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

Advance Plus Loan

We’re here to lend a hand to customers who want to borrow money for a longer period of time and spread the cost evenly.

You could borrow between £100 to £1,000 and pay back your loan over 4, 5 or 6 months - whichever works best for you.

Your scheduled payments will always be the same each month and there are no default charges so you’ll never pay a penny more than the amount you agree up front.

An online application process - to make things simple

Choose the loan amount you’d like to apply for and complete our online application form. We’ll make a decision based upon your circumstances and for new customers we will complete a full credit check.

If we decide you can’t quite have the amount you’ve initially applied for, don’t worry, if you could have a lower amount we’ll show you this online and you can decide if this is right for you today.

Try our simple loan calculator to find an affordable loan for you. Or as an existing customer login you can to your login into your account to view your personalised loan calculator.

Stay in control, only repaying what you agreed upfront

There is a 0.79% daily interest charge on the original amount borrowed throughout the term of the loan. There are no hidden charges or late fees, giving you peace of mind that you’ll never pay more than the amount you agree to pay when you take out your loan.

Flexible repayments to suit you

When you take out your loan, the repayments will be set up to be collected on your pay dates. If your next pay date is less than 21 days from when you take out your loan, your first repayment will be made on your following pay date. Your repayment dates will clearly be shown in your loan summary before you sign your agreement.

There is a minimum loan term of 21 days for all our loans. You have the right to withdraw from your loan agreement up to 14 days from the date of your loan. You will pay the capital and daily interest up until the day you withdraw.

£400 over 4 months the total repayable is £619.61, 4 monthly instalments of £154.90. Total charge for credit £219.61.

£400 over 5 months the total repayable is £677.71, 5 monthly instalments of £135.54. Total charge for credit £277.71.

£400 over 6 months the total repayable is £738.66, 6 monthly instalments of £123.10. Total charge for credit £338.66.

With an Advance Plus loan you also have the option to make overpayments at any time, saving you money on the daily interest. If you fall behind on your payments you have the ability to catch up on part, or all of your missed payments online using your debit card by logging into your login area.

Short-term loans should only be used for short term financial needs and are not appropriate for long term borrowing.