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It’s important to remember that if you repay your loan early, you will be charged an early repayment fee. The amount you will be charged will be equal to 58 days’ interest on the amount you repay early (28 days’ interest if the period of the loan is one year or less). If there is less than 58 days (or 28 days if applicable) remaining on the loan, the calculation will be based on the actual number of days remaining. This is in addition to your outstanding loan amount and any outstanding interest.

More about early repayment charges

As well as loans, we offer credit cards and overdrafts. So, which is best for you? Our Borrowing Options guide will help you figure out what type of lending will suit you best.

Yes. For example, you might want to use your loan to consolidate your debt (rolling all your debt payments into one) while also improving your home. 

As responsible lenders, we ask you why you want to borrow money from us. Please choose the option you’ll spend most of your loan on.

A loan is a simple way for you to borrow money. You could borrow between £1,000 and £50,000 from us (depending on what you want the money for). 

With a loan, you get all your loan money in your bank account at once. You then pay it back each month, plus interest. You can take from one to 10 years to pay us back – depending on what you need the loan for.

So, why come to us for a loan?

We think our loans are the best (and it‘s not just us saying that). Defaqto gives us the maximum five stars.  What’s more, you can apply in minutes. And could get money in your account the same day.