Warning: Late repayments can cause you serious money problems. For help, go to moneyhelper.org.uk. We are a broker not a lender.
Warning: Late repayments can cause you serious money problems. For help, go to moneyhelper.org.uk. We are a broker not a lender.
Representative example: if you borrow £550 over 18 months at a flat rate of 180% per annum (fixed) with a representative 770% APR you will make 18 monthly payments of £113.06, repaying £2,035.08 in total. Rates from 45.3% APR to 1721% APR. A short term high cost loan should not be used as a long term solution. We are a broker not a lender. We don't charge fees. We don't sell your personal information. We may receive a commission from the lender.
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Short term loan |
|
---|---|
Loan amount | £550 |
Repayment period | 18 months |
Monthly installments | £113.06 |
Total amount repayable | £2,035.08 |
Representative example: if you borrow £550 over 18 months at a flat rate of 180% per annum (fixed) with a representative 770% APR you will make 18 monthly payments of £113.06, repaying £2,035.08 in total. Rates from 45.3% APR to 1721% APR. A short term high cost loan should not be used as a long term solution. We are a broker not a lender. We don't charge fees. We don't sell your personal information. We may receive a commission from the lender.
Please don't borrow more money if you have existing loans that you cannot afford to repay. Get in contact with your lender to discuss your situation immediately. The details of your loan will be between you and your chosen lender so make sure you read and understand their terms and conditions before agreeing to the loan.
Short-term loans are always a short-term option. If you don't fully repay your loan when agreed then your lender could add fees and charges to your loan that make it more expensive. Your lender may also report to the credit reference agencies, so if you fail to meet your repayments, your credit rating might be adversely affected.
Most lenders usually collect repayments via debit card however you may be asked to set up a direct debit. If they have been unable to collect your repayment on the date it's due then they will usually keep trying your card for up to 90 days. Your lenders collection practices should be outlined in their terms and conditions.
If you can't afford the repayment your lender may allow you to rollover your loan. Doing this will incur you further charges including additional interest and charges.
As part of the new FCA regulations, you can only roll your loan over twice, so it is important that if you find yourself struggling to pay back your loan on the pre-arranged date that you speak to the lender immediately.
Get in contact with your lender as soon as possible to arrange a solution that works for both you and them.