Our Loan Repayment Calculator

Use our loan repayment calculator to see how much your loan will cost. Choose how much you wish to borrow and how long you would like to pay it back – and our calculator will give you a monthly repayment amount and the overall cost of your loan.

Our calculator is designed to provide an indication of your loan repayments – and the exact rates may vary subject to further checks. 

To get an indicative quote and decision based on your personal requirements, click the ‘apply now’ button and you can complete our online loan application in less than 5 minutes. 

We can provide an immediate decision with a proposed loan offer and if you wish to proceed with further checks, we are able to approve and fund loans on the same day.

 
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  • APR 295.60%
  • Total Borrowed: £500
  • Total Repay: £962.52
  • Total Interest: £462.52

Representative Example: £500 loan repayable over 12 months £81.25 per month total amount payable £975.00 Representative 295.60% APR fixed

 

What Is The Criteria For Applying?

We have developed a straightforward eligibility and acceptance criteria to ensure all applicants and customers have a smooth borrowing experience. To apply for a loan, you must meet the following requirements:

  • Over 25 Years Of Age:

    We are committed to responsible lending, which is to always act in the customer’s best interests and as such you must be over 25 years of age, to apply for one of our loans.

  • UK Residency:

    To be eligible for our loans, you must be a full-time United Kingdom resident. We prioritise serving customers within the UK to ensure we provide a seamless borrowing process.

  • Employment Status:

    Whether you are employed full-time or part-time, we welcome your application. We understand that individuals have different work arrangements, and we consider both employment types for loan approval.

  • Ability To Make Monthly Repayments:

    As responsible lenders, we want to ensure our customers can comfortably manage their loan repayments. Therefore, we assess your ability to repay monthly based on your income and expenses, not just your credit score.

  • Valid UK Bank Account Holder:

    A valid UK bank account is necessary to facilitate smooth and secure transactions. It lets us deposit the approved loan amount directly into your account for quick access.

  • Valid UK Mobile Number & Email Address:

    We require a valid UK mobile number and email address to communicate with you throughout the loan process. This ensures you promptly receive updates, loan offers, and the necessary documentation.

£500 Loan Repayment Examples (Representative 272.50% APR Fixed)

Term (months) Monthly Repayment Total Repayment
6 months £120.83 £725.00
9 months £91.67 £825.00
12 months £79.17 £950.00
18 months £62.50 £1,125.00
24 months £53.13 £1,275.00

£1,000 Loan Repayment Examples (Representative 272.50% APR Fixed)

Term (months) Monthly Repayment Total Repayment
6 months £241.67 £1,450.00
9 months £183.33 £1,650.00
12 months £158.33 £1,900.00
18 months £125.00 £2,250.00
24 months £106.25 £2,550.00

£1,500 Loan Repayment Examples (Representative 272.50% APR Fixed)

Term (months) Monthly Repayment Total Repayment
6 months £362.50 £2,175.00
9 months £275.00 £2,475.00
12 months £237.50 £2,850.00
18 months £187.50 £3,375.00
24 months £159.38 £3,825.00

£2,000 Loan Repayment Examples (Representative 272.50% APR Fixed)

Term (months) Monthly Repayment Total Repayment
6 months £483.33 £2,900.00
9 months £366.67 £3,300.00
12 months £316.67 £3,800.00
18 months £250.00 £4,500.00
24 months £212.50 £5,100.00
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Apply Online in less than 5 minutes

Complete a quick Online Application in just 5 minutes for instant provisional approval.

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    Quick and Easy Application

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    Bad Credit & CCJ loans considered

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    Direct, Reliable Lender for over 18 years

  • montly-payments

    Flexible repayment terms

What Determines How Much You Can Borrow?

  • Income and Employment

    Your income and current employment status will play a key role in determining how much you can borrow. For those looking to borrow larger amounts of £1,000 or £2,000, you will need sufficient income in order to cover the monthly repayments and have a source of employment which is stable and continues to provide a secure income each month.

  • Credit Status

    We consider all credit scores and backgrounds, with good and fair credit preferred if you are looking to borrow larger amounts. Our underwriting team will need to consider your credit score and history when determining the right amount you can afford to borrow and repay each month.

  • Affordability

    Our goal is to find the perfect balance through our affordability checks. This means cross-checking your income, with any monthly expenses and outstanding debts so that we can offer the right loan amount that does not put you into financial difficulty.

  • Your History With Us

    Repeat customers that have successfully repaid us on time may be eligible to borrow a larger amount on their next loan. This will still be subject to further checks and it is essential that we can prove that your financial position is getting better and not worse.

  • Any Other Outstanding Debts

    We will need to check what other outstanding debts you have remaining, including any open personal loans, mortgages or credti cards and making sure that are you able to borrow and not beyond your means.