Instalment Loans

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How much would you like to borrow:

How long would you like it for?
3 months
6 months

Your monthly repayments are:

Total amount to be repaid:
Annual percentage rate:
  % APR

Representative Example: £200 loan for 6 months at a fixed interest rate of 290% pa. Total amount payable is £359.71 in monthly instalments of £74.65, £71.73, £64.05, £58.76, £49.75 and £40.77. This is based on the amount of credit plus interest, no other fees apply. Representative 1266.9% APR

There are some situations when you need to get a loan as soon as possible, but you need some extra time to make the full repayment. If that is the case, a instalment loan is the ideal choice. It allows you to solve your urgent financial needs fast and you can repay the amount borrowed over a convenient time schedule.

An instalment or a multi month loan from is a longer term credit facility which has be repaid in three monthly instalments. This option lets you split the repayment into three separate payments, so you don’t have to repay everything at once. This is why the total repayment amount will be higher than for a payday loan, but each individual payment will be less. Repaying the loan this way may therefore be much better suited to your monthly budget.

When is an instalment loan useful?

There are a number of circumstances when you may want to take out an instalment loan: for urgent car repairs, unexpected medical fees or even a last minute holiday. We don’t ask you why you need an instalment loan, but, before applying, you should ask yourself if you really can repay the amounts that will be due on your repayment dates.

What are the advantages of this type of credit?

One of the main features of a instalment loan is that we are flexible and you have the flexibility to select the date when you want your repayments to start. You can choose the first repayment date to match your exact payday so it does not have to be exactly one month from the date that you apply.

The main advantages of the multi month loan service are:

the convenient dates of monthly repayments for your instalment loan – you can choose the date when you begin your repayments yourself to better suit your individual circumstances;
the range of loan amounts that we offer – you can borrow from £200 to £400 as a new customer, however this can be increased up to £750 for returning customers;
the option to get an instalment loan for the amount that you want, down to the exact £1. You never have to apply for more than you really need.

The entire process of applying for a instalment loan is done online. You do not need to spend a lot of time going to a bank, posting or emailing your documents and waiting for days to find out the outcome of your application. We understand that there are circumstances when you need money fast and our online application process is set up to offer you that.

How much will I have to repay?

The credit calculator on our website lets you see exactly what your repayment will be and when you will need to make it as well as the total sum that you will have to repay to settle your account and the interest rate. Please make sure you check it thoroughly before you apply for a loan, this will allow you to plan your monthly budget to include your instalment loan repayments and you will have a clear understanding of how much money you will need to pay to settle your loan in full.

Can I repay my instalment loan early?

You can repay and settle your instalment loan at any time that you want by logging into your account online. You only ever pay interest for the amount of time that your loan is outstanding so we would always recommend to pay off an instalment loan early if you are able to do so, as that would allow you to avoid paying any additional interest that will otherwise accrue on your balance.

What should I do to get an instalment loan?

You need to complete our online application form with the personal information that we require to make a decision on whether we can approve your application. You can be confident that any information you provide to us is handled securely – we are a direct lender, not a broker of instalment loans, so we make all our lending decisions ourselves and we take data protection very seriously to ensure your information is always safe with us.

We have a few minimum requirements that our customers must meet before they can apply for our multi month loan, you need to:

  • be aged 18 or over;
  • be living in the UK;
  • be in full or part-time employment;
  • have a UK bank account with a linked debit card.

When we receive your application, we will make a fast decision on your instalment loan so you will know if you have been accepted in a matter of minutes. We understand real life and real people won't always have a perfect credit history, so even if you think you have a bad credit score, we may still be able to approve your loan. If your application is approved, we will transfer your funds straightaway and you will receive your money shortly afterwards even if you apply in the evening, at the weekend or on a bank holiday. We offer fast, same day transfers on all of our loans on a 24/7 basis.

You can always ask us about our services by e-mail, phone or using the Contact Us form on our website. You can apply for a loan 24 hours a day, 7 days a week and we will always be happy to help you solve your urgent cash flow needs.