† Available from selected lenders, subject to status. Interest is charged from opening of account. Industry research shows that a high proportion of loans are taken out for consolidation purposes. We can usually reduce monthly outgoings in these situations. Upon completion a fee of between 0 and 12.5% of the loan amount may be charged depending on credit history and ability to provide proof of income. Calls may be recorded for training and quality purposes. Licensed Credit Broker. Brighter Loans is a trading name of Arcanum Ltd. Arcanum Ltd is authorised and regulated by the Financial Services Authority for the purpose of advising and arranging non-investment insurance contracts. Registration Number 312576. Registered office: 400 Metroplex, Broadway, Salford, M50 2UE.