Representative Example :
|Secured Loan Representative Example:
Based on borrowing £15,000 over 10 years
|Loan Amount: £15,000
||Broker Fee: £1275
|Lender Fee: £525
|Total Repayable: £29,697.60
||Monthly Payment: £247.48
|Representative APR: 16.8% variable
|Unsecured Loan Representative Example:
Based on borrowing £5,000 over 4 years
|Loan Amount: £5,000
|Total Repayable: £11,624.64
||Monthly Payment: £242.18
|Representative APR: 49.9% variable
|Payday Loan Representative Example:
Based on borrowing £100 for 28 days
|Loan Amount: £100
||Transmission Fee: £5
|Amount of Credit: £105
|Total Repayable: £131.25
||Representative APR: 3372%
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk
The actual APR will depend on the lender, the loan amount and the borrower's credit circumstances.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
The collection practices of lenders vary however you can expect to be contacted by phone, letter or email to arrange repayments. Non-payment or late payment could lead to you being charged a fee and an increase your interest rate.
Some partners may charge you a fee for helping you find a loan or other services they provide, these can range from £9.99 to £49.99 or more. MAKE SURE you check with the company before agreeing to any service if they charge you a fee and what the terms are.
Your personal details will be sent to a broker, who will contact you by telephone and/or email to find out more about your requirements.
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