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Interest : £0
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Representative APR Example
£450 borrowed for 30 days. Total amount payable by one repayment: £558.
Total interest payable by one repayment: £108. Representative APR 1223.6% (Variable)

What is APR?

Shopping around for loans can be confusing. You will have to check out the various features like the APR, interest rates and fee. APR stands for annual percentage rate and is the interest rate applied to a loan deal. It is the yearly cost of borrowing. Borrowers will have to pay on top of the money borrowed.

In short, APR is the percentage you will pay back to your credit provider. You should understand that not everyone receives the same rates if you have selected APR based on representative rate. Only half of the applicants may receive the representative APR and the rest may receive rate that could be higher. As per APR based on representative rates, you will have to pay annual rate of interest along with annual fee.

It is the lender who decides on the rate you will be paying based on your credit score. Your current credit rating will help the lender to evaluate if there is a risk of lending to you. If you have missed payment or made a late repayment it will have negatively affect on your credit score and it could eventually affect the APR you receive.

Applying for short term loans in the United Kingdom will provide you with cash from £500 up to £100 that needs to be repaid over a short tenure or until payday. The typical annual percentage rate for such small loans in the United Kingdom can be 1,000% APR or more.

Understanding APR will help you to calculate the cost of borrowing. The amount you end up paying will depend on the amount of cash borrowed, time taken to repay and your credit status.

We Are A Broker, Not A Lender

The operator of this website is not a lender and does not make credit decisions. The information you provide will be used in securing you a payday loan through our UK network of leading Payday Loan Lenders and Brokers. The personal, financial and employment information that we collect is stored electronically for the duration of your application and is removed from our system upon acceptance from a lender.

We expect you to repay your loan on the date agreed, so if you do not think you are in a position to make your repayments please do not apply with us in the first place. It is not worth risking your credit rating nor any financial consequences which might result.

Payday Loans are classified by the Financial Conduct Authority as High Risk Financial Instruments and are typically subject to higher rates of interest than those charged by 'high-street commercial lenders'.

Please note that payday loans are meant to be used for short term financial emergencies and are not designed to provide long term solutions.

Any queries or complaints regarding our service should be addressed in writing to this address.

Pervasive Web Solutions is authorised and regulated by the Financial Conduct Authority to carry out Credit Broking: Authorisation Number FRN740122
Authorisation can be checked on the Financial Service Register at


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Pervasive Web Solutions
Room G49, Lakeside House, 1 Furzeground Way,
Stockley Park, Uxbridge, Middlesex, UB11 1BD

Authorised and regulated by the Financial Conduct Authority.
Authorisation can be checked on the Financial Service Register at
Credit Broking: Authorisation Number FRN740122
Data Protection Reg No: ZA123718

Warning: Late repayment can cause you serious money problems. For help, go to