Representative APR from 14.9% - 162.28%
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Representative APR Rates from 45.3% APR to 1575%
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Please Note: we are not a lender - we are a credit broker working with lenders to find you a loan. Within our free loan finder we compare lenders, meaning that with one quick, simple application you reach numerous lenders and find the best loan rate possible within our panel. We work with multiple lenders, this means you could get a higher chance of being approved with just one application!

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Representative Example of APR

Representative example: If you borrow £5,000 over 5 years at a rate of 14.9% APRC fixed, you will pay 60 instalments of £116.26 per month and a total amount payable of £6975.60. This includes the net loan, interest of £1975.60, a broker fee of £0.00 and a lender fee of £0.00. The overall cost for comparison is 14.9% APR. The actual rate available will depend on your circumstances

Company Disclosure and Policy

Collection Practices

Once you have received your loan, if for any reason you think you will be unable to meet any arranged repayments, or if you think there will be any difficulty repaying any part of your loan, then you must contact the provider of your loan directly as soon as you become aware.

Contacting your lender will provide you with the best opportunity to perhaps reschedule your loan repayments or discuss further options in more detail to avoid adverse action. Changing repayments of your loan amount could incur further charges or interest, the details of which can only be discussed directly with the lender of your loan. If no attempt is made to contact your lender and update them on any circumstantial changes or make the lender aware of any difficulty in paying back what you owe; they reserve the right to pass on your details to third party debt collections agencies or organisations that will attempt to recover the debt.

Please carefully check your own Terms and Conditions on your signed loan agreement for details.

Non Payment Implications

The implications of non-payment of your loan could include adverse details being included within your credit report. This could adversely affect future attempts at securing credit or finance, in addition to further charges potentially being added by the lender. Where you miss a payment entirely, you will often incur a charge/fee that will be added on to the total amount that you owe. Upon a missed payment, lenders will often try to contact you by telephone or letter in order to recover the funds and they may be able to arrange a new re-payment date with you. If you are struggling, or think there is a possibility that you will not be able to meet repayments, Moneypod strongly recommends that you contact the lender in the first instance.

Important things to remember:

– Don’t borrow money if you know you will struggle to pay it back

– Don’t ignore the situation, contact your lender as your first port of call

No Obligation Application

Providing you fulfil the simple eligibility criteria, you should have no problems with making an application. Just because you make an application, does in no way mean you will be accepted for a loan. Your initial application will be screened by the lenders based on the details that you have provided in your application.

If you meet all the criteria for a loan and your credit screening is successful, you will then be presented with the best available loans for your circumstances. You are under no obligation to accept this loan offer and will not be liable for anything until a loan agreement has been signed.

So if you required a loan of £5000 for example and are only offered £3000, you are in no way obligated to take the loan offered and have every right to change your mind or not proceed.