You Borrow	You Repay
£300	£342
£400	£456
£500	£570
£600	£684
£700	£798
£800	£912
£900	£1026
£1000	£1140
£1100	£1254
£1200	£1368
£1300	£1482
£1400	£1596
£1500	£1710
£1600	£1824
£1700	£1938
£1800	£2052
£1900	£2166
£2000	£2280

How much does it cost to get the "Cash Advance" loan?

Our charges are amongst the lowest of all UK payday loan companies. We charge £14 for every £100 borrowed. Our interest charge is fixed and will not change, so that you know exactly what it is at all times. This could mean that the relative cost of borrowing for a period of say 7 days and repaying will be relatively higher than if you borrow for 40 days; this is because the interest charged will be the same for both periods. The calculated APR will vary depending on the amount and the period of the loan and will be provided to you clearly and in good time when you apply.

Your funds would be deposited to your bank account within 2 hours of final approval of your loan application.

The representative APR on a loan repaid after 29 days is 422.61%. The APR will be significantly higher the shorter the duration of your loan.

How much does it cost to get the
"Kabayan Instalment" loan?

Please see below for some illustrative examples of the repayments required for loans of £500 and £1,000. You will be provided with full details when we send you your Loan Agreement, Pre Contract Information and Important Information About Your Loan.

How can I repay the loan?

Repaying your loan could not be easier. There is no need for you to call us on the repayment date. Your repayment will be debited from your bank card, details of which were provided during the application process.

What happens if I do not repay my loan on the due date?

We will make every effort to contact you to discuss repayment arrangements and will be sympathetic if you are having difficulties in repaying.

What happens if you have to write to me about late payment?

We will charge you £2.50 for each of the first 2 letters that we have to send you requesting the payment. If we have to send a third letter this will incur a £10 late payment charge. We will send up to 4 letters if we are unable to contact you whereupon we will review your circumstances and decide what the realistic best options are.

What about interest charges?

We will charge you interest on the overdue amount outstanding that you borrowed at the interest rate set out in the loan agreement. We will not charge interest on interest or allow interest to accrue over time to a level that we consider you will not be able to repay in a short period of time.

Are there any other costs?

If you default and do not make acceptable arrangements to repay then we may take steps to enforce repayment through a court; you may have to also pay the direct legal costs we incur.