Know your repayments before you apply.

Understanding your estimate

What the numbers mean.

Your own quote shows these same figures for your loan, with a full repayment schedule, before you commit to anything.

Representative APR

The APR covers interest and any other charges, so you can compare loans like for like. The representative APR is the rate at least 51% of people who take out this loan are expected to get.

Annual interest rate (fixed)

Interest is worked out on a fixed-sum basis, so the total is set when you sign. It stays the same for the whole loan, and a late payment does not add extra interest.

Total repayable

What you borrow plus all the interest, if you pay every instalment on time for the full term. A longer term makes each payment smaller but raises the total.

Weekly or monthly

Choose whichever matches your payday. Payments are taken from your debit card as a recurring payment.

Settling early

You can settle at any time and get a rebate on interest, so the sooner you settle, the less you repay. Early settlement quotes include one month's interest, and the early repayment snapshot shows what you would have paid at different points.

Your right to withdraw

You can withdraw within 14 days of the agreement being made. You would repay what you borrowed plus interest for the days you had the money.