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Representative APR


Representative Example: On an assumed loan amount of £750 over 12 months. Rate of interest 292% (fixed). Representative 171%APR. Total repayment amount £1351.20 and total interest is £601.20. 12 monthly payment of £112.60.*

* We do not know how many customers take out a loan or the APR, this calculation is based on the mean APR of the lenders we work with

Lenders mostly recognise that having financial difficulties can be very stressful. That's why we want you to make sure you are confident that taking out a loan is the most sensible option for you.

We would recommend if there was another way to pay for something, such as reducing your expenses and saving for it, that you use this option. If you want to apply for a loan to cover some other debts, we would advise you consider other options such as seeking help with your debts via Step Change Debt Charity.

All debt problems can be resolved as long as you don't bury your head in the sand. It is easy to spiral into more and more debt very quickly, so take the step to resolving your debt problems sooner rather than later.

You can get free and impartial debt advice from StepChange Debt Charity by calling 0800 138 1111 or going to www.stepchange.org.

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