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The Costs

Short term loans look very expensive when you initially look at the interest charges. This is because they are lent to people for very short periods of time, from 30 days to up to 6 months. APR figures reflect what the cost would be over a year which is of course a much higher figure. There is a maximum daily charge of 0.8%.

The representative APR is 305.9% (variable) – Representative 305.9% APR. Representative example: £400 borrowed for 90 days. Total amount repayable is £561.92 in 3 monthly instalments of £187.31. Interest charged is £161.92, interest rate 161.9% (variable).

It is important that you make sure you can afford to repay the loan before committing to it. Paying late can incur extra costs. Here are examples of the maximum costs:

 

Representative APR: 305.9% (variable)

Representative example: £400 borrowed for 90 days. Total amount repayable is £561.92 in 3 monthly instalments of £187.31.
Interest charged is £161.92, interest rate 161.9% (variable).

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

Apply for a short term loan in 3 simple steps

Apply online

Apply online for free 24 hours a day with no faxes or phone calls. When you apply we will search our panel of trusted lenders to see who can offer you a loan.

Sign your loan agreement

If a lender on our panel can offer you credit just sign the electronic agreement to accept their offer and proceed with your loan.

Get your money

Once you have signed your electronic loan agreement the lender will transfer the money direct to your bank account. (Within the hour if your bank supports faster payments.) Subject to lender's requirements and approval.