan request?
We recognize that life's circumstances can take unexpected turns, and you might find yourself needing to reconsider your loan request. If you have a change of heart while in the midst of the loan application process, rest assured that yo...
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Can I change my repayment rate after I accept my offer?
At SAPI, our commitment revolves around furnishing you with transparent and unequivocal insights into our lending process. Our ultimate aim is to empower you to make well-informed decisions. It's essential to reiterate that your repaymen...
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Can I change my loan amount after funds have been deposited?
Here at SAPI, our foremost goal is to ensure your experience with our lending service is nothing short of positive. We understand that circumstances can evolve, necessitating adjustments to your loan application or funding even after app...
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Can I find out why my application was not approved?
We regret to learn that your loan application did not secure approval, and we want to extend our gratitude for considering SAPI as a potential source for your funding requirements. Each application is subject to a meticulous evaluation b...
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How can I seek independent legal advice?
We understand that dealing with financial difficulties can be challenging, and it is important to have access to the right resources and support. If you feel that you would benefit from independent legal advice, you may wish to consider ...
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