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APR is the annual percentage rate (APR) and is used to describe the overall cost of money borrowed. It takes into account the interest rate, when it is charged (daily, weekly, monthly or annually), any fees charged when setting up the loan and any other costs applicable to the loan.
The APR makes it easy to compare different loan products across the market.
The representative APR is the rate a provider reasonably expects most applicants to receive. It's not a guarantee - your personal APR could be higher or lower than the advertised, representative APR.
The APR you receive may vary from the advertised rate. This is the representative rate which we expect most people who apply to get.
The rate you are offered will be a personalised rate based on your current individual circumstances, including credit information held about you by credit reference agencies, the loan amount you borrow and length of time you borrow for.
Yes. A credit check will be completed to help us make a decision on your loan application. Please read our decision explained leaflet for more information on how we assess your application.
Yes you can, however, before applying for a debt consolidation loan you should review your options to make sure that the loan which you are considering is right for you
Once accepted and we’ve received your signed agreements, funds will be transferred the following working day.
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