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Representative Example: Amount of credit: £1200, interest rate: 49.9% pa (variable) and 1.65% transaction fee. Representative 68.7% APR (variable)

All credit is subject to status and you will need to meet our creditworthiness and affordability criteria to be approved.

We will check your credit file as part of our assessment process which will leave a search footprint. We use TransUnion credit reference agency and you should contact them directly if you would like to know more about the information that they hold about you.

You may be offered a different credit limit and representative APR to any shown here as it depends on your individual circumstances.

You must make at least the minimum payment in each month you have a balance outstanding on your account. If you don’t, there could be severe consequences and we may:

If you only make the minimum payment each month, it will take you longer to pay off the balance and will cost you more.

The rate of interest may be changed (up or down) in accordance with our credit agreement with you.

We may change your credit limit from time to time which may mean reducing your credit limit as part of our responsible lending assessment.