Buffa Loans Ltd (the “company”, “us”, “we”, “buffa”) is a registered company in England and Wales (company number – 10865145). Our registered office address is Unit 3, Jephson Court, Tancred Close, Leamington Spa, CV31 3RZ.

Buffa is authorised and regulated by the Financial Conduct Authority (the FCA) under the reference number 791745. We are registered with the Information Commissioner’s Office (ICO) under registration number ZA314963. We are also members of the Consumer Finance Association (CFA).

Please read the following ‘Terms of Use’ carefully along with our Privacy and Cookie Policies (which form part of these Terms). By using our website and any related product or services, you are agreeing to be bound by these ‘Terms of Use’.

If you do not agree to these terms, you must not use our site. We recommend that you print a copy of these terms for future reference. We may suspend or disable your buffa account at any time if you fail to comply with our Terms of Use.

To contact us please email –

Users of Site and Account Conduct

To apply for a loan with buffa, you must be over the age of 18 and reside in the UK. You must also agree to the following;

1. You are permitted to only hold one Buffa account. Instances where users create a duplicate account by omitting or adding certain information to appear as a new user, will be treated as an attempt to defraud the company. Such instances may be referred to organisations such as Fraud Prevention Agencies (FPAs) for further action.

2. You are under a duty to inform Buffa, within a reasonable time, if any information provided by you or contained in your Buffa account changes and/or if you become aware of any errors with respect to your account with us.

3. You must take reasonable steps to ensure that all your personal information on the devices you use to access buffa is kept safe and secure as to not lead to a fraudulent application under your name.

4. In keeping with good computer practices and the Computer Misuse Act 1990, you undertake to ensure that your computer is protected against viruses and other harmful cyber threats. Please note that under the Computer Misuse Act 1990, it is a criminal offence to use any such device, software and/or routine that interferes, be it in actuality or as an attempt, to interfere with the proper working of our website.

Limitation of Liability

The use of our website and the materials contained in it are used entirely at your own risk.

We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors or for fraud or fraudulent misrepresentation.

We shall not be liable for any losses or damages, whether direct or indirect, consequential or otherwise that you may suffer as a result of your use of the website, including but not limited to computer service or system failure, access delays or interruption, data non-delivery or mis-delivery, computer viruses or other harmful components, breaches of security or unauthorised use of the system arising from "hacking" or otherwise of your reliance on the information contained on the Website.

In keeping with good computer practices, you must ensure that your device for accessing buffa is virus free and has suitable virus protection software. From time to time, due to circumstances beyond our control or due to scheduled maintenance, our website may be unavailable or your access to the site may be interrupted.

We may suspend or withdraw or restrict the availability of all or any part of our site for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal. You also acknowledge that we cannot guarantee that there will be no delays, failures, errors, omissions or loss of transmitted information.

The information, material and content provided in the pages on our website may be changed at any time without notice. We will try to give you reasonable notice of any major changes. Changes may be made to the Terms for business and operational reasons at any time by updating this page.

We will try to give you reasonable notice of any major changes. Any revised term shall take effect as at the date when the change is made to the website. Every time you wish to use our site, please check these terms to ensure you understand the terms that apply at that time. Your continued access to or use of the website will mean that you agree to any changes.

Links to Third Parties

We have no control over and cannot accept any liability for the content or availability of any linked third-party site. Any opinions shared or expressed in a third-party link are those of the author and not of buffa. Such links should not be interpreted as approval by us of those linked websites or information you obtain from them.

In keeping with good computer practice, it is your responsibility to ensure that you read the Terms and Conditions of any third-party site’s products and /or services. It is also your responsibility to review any third parties’ Privacy Policy, Cookie Policy and/or website Terms of Use.

You are not entitled (nor will you assist others) to set up links from your own websites to our website (whether by hypertext linking, deep-linking, framing, toggling or otherwise) without our prior written consent, which we may grant or withhold at our absolute discretion. You are also not entitled to direct link (also known as "Hot Link") any images or content without our prior written authorisation from us.

Intellectual Property

We are the owner or the licensee of all intellectual property rights on the buffa website – this includes content such as information, imagery and data. This is protected by copyright laws and all such rights are reserved.

buffa including the name (‘buffa’) and its logos are trademarks of buffa Loans Ltd. You will not make any unauthorised use of these trademarks.

Our URL,, is the Uniform Resource Locator (URL) of buffa. You will not make any use of this URL on another website or digital platform without our prior written consent.

Privacy and Cookies

It is important you read our ‘Terms of Use’ alongside our Privacy and Cookie policies which form part of such Terms.

You agree that all personal information you provide to us during your application or during any other interaction with us via our website may be collected, stored, processed and used in accordance with our Privacy Policy.

When you use this Website, we may collect information about your computer (including, where available, your IP address, operating system and browser type) and your interaction with our website, for the purposes of basic website functionality, marketing reasons and to improve our products and services.

For more information, please see our Cookie Policy.

Governing Laws

These Agreements and any dealings with you prior to any agreement being made are governed by and construed in accordance with English law, and we and you submit to the exclusive jurisdiction of the English courts., unless you live in Scotland, Northern Ireland, the Channel Islands or the Isle of Man, in which case you will be entitled to commence legal proceedings in your local courts.

Need Help?

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