Representative 1244.0% APR
Representative Example: If you borrow £300 over 3 months at a rate of 292% per annum (fixed) with a representative 1244.0% APR you will make 3 monthly payments of £150.19, repaying £450.57 in total. All UK Loans is a licensed credit broker not a lender.
Warning: Late repayment can cause you serious money problems.
For help, go to www.moneyhelper.org.uk/en
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Only borrow money if you are certain you can pay it back
If you are struggling with your money commitments, then please DON’T borrow more. If you have existing loans that you cannot afford to repay, get in contact with your lender and discuss the situation immediately. The details of your actual loan will be between you and your chosen lender. Please make sure you read and understand the terms and conditions from your lender very carefully before agreeing to the loan.
A short-term option
Short-term loans are always a short-term option. If you don’t fully repay your loan when agreed then your lender could add fees and charges to your loan that make it more expensive. Your lender may also report to the credit reference agencies, so if you fail to meet your repayments, your credit rating might be adversely affected.
Paying back your loan
Most Lenders will use the card details you provide to collect your repayments. You may be asked to set up a direct debit to make your repayments. If they have been unable to collect your repayment on the date its due then they will usually keep trying your card for up to 90 days. Your lenders collection practices should be outlined in their terms and conditions so refer to them if you have any concerns.
Rolling over your loan
If you take out a loan and can’t afford the repayment, your lender may allow you to rollover your loan. Doing this will incur you further charges including additional interest and possibly a fixed charge for missing the original repayment date. Due to these additional charges, the total amount owed can inflate to an unmanageable amount with you quickly losing control of how much you owe.
As part of the new FCA regulations, you can only roll your loan over twice, so it is important that should you find yourself struggling to pay back your loan on the pre-arranged date that you speak to the lender and explain your circumstances.
What happens if you are struggling with your payments?
If you’re struggling to pay back your loan, the worst thing you can do is ignore the problem. Get in contact with your lender as soon as possible to arrange a solution that works for both you and them.