RESPONSIBLE LENDING

34 Degrees is a trustworthy and responsible lending company. We respect our customers and treat them the way we would expect to be treated.

We assist our customers. We won't offer you a loan that you can't afford to pay back. We assess your financial information and look at your monthly income and monthly expenses so that we can establish your capacity to repay the loan. We want to ensure that we proactively help you with our personal loans to make your financial life better, not worse.

Some financial institutions benefit off the misfortune of others by including additional fees in the fine print. We always make everything very clear and simple to understand before we issue you with a personal loan in a manner that is open and transparent. No hidden fees, no catches.

We place an emphasis on building a responsible and trusting relationship with our customers. Unlike some other lenders, we don't encourage you to borrow silly amounts just to gain your custom. We make sure that we come up with an amount that you can comfortably repay.

We have a no-go roll over policy on our loans. Our mission and values go against profiting from hidden fees & charges. We lend small amounts for a short time, to help you move on with your life - and if you need us again in the future, we will do our best to help you.

We take your privacy very seriously. It matters to us and you can be rest assured that your personal information will be held in the strictest of confidence.

Borrowing money shouldn’t be taken lightly. When you’re approved for a loan with a lender, it becomes a 2-way street and we expect you hold up your end of the relationship. Our goal is to help you as a lifetime customer and make it as simple for you to access cash loans online whenever you need one. We ask that you carefully consider your decision and only apply for a loan if you believe you can repay the loan in full in the agreed time-frame.