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Frequently Asked Questions

Answers to the questions we're asked the most

Common questions

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How can I apply for a loan?

You can apply 24/7 by completing an online application from your computer, mobile or tablet, which usually takes just a few minutes. Once you are approved you can use the service immediately, wherever you are and whenever you like. You only need to complete the application once and can then request loans without having to fill in any more applications. We will send you a text and email to let you know if you are approved. After that you simply request your loan from your online account or by calling us. We usually send money to your account within 15 minutes of your request. In some cases we may need to confirm your address and bank details against other documents such as your bank statement, passport or driving licence. If we need to do this, we will tell you what we need.

RETURNING BORROWERS

There is no need to reapply. Simply log in to your account at www.myjar.com/login, update any information that is requested and proceed. Choose your preferred loan from the options presented and then the exact amount you want to borrow. Review your schedule and click BORROW.

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How do I get a loan?

To get a loan from MYJAR you need to have a regular income, be over 18 and living in the UK, have a UK bank account with an active debit card, mobile phone and email address. MYJAR will make thorough checks, including with a credit reference agency to support our lending decisions and assess the affordability of the loan. You need to be able to repay your loan on time, so if you think that you might struggle to repay us, then MYJAR is not right for you.

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How do I know if my loan is agreed?

If your loan application is agreed, we will tell you once the application process is completed via the information presented in your account area. We will also send you a text message and email in confirmation. If your application is declined, we will also let you know via email.

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What personal information do I need to provide?

To apply, there is a simple application form to complete. We will need details about you, such as: your income and expenditure, your bank account and debit card when you make your application. If we need other information, we will let you know. It is important that the information that you provide is complete and accurate because we use the information that you provide when assessing your application. We never want to lend to anyone if it is going to cause them difficulties in repaying.

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How much will it cost to apply for a loan with MYJAR?

It's absolutely free to apply. We only charge you when you borrow from us and we make the costs clear and simple to understand.

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How much does a MYJAR loan cost?

It is absolutely free to apply for a loan from us. We only start to charge after you have received your money and are ready to make your first loan repayment. Here at MYJAR we pride ourselves in keeping details of all costs clear, simple and transparent. Here are some examples:

3 month loan: 0.75% per day (or 75p for each £100 borrowed). 274% (variable) per annum. Representative 1081% APR.

6 month loan: 0.65% per day (or 65p for each £100 borrowed). 237% (variable) per annum. Representative 774% APR.

12 month loan: 0.35% per day (or 35p for each £100 borrowed). 128% (variable) per annum. Representative 237% APR.

We guarantee that you will not be required to repay more than twice the amount you originally borrowed.

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Is a loan from MYJAR right for me?

We offer instalment loans over durations of up to 12 months for amounts up to £3600. We do not allow rollovers. We are a direct lender. You should only borrow from us if you are sure that you will be able to repay when payments are due. If you do not repay your loan on time, there will be additional interest and costs that you will need to pay. Short term loans should not be used as a long term financial solution and if you already have concerns about your debt commitment, you should not apply with MYJAR.

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What if my credit score is low?

Because our loans are for a short term and all of our customers must have a regular income, even people with a low credit score might find that a MYJAR loan is suitable for them. The most important thing for you and for us is that you do not borrow if you are not sure that you will be able to repay the loan on time.

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Do I need to be employed?

You need to have a regular income of £400 per month to use our service. As a responsible lender, we want to make sure that you'll be able to pay the loan back on time and without any difficulties.

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Can I get a loan if I'm not a homeowner?

Yes you can, we welcome homeowners and renters. The most important thing is that you are sure you will be able to repay the loan on time and without difficulty.

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Do I need a bank account?

Yes. MYJAR sends money directly to a bank account and collects from the same account using your debit card. However, even people who only have basic bank accounts and a debit card are welcome to apply for loans from us. Please note that we cannot approve applications with a prepaid card or credit card.

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Do I need to provide any supporting documentation?

In some circumstances you may need to provide additional information such as bank statements, a copy of your debit card or a proof of your address. We will tell you if we need these from you during the application process.

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What does it cost to call MYJAR?

MYJAR's 020 3006 2000 telephone number is a standard geographic number for the London region. We do not use premium rate numbers.

We also have a range of self-service on-line options that will cost you nothing to use and are available 24/7, even when our call centre is closed.

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How much does it cost to send a text to MYJAR on 82777?

MYJAR does not use a premium rate SMS number or charge you to send an SMS to MYJAR; however, your standard network charges will apply.

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How do MYJAR measure the % of customers that would recommend them?

We use the information that customers provide in feedback to us to measure the customer rating. We update the score on our website every month.

We also receive feedback through an independent site, Trustpilot. Visit www.trustpilot.co.uk/myjar to see reviews from our customers.

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How can I see my loan schedule?

First time borrowers have the choice of a loan terms between 3 months and 12 months, subject to approval.

When you request your loan you will be presented with a detailed schedule of the instalments and how much is due to be repaid and when. Once you have borrowed you can log back into your account and check the schedule at any time. You can also choose to repay in full at any time and you will only pay for the days that you borrow. If you want to make partial payments when it suits you, to reduce your interest payments, simply log in to your account and enter the amount you want to repay.

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How long is a MYJAR loan?

First time borrowers have a choice of loan terms between 3 months and 12 months, subject to approval. You can choose to repay in full at any time and you will only pay for the days that you borrow. If you want to make partial payments when it suits you, to reduce your interest payments, simply log in to your account and enter the amount you want to repay.

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Application process

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How does credit scoring work?

Credit scoring takes into account information provided directly by you, any information we may hold about you, and any information we may obtain from other organisations, such as credit reference agencies. If you ask us, we will tell you who they are.

The credit scoring system allocates points for each piece of relevant information and uses these to produce a score. When your score reaches a certain level then we will generally agree to your application. If your score does not reach this level, we may not. Sometimes scores are calculated by credit reference agencies and we may use these in our assessment.

The points allocated are based on thorough analysis of large numbers of repayment histories over many years of providing credit. This statistical analysis enables us to identify characteristics that predict a likelihood of future performance. For example, if individuals falling within a particular age group have proved to be more likely to meet payments than those falling within another age group, the points allocated will reflect this. Credit scoring produces consistent decisions and is designed to ensure all applicants are treated fairly.

Additionally, we use policy rules to determine whether we will lend. These reflect our commercial experience and requirements. Every credit or loan application involves a certain level of repayment risk for the lender, no matter how reliable or responsible an applicant is. Credit scoring enables us to calculate the level of risk for each applicant based on the information we have obtained. If the level of acceptable risk to us is exceeded, we will not accept the application.

This does not mean that any declined applicant is a bad payer. It simply means that based on the information available to us, we are not prepared to take the risk of granting that loan. Lenders are not obliged to accept an application. Lenders have different lending policies and scoring systems and so applications to them may be assessed differently. This means that one lender may accept your application, but another may not. 

To learn more about credit scoring and how it affects you, we recommend reading our blog posts about what a credit score is, and the difference between a credit score and a credit rating. Then, understand how debt affects your credit score, and some steps you can take to make yourself more creditworthy.

IS CREDIT SCORING FAIR?

We believe that credit scoring is fair and impartial. It is applied evenly to all applicants and it treats the information that we receive in a consistent way. We test our credit scoring methods regularly to make sure they continue to be fair and unbiased.

Responsible lending is essential for the good of both applicants and lenders.

The Financial Conduct Authority regulates credit and considers credit scoring to be an aid to responsible lending.

WHAT HAPPENS IF YOUR APPLICATION IS DECLINED?

If we do not accept your application, we will tell you. We will also tell you the principal reason why we were unable to agree your request. If you did not pass our credit score, we will tell you. 

If we have declined your application, you may contact us and ask us to reconsider our decision. We will generally ask you to provide us with additional information. We will tell you what information you will need to give us.

If you’re having financial difficulties, get free anonymous debt advice from Payplan.  

If you wish to ask us to reconsider our decision then please contact us at:

MYJAR, PO Box 6040, Westcliff-on-Sea, SS1 9TE

If you ask us to do this your application will be reviewed independently of the original credit assessment.

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Why can't I complete the application process?

If you are having problems completing the MYJAR application, make sure you have followed the instructions carefully and answered all the questions with the correct information. If you have checked through the information for errors and are still having problems, please use the Contact Us form, Live Chat or call us on 020 3006 2000 and we will help you.

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Why can't I activate my account?

If you are missing any of the details required to complete the application (e.g. PIN code) please use the Contact Us form, Live Chat or call us on 020 3006 2000 and we will help you.

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Why hasn't my confirmation email from MYJAR arrived?

It could be that your email provider has mistaken our confirmation email for spam (unsolicited junk email). Check your spam or junk folder to see if you can find an email from MYJAR. Prevent this from happening in the future by adding info@myjar.com to your contacts or by marking it as a safe address.

If the email isn't in your spam or junk folder, you could have accidentally given us the wrong email address when completing your application. If this is the case, please use the Contact Us form, Live Chat or call us on 020 3006 2000 to let us know so we can update your email address.

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Why haven't I received my PIN code?

If you have not received a PIN code during the application process please check that the mobile number you provided is correct. In Step 4 of the application process we show you the mobile number that you gave us and you can change it there and we will send you a new PIN by SMS.

Alternatively you can use the Contact Us form, Live Chat or call us on 020 3006 2000.

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What do I need the PIN code for?

The PIN code is needed to complete your application and is input in Step 4 of the application form to complete the process. Once you are approved to borrow it is used to log in to your account, to help us identify you when you make contact with us and to request a loan in the future.

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What if I forget my PIN (password)?

If you forget your PIN we have a range of different ways for you to request a new one.

  • If you forget your PIN you can request a new one by texting us the words 'LOAN' and 'PIN' to 82777 by using your registered mobile number, i.e. LOAN PIN (Text messages will be charged at your standard network rate)
  • If you have registered your email address with us you can send us an email by using the Contact Us form (there’s an option there ‘I need a new PIN’)
  • You can request a new PIN via the prompts on our phone number 020 3006 2000

Please note that if your mobile number is now different to the one you registered please call us on 020 3006 2000 to register your new number and request a PIN.

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How do I log into my account?

You can log in to your account by selecting the Login option from the top menu on the homepage and enter your mobile phone number and PIN as requested. You can go directly to the Login page via www.myjar.com/login.

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Why can't I log in?

If you are finding it difficult to log in, please check to make sure you have typed your mobile number and PIN correctly. Both your mobile number and PIN need to be entered in exactly the same way as provided when you first completed the application form.

If you forget your PIN we have a range of different ways for you to request a new one:

  • If you forget your PIN you can request a new one by texting us the words 'LOAN' and 'PIN' to 82777 by using your registered mobile number, i.e. LOAN PIN (Text messages will be charged at your standard network rate)
  • If you have registered your email address with us you can send us an email by using the Contact Us form (there’s an option there ‘I need a new PIN’)
  • You can request a new PIN via the prompts on our phone number 020 3006 2000

Please note that if your mobile number is now different to the one you registered please call us on 020 3006 2000 to register your new number and request a PIN.

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What is the status of my application/account?

To find out the status of your account/application, please text the words “LOAN INFO” to 82777, using the mobile number you have registered with us or log in to your online account. If you need additional information, please use the Contact Us form, Live Chat, or call us on 020 3006 2000.

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How do I send my supporting documents?

You can send your supporting documents via email to info@MYJAR.com, by fax to 020 3004 0991, or by logging in to your online account and using the upload form. Acceptable file formats are JPEG, PNG, XPS, or PDF.

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Loan process

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How do I request a loan?

FIRST TIME BORROWERS

Click here for How to Apply.

RETURNING BORROWERS

There is no need to reapply. Simply log in to your account at www.myjar.com/login, update any information that is requested and proceed. Choose your preferred loan from the options presented and then the exact amount you want to borrow.

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How long will it take to receive the money?

Once you have requested your loan we will send money directly to your bank account within 15 minutes. As standard we use the Faster Payments system which has now been adopted by most banks. If your bank does not use Faster Payments they may take longer to transfer the funds to your account and you should check with your bank to find out how long the transfer will take.

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Is there a cost for the money to be transferred to my bank account?

No. We do not make a charge for sending your loan to your bank account.

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How do I know if I'm approved?

You will receive a text message and email to let you know when you are approved. If we decline your application we will send you an email.

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Once my application is approved, what do I need to do?

Once approved, simply request your loan from your online account area or by calling us. We will send money to your account within 15 minutes.

Sometimes there may be delays while your bank credits your account, but we will always try to send the money within 15 minutes using the account details that you have provided. If ever these details change, just get in touch with us and we can update them straight away.

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How much can I borrow?

We offer loans of up to £3600 over a loan term up to 12 months.

Just remember, you should never borrow if you are not sure that you will be able to pay your loan on time. Late payments can work out expensive and borrowing more than you can afford can lead to financial difficulties and stress and worry for you.

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As a returning customer how can I request a loan?

There is no need to reapply. Simply log in to your account at www.myjar.com/login, update any information that is requested and proceed. Choose your preferred loan from the options presented and then the exact amount you want to borrow.

Review your schedule and click BORROW. We will usually send money to your account within 15 minutes. Sometimes there may be delays while your bank credits your account but we will always try to send the money within 15 minutes, using the account details that you have provided. If ever these details change just get in touch with us and we can update them straight away.

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How can I check my loan balance or loan due date?

To check your outstanding balance or loan due date, please log in to your account at  www.myjar.com/login.

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When will my repayments be scheduled?

Your repayments will be scheduled on your monthly pay date. Depending upon when you request your loan it may not be the very next pay date but the following monthly pay date.

If you are paid weekly or every two weeks and you choose a loan with instalments we will schedule the instalments on a four weekly cycle.

Don’t forget that you can pay in part to reduce interest payments or pay in full early to only pay for the days that you have borrowed.

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Loan repayment

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How will I repay the loan?

Whenever you borrow from us, we will agree a date for repayments to be made and we will confirm this in writing to you. We will set your repayments to coincide with the date that you get paid monthly. If you are paid weekly or every two weeks and you choose a loan with instalments we will schedule the instalments on a four weekly cycle. Before a payment is due, we will send you a reminder to let you know how much we are going to take. If your payment is late, we will tell you and we may try to take the money a little later. If we do this, we will let you know the day before we try. You can make payments to cover scheduled instalments, make an extra payment or pay in full at any time you choose.

EASY WAYS TO PAY

ONLINE

  Log in to your account at myjar.com/login using your PIN and registered mobile number and select REPAY NOW

BY TEXT

  Send a text to 82777 with the words LOAN REPAY from your registered mobile (NOTE: This option will repay the full outstanding balance)

BY PHONE

  Call 020 3006 2000, select option 1 and follow the simple prompts

 

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How does continuous payment authority work?

When you sign up with us, you provide details of your debit card and agree that we can take payments from that card to repay your loan. This is called a Continuous Payment Authority. We will never take more money than we are owed by you and will always tell you at least a day before that we intend to take a payment. The amount we try to take will be the full instalment that is due, which may include unpaid interest and charges. However, if you specifically ask us to, we may take smaller amounts.

If there is not enough money on your account to pay your loan when it is due, we will contact you and let you know, and if appropriate, try to take the payment at a later time.

We will only ever try to take the payment, using the Continuous Payment Authority, a maximum of twice for any loan. If we are not able to obtain payment from your card after the second attempt, it will be your responsibility to arrange payment to us.

We will always send you a message to confirm that your payment has been received. You will be able to see the payment to us on your bank account with the narrative “MYJAR”.

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How can I cancel a continuous payment authority?

You can cancel a Continuous Payment Authority at any time. You can do this by contacting us on 020 3006 2000 or by emailing us at info@myjar.com. As soon as you ask us, we will suspend the use of your CPA. If you cancel your CPA, you will need to make other arrangements to pay us what you owe - late payments will lead to additional costs. You can also tell your bank at any time to stop making payments under the CPA.

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How much will it cost if my payment is late?

A default fee of £15 will be charged 3 days after your 1st missed repayment. Interest is charged at a daily rate of 0.8% - 0.35%, depending on the loan term you have chosen, on all amounts not paid by the due date.

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My loan repayment hasn't been collected yet. Why?

The most likely reason why we have not taken the payment due on your loan is that there is not enough money in your account. You can always check with us or your bank to see if we have attempted to obtain payment.

We always send an e-mail to confirm that our payment attempt has been successful. You can also check your loan status by logging into your account at myjar.com/login.

 If your loan is unpaid, you can make a payment from your account at myjar.com/login. Alternatively, follow the instructions below.

ONLINE

  Log in to your account at myjar.com/login using your PIN and registered mobile number and select REPAY NOW

BY TEXT

  Send a text to 82777 with the words LOAN REPAY from your registered mobile (NOTE: This option will repay the full outstanding balance)

BY PHONE

  Call 020 3006 2000, select option 1 and follow the simple prompts

 

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What happens after I have repaid my loan?

Once you have repaid your loan our systems will determine your new credit limit when you return to borrow again. The new limit will reflect your payment record with us and other information we have including from a credit reference agency. As a result of the checks we make, your credit limit and the loan options available to you might have changed. We might offer different limits depending on the term of the loan you choose. Longer-term loans are usually more affordable so your limit for a 12 month loan (if available to you) is likely to be higher than for shorter terms.

The most important thing when you borrow is that you are sure you will be able to make your repayments on time as late payment costs more and can have a negative effect on your credit score.

No matter how long you borrow for, you can save money by making early repayments.

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Can I change the dates of my loan instalments?

All loan durations will be scheduled for the full term that you have selected, however, don’t forget that you can pay in part to reduce interest payments or pay early in full and only pay for the days that you have borrowed. If your loan has been issued, please contact our customer service team on 020 3006 2000. Your instalment repayment dates have been set to coincide with your monthly pay dates.

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How long do I have to cancel my loan?

You can cancel your loan at any time up to 14 days after the loan has been paid to you. To do this you need to call us on 020 3006 2000. You can also write to us at MYJAR, PO Box 6040, Westcliff-on-Sea, SS1 9TE. If you do decide to cancel your loan, you must make sure that there is enough money in your bank account to enable us to take repayment and the accrued interest on the day that we receive your instructions.

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Can I repay the loan before the repayment date?

The sooner you repay your loan, the less it will cost you. You will only pay for the days that you borrow.

You can repay the loan early without extra charges using one of the following options.

ONLINE

Log in to your account at myjar.com/login using your PIN and registered mobile number and select REPAY NOW

BY TEXT

Send a text to 82777* with the words LOAN REPAY from your registered mobile (NOTE: This option will repay the full outstanding balance) 

BY PHONE

Call 020 3006 2000, select option 1 and follow the simple prompts

 

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After I have repaid the loan, how long will it take until I can apply for a new loan?

After you have repaid a loan you can apply for a new one at any time. We offer loans for up to 12 months so you will probably find it cheaper and easier to manage if you take a single loan over a longer term than having a number of shorter loans.

 

Short-term loans are not intended as a longer-term solution so if you find you need to borrow frequently you should consider whether this is the best option for you.

If you find that you need to take loans out often, you should consider getting help with your finances. You can get free advice from:

PayPlan                                                Website:https://www.payplan.com/                                

Phone: 0800 280 2816

 

National Debtline                             Website:www.nationaldebtline.co.uk                                                      

Phone: 0808 808 4000

 

StepChange Debt Charity             Website:http://www.stepchange.org/                                                               

Phone: 0800 138 1111

You can also find the details of your local Citizens Advice Bureau at www.citizensadvice.org.uk

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If I am late repaying my loan, will it affect my credit score with you?

Yes. If you are repaying your loan late, it may affect your credit score. If your loan is not repaid within 90 days of when it is due, we will register a default and this is the step that we must take before we take legal action. A default registered on your credit file will make it much more difficult to obtain credit.

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What if I can't repay the loan on the due date?

Be sure to tell us about your circumstances and we will do our best to help you. Ways how we can support you include allowing you additional time to pay.

We work closely with Payplan, one of the leading providers of free debt help. You can also get free independent debt help from National DebtlineChristians Against Poverty and Stepchange Debt Charity. You can also find details of your nearest Citizens Advice office.

We will always work with these agencies to find the best outcome for you.

National Debtline have produced an advice sheet that you might find useful and it can be found at Payday loans fact sheet.

If you are not sure that you will be able to repay your loan on time, a MYJAR loan is probably not right for you.

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What if I'm having financial difficulties?

We understand the stress that can be caused by financial difficulties. If you let us know that you are struggling, we will always try to help you by allowing you additional time to pay.

Although we are not authorised or regulated to provide debt advice, we support the work of the leading free debt advice agencies. They each have specially trained staff to help people with money problems and their success rate in finding good solutions is very high.

We work closely with Payplan, one of the leading providers of free debt help. You can also get free independent debt help from National DebtlineChristians Against Poverty and Stepchange Debt Charity. You can also find details of your nearest Citizens Advice office.

We will always work with these agencies to find the best outcome for you.

National Debtline have produced an advice sheet that you might find useful and it can be found at Payday loans fact sheet.

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How do I give you details of a Debt Management company that I am working with?

If you are currently seeking help from a debt management company, please ask them to contact us in writing with their authorisation to act on your behalf. They can send an email to dsa@myjar.com or fax the documents to 020 3004 0991. Once we receive the appropriate documentation, we will contact them directly.

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What does it mean if you send my account for debt collection?

If we send an account for debt collection, this means that we are asking other people to collect the loan for us. The money is still owed to us and still has to be paid.

The debt collection agencies that we use are all members of the Credit Services Association which is the debt collectors’ trade association and they set professional standards that all of their members must meet. The debt collectors that we use will always work with our customers to help them set up repayment arrangements that they can afford. However, if borrowers do not work with us or our agents to pay their loans, it may leave us with no choice other than to go to court. This is never what we want to do and we will always avoid that if we can.

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Do I get a reduction if I repay the loan early?

The sooner that you repay your loan the less it will cost you. You will only pay for the days that you borrow.

You can repay the loan early using one of the following options.

ONLINE

Log in to your account at myjar.com/login using your PIN and registered mobile number and select REPAY NOW

BY TEXT

Send a text to 82777* with the words LOAN REPAY from your registered mobile (NOTE: This option will repay the full outstanding balance)

BY PHONE

Call 020 3006 2000, select option 1 and follow the simple prompts

 

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How can I make a payment if I lose my debit card or my card is no longer active?

If your card is no longer active or you have lost your card and are waiting for a replacement, once you have received a new card you can update the debit card online:

  • login at myjar.com/login
  • visit "My Details" and under Contact information double-check your home address
  • select "Add new card" and enter your debit card details exactly as they appear on the card

  • if your card is not registered to your home address or it has changed, untick "My Card is Registered To My Home Address" and enter the correct details
  • click "Add >" button and the new card will automatically become a primary card

For the card to be successfully verified it should have sufficient funds for the 1p check, bank shouldn't be blocking the card and the billing address should be exactly as your bank has it for the card.

If you are unable to update the card online or encounter any errors while doing so, then please call us on 020 3006 2000 or request a call from us by texting the words “Ring Me” to 0786 000 4500.

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Where can I get help with my debts?

If you want to be more confident with your money and have greater control, a budget plan can be invaluable. A short time spent really getting to grips with your income and outgoings can pay you real long-term dividends. The Government’s Money Advice Service has all sorts of useful information about managing your money. You can find a budget planner here and there are links to all sorts of money saving tips and advice.

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What is a default notice?

When a loan is not paid for more than 90 days after it is due, lenders have to record this at a credit reference agency. Because registration of a default is the step that must be taken before a lender can take court action, this is a very serious step and we must give 14 days’ notice before we register a default.

Once a default has been registered, it can stay on your credit file and it will make it much more difficult to get credit. Not just loans but things like car insurance, mobile phone contracts and even gym membership.

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Where can I get help to make a budget?

If you want to be more confident with your money and have greater control, a budget plan can be invaluable. A short time spent really getting to grips with your income and outgoings can pay you real long-term dividends. The Government’s Money Advice Service has all sorts of useful information about managing your money. You can find a budget planner here and there are links to all sorts of money saving tips and advice.

We also have a budget about how to create a monthly budget, and regularly feature money saving tips and tricks on our blog.

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Essential information

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How do your loans work?

We offer instalment loans of 3 months up to 12 month loans, for loan amounts up to £3600, subject to status. You repay the loan monthly on your pay date. If you are paid weekly or every two weeks and you choose a loan with instalments we will schedule the instalments on a four weekly cycle. Each instalment includes a combination of both interest and loan amount. Most people repay their instalments on time– it’s cheaper that way and if payments are late we charge a £15 default fee 3 days after the 1st missed payment.

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How do I update my details?

To update any of your details, such as your bank account number and debit card, address or mobile number, please call us on 020 3006 2000 or request a call from us through Live Chat or by texting “Ring Me“ to 0786 000 4500.

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How do I update my debit card information?

You can update the debit card details online by following a few easy steps:

  • login at myjar.com/login
  • visit "My Details" and under Contact information double-check your home address
  • select "Add new card" and enter your debit card details exactly as they appear on the card
  • if your card is not registered to your home address or it has changed, untick "My Card is Registered To My Home Address" and enter the correct details
  • click "Add >" button and the new card will automatically become a primary card

For the card to be successfully verified it should have sufficient funds for the 1p check, bank shouldn't be blocking the card and the billing address should be exactly as your bank has it for the card.

If you are unable to update the card online or encounter any errors while doing so, then please call us on 020 3006 2000 or request a call from us by texting the words “Ring Me” to 0786 000 4500.

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Where can I read your loan terms and conditions?

You can read a copy of the credit agreement here. This is the contract that you would enter into if you chose to borrow from MYJAR.

Before you decide to borrow, we will also send you information on the key features of your loan in the form of a SECCI. This is the standard form that all lenders use so you should be able to compare different loans using standard information. SECCI stands for Standard European Consumer Credit Information.

As part of the application to MYJAR we will send you a personalised credit agreement. This sets out details of how our loans work and the terms and conditions that apply. You will be able to read your Credit Agreement during the application process.

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How do bank holidays and weekends affect the service?

The service is available 24/7 and even on bank holidays. In most cases your loan will be transferred to your bank account within minutes even at the weekend or over bank holidays. We will always try to take loan payments on their due date so you will not be charged fees or extra interest.

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How can I send feedback about your service?

We are always working to exceed customer expectations. If you have any feedback regarding our service, please don’t hesitate to send an email to feedback@myjar.com.

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How can I make a complaint?

We always want to give our customers the best possible service. If you need help in any way you can contact us by emailing Generalcomplaints@myjar.com, Live Chat or call us on 020 3006 2000.

If you are still not happy, you can find more information on how to complain on our complaints page.

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How do you use my card details?

We hold details of your debit card and we use these to take repayments for your loan. Your data is held securely and in compliance with the PCI DSS v2 guidelines. These require that:

  • We have secure physical and IT systems for holding your data.
  • All the information that we send to your bank when making or receiving payments is encrypted.
  • We use strong passwords for keeping your card details secure.
  • We render card numbers unreadable anywhere they are stored.
  • Our systems and the networks that we use are regularly tested to ensure that they remain secure.

You can read more about the standards that we comply with on the Payments Card Industry website at https://www.pcisecuritystandards.org/

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What are the opening hours of the MYJAR contact centre?

Monday to Friday: 8am to 8pm

Saturday: 8am to 6pm

Sunday: 9am to 6pm

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How do I report fraud on my account?

Fraud and Internet crimes can be reported via the Action Fraud website (www.actionfraud.police.uk).

If you believe that your personal details were used to fraudulently obtain a loan from us, we strongly advise you to contact the Police and your bank to inform them of the theft of your personal information.

Additionally, to help us start our investigation, please send us a message via the Contact Us page, send an email to info@myjar.com, or call us on 020 3006 2000 and provide us with the following information:

Your contact details

Your bank account number and sort code

The last 4 digits of your debit card

Postcode of your billing address

Crime reference number or Log Number if reported at a Police Station, or the National Crime Reference Number if reported to Action Fraud Online.

If reported at a Police station, please provide the Officer name, Number and the Police station it was reported to.

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Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk