Your loan rate reduces when your credit score improves. So your rate changes as you do.
We’ll look at your credit score data provided by Equifax every three months and if your credit score has gone up by 25 points, we’ll automatically reduce your loan rate. Don’t worry, this check won’t affect your credit score.
For every 25 points that your credit score increases, we’ll reduce your loan rate by 2%, as long as you’re up to date with your repayments.
We’ll reduce your loan rate straight away and reduce your monthly repayment, so your loan will cost you less! Your loan rate can reduce to 9.9%.
We’ll never put your rate back up, even if your credit score gets worse.
The right APR for you, right away
We think representative rates are confusing. So, when we give you your quote, we’ll give you your real rate. That way, you’ll know exactly how much your loan will cost.
No paperwork, no fuss
We won’t ask you for information that we don’t need and with a simple, online application it should only take five minutes to complete.
The loan that’s fast. Really fast
Not only will we give you a decision in two minutes, we’ll also transfer your funds immediately so your money’s in your account in under four hours.
Life has its ups and downs
We won't charge you a fee. Ever. Not to open your loan, to service it or to close it early. We won’t even charge you if you miss a loan repayment.