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Who is applicable for a loan or finance?

Anyone with a full-time job in Gibraltar, who’s over the age of 18 years old and with an acceptable guarantor.

What paperwork do I need to apply?

Your two most recent payslips and ID card/Passport for both you and your guarantor.

What is a guarantor?

Guarantor is to guarantee the repayments of the loan if the principal is unable.

How much can I loan?

All loans are issued responsibly meaning that we would not loan you more than you can afford to pay back. It really depends on your circumstances!

What happens if I can't pay my loan back as per agreement?

We urge you to contact us as soon as you encounter an issue or have a change of personal circumstances so we can work with you to find a custom solution. Usually interest is added monthly according to the amount of time taken to pay after the initial agreement. We will try our best to make it as easy and helpful for you as possible considering personal circumstances that might cause this change.

What are the interest rates?

25% fixed rate per annum, 53.1% APR.

Is it free to apply?

Its completely free to apply, we aim to get back to you within 24 hours (Monday to Friday) with a response.

How can I pay?

We accept Bank transfer, cheques, cash or Standing order as repayment methods, we can assist you in setting up a standing order.

What are the bank details to pay into?

Account Name – CTK LTD

Account number – 20001277

Sort Code – 608314

Bank – Gibraltar International Bank

Who is responsible for repayments (instalments)?

We provide services to make the repayments easy. Yet, the client is solely & fully responsible of making sure the set-up, such as a standing order or transfer is executed correctly monthly or weekly depending on the agreement made initially. I.E, Client should check that payments are deducted from their account correctly every month or week.