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Representative APR Example
£250 borrowed for 30 days. Total amount payable by one repayment: £310.
Total interest payable by one repayment: £60. Representative APR 1223.6% (Variable)

APR Explained

What exactly is APR?
Annual percentage rate (APR) is the percentage that will allow you to know how much a loan is going to cost. It will include the fee plus the interest rate a lender applies to a particular loan deal. To get an average yearly cost the interest of the loan along with the total fee are added up. Higher the APR, the more the overall cost of a loan will be.

Why does APR matter?
APR is a standard measurement and is used widely by lenders. It will help consumers to compare and contrast different financial products offered by different lenders. It is the responsibility of every lender to provide an accurate APR to their customers ahead of applying a loan.

What are the different ways to represent APR?
The two different ways of presenting APR are representative APR and typical APR. Some of the factors that may affect the actual APR you pay include your credit history, history with the lender, the amount of cash you want to borrow and for how long you wish to borrow. Under representative APR 51% or more of applicants for their product are offered, while under typical APR two thirds or more of applicants for their product are offered. Understanding the different APR will help you get idea about the actual rate you will be offered.

What does APR mean for short term loans?
Usually, APRs on short term loans are high compared to other financial products. Though such loans are expensive way to borrow, they are a fast way to access emergency finance. They are expensive because APR is usually used to calculate the cost of longer-term loans.

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Please note that payday loans are meant to be used for short term financial emergencies and are not designed to provide long term solutions

We expect you to repay your loan on the date agreed, so if you do not think you are in a position to make your repayment, please do not apply with us in the first place. It is not worth risking your credit rating for such a small amount.

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