Apfin Ltd

Reference number: 673186

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Scammers have impersonated this firm. The FCA has published 2 warnings naming the fake phone numbers, emails and websites they used. See the warnings →

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks

  • When cashasap.co.uk first appeared online, and whether it can receive email
  • What kind of line 0800 488 0905 is
  • Who else gives the postcode SW3 1HQ
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Other names (7)

If you were contacted under any of these names, it is this firm.

  • cashasap.co.uk Trading name
  • clearandfair Trading name
  • clearandfair.co.uk Trading name
  • Polar Credit Trading name
  • polarcredit.co.uk Trading name
  • Polar Credit Line Trading name
  • www.cashasap.co.uk Trading name

Warning

Scammers have impersonated this firm

Fraudsters have used this firm's name or details with their own contact information to appear genuine. Check whatever you were given below, and against the firm's real details above.

Fake phone numbers (2)
  • 020 7856 0515
  • 07425 965670
Fake email addresses (2)
  • contact@cashinhands.uk
  • jamesparkerloanhelpteam@gmail.com
Fake websites (1)
  • cashinhands.uk
The 2 FCA warnings these came from

Scammers change these details often. Always check the live FCA warning.

FCA permissions and consumer protection

  • Handle payments & transfers No FSCS cover
    Safeguarding is optional for a payment firm of this size, so your money may not be held in a separate protected account. Ask the firm whether it safeguards customer funds before sending it money. FSCS protection does not apply either way.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (6 permissions)
  • 4. Executing payment transactions (credit line)
  • Credit Broking
  • Entering into high-cost short-term credit as lender
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising or having the right to exercise the lender's rights and duties in relation to high-cost short-term credit

Limits on what they may do

  • Not permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

Financial Ombudsman complaints

Ombudsman complaints

new complaints, January–June 2025
121
upheld, against a 31% median
0%
about banking and credit
121

A bigger firm gets more complaints simply because it has more customers.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
07989136
Company status
Active
Company type
Private limited company
Incorporated
13 March 2012 (14 years old)
Registered office
3rd Floor, 12 Gough Square, London, EC4A 3DW
Nature of business
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)

Directors and company secretaries

Name Role Born Appointed Other companies
Pavel Victorovich Okhotin Director May 1984 13 Mar 2012 3 other companies

Other companies run by its director

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
3
still active
3

In the full report: all 3 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
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Filed accounts and finances

Year to 31 March 2025Full accountsNot audited

Net assets

£1.36m

+78% from £764k

Cash at bank

£650k

+171% from £240k

Employees (average)

8

Same as 8

Owed within a year

£337k

−61% from £864k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

Accounts filed at Companies House for company 07989136. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

Apfin’s history from the FCA register and Companies House, newest first.

Key events (7) All events (18)

2022

8 September 2022

  • FCA warned the public about a scam impersonating this firm

FCA warning list

2016

6 April 2016

  • Alexey Gogolev became a part-owner (25–50% of shares)
  • Pavel Victorovich Okhotin became a part-owner (25–50% of shares)

Companies House

9 February 2016

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Not permitted to canvass off trade premises)
  • Became authorised by the FCA

FCA register

2012

13 March 2012

  • Incorporated at Companies House

Companies House

In the full report: all 18 events

  • All 18 events in its history (7 shown here)
  • Every director appointment and resignation: 1
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Firms connected to Apfin

Other FCA-listed firms that share a director, phone number or address with Apfin. A link shows who the firm is tied to, not whether either can be trusted.

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Apfin

Other firms of the same type (lender), nearest first.

In London

Clydesdale Financial Services LimitedLondonAuthorisedSaga Services LimitedLondonAuthorisedSainsbury's Financial Services LimitedLondonAuthorisedMadison CF UK LimitedLondonAuthorisedLendable LtdLondonAuthorisedSalary Finance LimitedLondonAuthorised

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Apfin

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 3 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 18 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Apfin Ltd FCA authorised?
Yes, Apfin Ltd (FRN 673186) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2016 and works as a lender. The FCA has placed a limit on what it may do.
What is Apfin’s phone number and website?
The FCA register lists the phone number 0800 488 0905 and the website cashasap.co.uk for Apfin. If you were given different contact details, use these to check with the firm before going any further.
Is Apfin a scam or clone?
Scammers have impersonated Apfin: the FCA has published 2 warnings about fake versions of it, using contact details that are not the firm's. Only trust the details the FCA register gives for Apfin, shown on this page.
Is my money safe with Apfin?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Apfin handles your money, so check the specific product before you commit. You can also refer complaints about Apfin to the Financial Ombudsman Service, free of charge.
Who owns Apfin?
Companies House lists 2 people with significant control of Apfin: Mr Pavel Victorovich Okhotin (25–50% of shares) and Mr Alexey Gogolev (25–50% of shares).
Who runs Apfin?
Companies House lists one director of Apfin: Pavel Victorovich Okhotin.
How long has Apfin been in business?
The company was formed on 13 March 2012, and has held its current FCA authorisation since February 2016.
What do Apfin’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £1.36m (+78% from £764k) and cash at bank of £650k (+171% from £240k).
How many complaints does Apfin get?
In January–June 2025, the Financial Ombudsman Service received 121 new complaints about Apfin, and upheld 0% of those it decided.
Does Apfin use any other names?
It trades as cashasap.co.uk, clearandfair, clearandfair.co.uk, Polar Credit and polarcredit.co.uk, and 2 more names.

Sources and links

The full report on Apfin Ltd

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