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Frequently Asked Questions

Finance can be daunting and processes can often change with new regulations and procedures, so we’ve compiled some common questions and answers to assist you.

If there’s anything that not answered here, please Contact us and we’ll help how we can – and update our FAQ periodically to include relevant additions.

From Customers
  1. What is the Financial Conduct Authority (FCA)?

    The FCA is a financial regulatory body in the United Kingdom, but operates independently of the UK Government, and is financed by charging fees to members of the financial services industry.

  2. Is there a cancellation period for finance?

    Yes. There is a 14 day cooling off period.

    This can be waived upon request from the customer if they want you to carry out the works before the expiry of the 14 day period.

  3. What does APR mean?

    Annual Percentage Rate is the total cost of the customers borrowing for a year. The APR includes the standard fees and interest the customer will have to pay the lender.

  4. What happens if the customer does not pay the contractual monthly payment to the lender?

    They will be charged a fixed penalty charge from the lender, and it will also impact on the customer’s credit score.

  5. Who does your customer call if they have any questions?

    They should contact Bowen Finance via email at or, call us on 01745 472177.

From IARs
  1. What can I do as an IAR?

    You can introduce your customers who want finance (i.e. a personal loan to purchase your products and services) to Bowen Finance. Bowen Finance will then contact the customer and deal with their finance application

  2. Why should my company consider become an IAR of Bowen Finance?

    Because it will potentially increase your companies sales and revenue!

  3. When will the customer know if their application has become successful?

    Within a short time of submitting the application.

  4. Is there a cancellation period for the finance?

    Yes. There is a 14 day cooling off period. This can be waived upon request from the customer.

From Lenders
  1. How do I register to be a lender to Bowen Finance?

    Contact our team by emailing your interest to or, call us on 01745 472177.