Our Rates Explained

Remember when lenders used to compete on price? Well we do, we don't need to advertise. Our customers come to us because we will cut the APR on their existing Guarantor loan in HALF.

Instead of paying 50% APR, you can pay just 25% with us.
Warning: Late repayment can cause you serious money problems. For help, go to www.moneyadviceservice.org.uk.
Representative Example: Borrowing £4000 over 36 months, repaying £159.04 per month, total repayable £5,725.41. Interest rate 25.0% (variable).
This is what you are probably paying at the moment if you are with Amigo or Glo. On a £5000 loan that is almost £2200 in the first year on interest alone.
We pay off your existing Guarantor Loan for you, and replace it with our cheaper rate of just 25% APR. Save on monthly repayments, or pay it and keep to the existing payments and clear the loan off quicker - Your Choice!

Competitors Rates - Loan Amount £5000 - 49.9%

Payment No Payment Loan Part Interest Part Balance
1 £227.67 £19.75 £207.92 £4,980.25
2 £227.67 £20.58 £207.10 £4,959.67
3 £227.67 £21.43 £206.24 £4,938.24
4 £227.67 £22.32 £205.35 £4,915.92
5 £227.67 £23.25 £204.42 £4,892.66
6 £227.67 £24.22 £203.45 £4,868.45
7 £227.67 £25.22 £202.45 £4,843.22
8 £227.67 £26.27 £201.40 £4,816.95
9 £227.67 £27.37 £200.30 £4,789.58
10 £227.67 £28.50 £199.17 £4,761.08
11 £227.67 £29.69 £197.98 £4,731.39
12 £227.67 £30.92 £196.75 £4,700.46
Payment No Payment Loan Part Interest Part Balance
13 £227.67 £32.21 £195.46 £4,668.25
14 £227.67 £33.55 £194.12 £4,634.70
15 £227.67 £34.94 £192.73 £4,599.76
16 £227.67 £36.40 £191.27 £4,563.36
17 £227.67 £37.91 £189.76 £4,525.45
18 £227.67 £39.49 £188.18 £4,485.96
19 £227.67 £41.13 £186.54 £4,444.83
20 £227.67 £42.84 £184.83 £4,401.99
21 £227.67 £44.62 £183.05 £4,357.37
22 £227.67 £46.48 £181.19 £4,310.89
23 £227.67 £48.41 £179.26 £4,262.48
24 £227.67 £50.42 £177.25 £4,212.06
Payment No Payment Loan Part Interest Part Balance
25 £227.67 £52.52 £175.15 £4,159.54
26 £227.67 £54.70 £172.97 £4,104.83
27 £227.67 £56.98 £170.69 £4,047.85
28 £227.67 £59.35 £168.32 £3,988.51
29 £227.67 £61.82 £165.86 £3,926.69
30 £227.67 £64.39 £163.28 £3,862.30
31 £227.67 £67.06 £160.61 £3,795.24
32 £227.67 £69.85 £157.82 £3,725.39
33 £227.67 £72.76 £154.91 £3,652.63
34 £227.67 £75.78 £151.89 £3,576.85
35 £227.67 £78.93 £148.74 £3,497.92
36 £227.67 £82.22 £145.45 £3,415.70
Payment No Payment Loan Part Interest Part Balance
37 £227.67 £85.64 £142.04 £3,330.06
38 £227.67 £89.20 £138.48 £3,240.87
39 £227.67 £92.91 £134.77 £3,147.96
40 £227.67 £96.77 £130.90 £3,051.19
41 £227.67 £100.79 £126.88 £2,950.40
42 £227.67 £104.98 £122.69 £2,845.42
43 £227.67 £109.35 £118.32 £2,736.07
44 £227.67 £113.90 £113.77 £2,622.17
45 £227.67 £118.63 £109.04 £2,503.54
46 £227.67 £123.57 £104.11 £2,379.97
47 £227.67 £128.70 £98.97 £2,251.27
48 £227.67 £134.06 £93.62 £2,117.21
Payment No Payment Loan Part Interest Part Balance
49 £227.67 £139.63 £88.04 £1,977.58
50 £227.67 £145.44 £82.23 £1,832.15
51 £227.67 £151.48 £76.19 £1,680.66
52 £227.67 £157.78 £69.89 £1,522.88
53 £227.67 £164.34 £63.33 £1,358.54
54 £227.67 £171.18 £56.49 £1,187.36
55 £227.67 £178.30 £49.37 £1,009.06
56 £227.67 £185.71 £41.96 £823.35
57 £227.67 £193.43 £34.24 £629.91
58 £227.67 £201.48 £26.19 £428.44
59 £227.67 £209.86 £17.82 £218.58
60 £227.67 £218.58 £9.09 £0.00

Our Rates - Loan Amount £5000 - 25.0%

Payment No Payment Loan Part Interest Part Balance
1 £146.76 £42.59 £104.17 £4,957.41
2 £146.76 £43.48 £103.28 £4,913.93
3 £146.76 £44.38 £102.37 £4,869.55
4 £146.76 £45.31 £101.45 £4,824.24
5 £146.76 £46.25 £100.51 £4,777.99
6 £146.76 £47.22 £99.54 £4,730.78
7 £146.76 £48.20 £98.56 £4,682.58
8 £146.76 £49.20 £97.55 £4,633.37
9 £146.76 £50.23 £96.53 £4,583.15
10 £146.76 £51.27 £95.48 £4,531.87
11 £146.76 £52.34 £94.41 £4,479.53
12 £146.76 £53.43 £93.32 £4,426.10
Payment No Payment Loan Part Interest Part Balance
13 £146.76 £54.55 £92.21 £4,371.55
14 £146.76 £55.68 £91.07 £4,315.87
15 £146.76 £56.84 £89.91 £4,259.02
16 £146.76 £58.03 £88.73 £4,201.00
17 £146.76 £59.24 £87.52 £4,141.76
18 £146.76 £60.47 £86.29 £4,081.29
19 £146.76 £61.73 £85.03 £4,019.56
20 £146.76 £63.02 £83.74 £3,956.55
21 £146.76 £64.33 £82.43 £3,892.22
22 £146.76 £65.67 £81.09 £3,826.55
23 £146.76 £67.04 £79.72 £3,759.51
24 £146.76 £68.43 £78.32 £3,691.08
Payment No Payment Loan Part Interest Part Balance
25 £146.76 £69.86 £76.90 £3,621.22
26 £146.76 £71.31 £75.44 £3,549.90
27 £146.76 £72.80 £73.96 £3,477.10
28 £146.76 £74.32 £72.44 £3,402.79
29 £146.76 £75.87 £70.89 £3,326.92
30 £146.76 £77.45 £69.31 £3,249.48
31 £146.76 £79.06 £67.70 £3,170.42
32 £146.76 £80.71 £66.05 £3,089.71
33 £146.76 £82.39 £64.37 £3,007.32
34 £146.76 £84.10 £62.65 £2,923.22
35 £146.76 £85.86 £60.90 £2,837.36
36 £146.76 £87.64 £59.11 £2,749.72
Payment No Payment Loan Part Interest Part Balance
37 £146.76 £89.47 £57.29 £2,660.25
38 £146.76 £91.33 £55.42 £2,568.91
39 £146.76 £93.24 £53.52 £2,475.67
40 £146.76 £95.18 £51.58 £2,380.49
41 £146.76 £97.16 £49.59 £2,283.33
42 £146.76 £99.19 £47.57 £2,184.14
43 £146.76 £101.25 £45.50 £2,082.89
44 £146.76 £103.36 £43.39 £1,979.53
45 £146.76 £105.52 £41.24 £1,874.01
46 £146.76 £107.71 £39.04 £1,766.30
47 £146.76 £109.96 £36.80 £1,656.34
48 £146.76 £112.25 £34.51 £1,544.09
Payment No Payment Loan Part Interest Part Balance
49 £146.76 £114.59 £32.17 £1,429.50
50 £146.76 £116.98 £29.78 £1,312.52
51 £146.76 £119.41 £27.34 £1,193.11
52 £146.76 £121.90 £24.86 £1,071.21
53 £146.76 £124.44 £22.32 £946.77
54 £146.76 £127.03 £19.72 £819.74
55 £146.76 £129.68 £17.08 £690.06
56 £146.76 £132.38 £14.38 £557.68
57 £146.76 £135.14 £11.62 £422.54
58 £146.76 £137.95 £8.80 £284.59
59 £146.76 £140.83 £5.93 £143.76
60 £146.76 £143.76 £3.00 £0.00