What fees and charges will you have to pay? 🧾

Loan Actions & Missed Payments
The amount of each charge applicable to your proposed agreement is shown in the Pre-Contract Credit Information and in the credit agreement. You may have to pay the following types of credit charges and fees:

• if you request to reduce your monthly repayments then a £30 charge is applicable. We do not charge you to increase your monthly instalment.
• default charges are £25 per late payment. If your scheduled repayment fails you'll receive an SMS to let you know. You can make your repayment manually the same day to avoid a £25 fee being charged.

Your Loan Fee

Your loan includes a loan fee, also known as an arrangement fee, which is a charge for using our service.

You don't need to pay the loan fee upfront - it’s added to your loan balance and paid via your regular monthly repayments and will accrue interest.

Please note that the loan fee is non-refundable if you pay off your loan early, unless you choose to exercise your right to withdraw from your credit agreement within 14 days.