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.

We aim for the money to be in your bank or building society within 2 working days once we’ve received your signed agreement.

Yes. You’ll have 14 calendar days from the day after you receive your acceptance letter to withdraw from your Agreement. If you decide you no longer want a loan from us, just call 0800 169 2000 within this 14-day period.

Your first loan repayment will be one calendar month from the date the loan is released to you. You’ll see the date on your Welcome Letter. If this day falls on a bank holiday or weekend, the repayment will be made on the next business day.

Yes, you can settle your agreement early in-full or in-part, at any time.

If you wish to pay off your loan in-full you will firstly need to request a settlement quotation by calling us on 0800 169 2000.

To make a partial settlement you can call us to make a debit card payment. As a result of any repayment we will reduce the term of your agreement unless you tell us otherwise.

If you are struggling to keep up with the repayments on your loan for whatever reason, we’re here to help. It is important that you call us on 0800 169 2000 and we’ll talk you through the options available to you.

There are lots of organisations that can provide confidential, impartial and free help and advice. More information can be found in our leaflet, are you in financial difficulties?

If you are already in touch with an organisation that is giving you financial advice, please let us know and we can deal with them directly.

If you're unhappy with our decision you can ask us to reconsider by telephoning us on 0800 169 2000.

You should be aware that we cannot give any guarantees that our original decision will be changed.  To support your appeal you will need to provide us with any additional relevant information which was not given to us when you first made your application.