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Still interested in taking out a loan. There are a few things you should do first. Firstly examine the overall cost of the loan before you finalise the agreement. You must be able to afford it. We urge you to only ever borrow what you are certain you will be able to pay back. Here is a good way to see if a loan might be a good short-term option for you:

What is your monthly disposable income? Got it?


Now, take away from this the total cost of your loan. Got anything left? Good – maybe a loan is the answer for you.


We have bags of experience as a provider in the financial industry and we have built up a superb reputation for service excellence. The bedrock of this is making sure all our customers have the proper and full facts to enable them to make the best decision for their situation.

You can apply to borrow as little as £80 or as much as £750. But please take some time before you apply to make sure you will be able to repay the loan.


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You pay back:


Total loan cost: £3.60*


Every firm that works within the UK finance industry legally has to show interest rates using the Annual Percentage Rate. More commonly it is referred to as APR. This works well for personal loans which are taken over much longer periods than short-term or payday loans.


However, for short-term agreements it becomes difficult to compare like-for-like. Instead compare how much the loan will cost you in total.

Let us explain further. The repayments for a personal loan could be over a 5 year period.


Much longer than a payday loan. Let’s say that personal loan is for £15,000, by the end you would have paid an extra £4,981.92 on top of your loan. That is 33.2% of the original loan value.

Let’s match up the payday loan comparatively with the 24% charged over a 30-day period. The overall cost per £1 borrowed is LOWER with the short-term loan.


Example of a Payday Loan

Loan: £200

Period: 30 days

Total cost: £248

Interest: £48

APR: 1269.7%

For every £1.00 borrowed, £1.24 would be paid back

Loan: £15,000

Period: 60 months

Total cost: £19,981.92

Interest: £4,981.92

APR: 15.9%

For every £1.00 borrowed, £1.33 would be paid back

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