Your rate is risk-based: from 1.99% 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 (6 or 9 periods). Interest is calculated on the 1st of each period and collected via Direct Debit on or after the 8th. Total duration is either 8 periods (6-period repayment) or 11 periods (9-period repayment). Your actual rate is determined following a full credit assessment. Figures rounded to the nearest pound.
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