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Cookie Policy & Manage Cookies

LAST UPDATED: January 2026

This Cookie Policy explains how A1 Loans (a trading name of Avalon Financial Limited) uses cookies and similar technologies on www.a1loans.co.uk (the “Website”), and how you can manage your preferences.

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What cookies are

Cookies are small text files placed on your device when you visit a website. They are widely used to help websites operate properly, remember user preferences, and collect information about how a website is used.

We may also use similar technologies such as pixels or tags that perform comparable functions.

Some cookies are session cookies, which are deleted when you close your browser. Other cookies are persistent cookies, which remain on your device until they expire or are removed. Persistent cookies are commonly used to remember preferences and support website analytics.

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How we use cookies

We use cookies to:

  • ensure the Website functions securely and correctly

  • understand how visitors interact with the Website

  • monitor and improve Website performance and usability

  • analyse traffic and usage patterns using analytics tools

We do not use cookies for behavioural advertising, cross-site tracking, or remarketing.

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Types of cookies we use

 

Strictly necessary cookies

These cookies are required for the Website to operate and cannot be disabled through our systems. They are typically set in response to actions you take, such as submitting forms or maintaining security during your visit.

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Legal basis: legitimate interests / provision of an essential service.

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Analytics cookies (Google Analytics)

We use Google Analytics to help us understand how visitors use the Website so we can improve performance and user experience.

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Analytics cookies may collect information such as:

  • pages visited and time spent on pages

  • how visitors arrived at the Website

  • device, browser, and operating system information

  • anonymised or truncated IP address data (where configured)

Analytics cookies are non-essential and are only used if you provide consent.

Legal basis: consent

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Managing your cookie preferences

When you first visit the Website, you will be shown a cookie banner allowing you to accept or reject non-essential cookies.

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You can change your preferences at any time by:

  • using the Manage Cookies link on the Website (where available), or

  • adjusting your browser settings to block or delete cookies

Please note that disabling certain cookies may affect how the Website functions or how preferences are remembered.

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Cookie settings are browser-specific, meaning you may need to adjust preferences separately for different devices or browsers.

 

Third-party cookies

Some cookies may be placed by third-party services used on the Website, such as analytics providers. We do not control these cookies directly.

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In addition, some pages may include embedded content or services supplied by third parties. These providers may set their own cookies in accordance with their policies.

 

You can find further information about Google’s data practices here:
https://policies.google.com/privacy

 

Changes to this Cookie Policy

We may update this Cookie Policy from time to time to reflect changes in technology, law, or how we use cookies.

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Any updates will be published on this page, and the date at the top will be revised accordingly.

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Contact

If you have any questions about this Cookie Policy or how we use cookies, please contact:

Email: info@a1loans.co.uk
Company: Avalon Financial Limited (trading as A1 Loans)

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Request a Call Back

enquiries@AFCredit.co.uk

AF Credit is a trading name of Avalon Financial Limited registered in England & Wales under Company Number:  16865484.

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© 2026 by AF Credit & Avalon Financial Limited.

 

Important Information - Please Read

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Any mortgage, loan, or debt facility (hereafter referred to as a “debt solution”) secured against property may be subject to repossession if repayments are not maintained.

 

All lending is subject to underwriting and is not guaranteed. Lending facilities may not be available to all applicants. All credit decisions are made solely at the discretion of AF Credit.

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Bridging loans are short-term finance solutions secured against property or other assets. These products carry a higher level of risk and are intended for borrowers who fully understand the obligations, costs, and risks associated with short-term borrowing.

 

Some bridging loans are not regulated by the Financial Conduct Authority (FCA), particularly where lending is for business or investment purposes. Unregulated lending does not benefit from the protections available under FCA-regulated products.

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AF Credit acts solely as a lender and does not provide independent financial advice or make recommendations to its clients.

 

Borrowers are responsible for obtaining their own professional, legal, tax, and financial advice before entering into any lending arrangement. Borrowers and introducers must provide all information requested honestly and must not mislead the lender. Any information that may affect the borrower’s ability to repay or comply with the loan agreement must be disclosed prior to completion.

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AF Credit is committed to Treating Customers Fairly and complies with all applicable Anti-Money Laundering (AML) and Know Your Customer (KYC) obligations.

 

All applicants are required to satisfy our due diligence and underwriting requirements. We reserve the right to request identification, proof of funds, and source of wealth documentation at any stage of the application process. AF Credit also reserves the right to decline any application at its sole discretion, without obligation to provide a reason.

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By proceeding with an application, the borrower confirms that they understand and accept the risks associated with secured and short-term lending. The borrower is solely responsible for ensuring the facility is suitable for their circumstances, affordable, and capable of being repaid in full within the agreed loan term.

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AF Credit operates a professional services-based business model with no reliance on high-risk labour supply chains and we take reasonable steps to ensure ethical business practices across our operations.

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© 2026 AF Credit | All Rights Reserved

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