Your rate is risk-based: from 1.99% to 4.99% per month. Use this calculator to understand your cost at any rate band. No fees, no guesswork.
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| Event | Balance | Interest | Capital repayment |
|---|
Illustrative purposes only. Calculations assume the full facility amount is drawn at the start of the 30-day funding period. Interest accrues daily on the outstanding balance from the date of draw. A 60-day grace period applies before capital repayments begin: months 1 and 2 are interest-only. Capital is then repaid in equal 30-day instalments over the chosen repayment period (3–6 periods). Interest is calculated on the 1st of each period and collected via Direct Debit on or after the 8th. Total duration ranges from 5 periods (3-period repayment) to 8 periods (standard 6-period repayment). Your actual rate is determined following a full credit assessment. Figures rounded to the nearest pound.
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