Many of our loans offer you a repayment holiday at the start of the loan term. This means you will not have to repay a single penny for up to 5 months after your loan is completed (Interest charged from opening of account). This scheme is particularly popular both before and after Christmas.

Many of our plans allow you to fix the interest rate for up to 5 years. This means your repayment is always the same for the fixed rate period. Knowing what you have to repay each month in advance can be a major advantage.

Many of our loans offer you the choice to repay over and above your monthly repayment at any time. This reduces the balance of your loan and means interest is then only charged on the lower balance remaining. The end result is that you can clear your loan earlier and repay less interest than you would have done.

Having little or no equity in your property does not stop you getting a loan. Some of our loans allow you to borrow up to 100% the value of your property, so if your mortgage is up to the same value of your home, we can still help you.

Valuable protection against accident, sickness or unemployment is an option on ALL our loans. Some of our loan plans also offer life cover, which will repay all or part of the loan in the event of your death. Peace of mind with your repayments is always available.

Some of our loans offer Repayment Protection Cover with a 100% premium cashback. If you have kept up your repayments and not made a claim on your policy, you get your whole premium back at the end of the term of
the cover.

All our loans offer you a rebate of interest if you settle them earlier than the scheduled term, even though some penalties are payable. This means that you will repay less interest if you clear your loan early. These rebates can differ slightly between certain loan plans, but ALL of them are calculated within the early settlement terms of the Consumer Credit Act.