Loan Terms

An application is a request to be assessed. It is not an offer of credit and creates no obligation to lend or to borrow.

Figures shown by the calculator and in the application are estimates based on illustrative parameters, not your final terms.

We assess identity, affordability and eligibility. We may request payslips, bank statements or proof of address through a secure channel.

We may decline an application, and we are not required to give a detailed reason beyond what applicable law requires.

If approved, you receive a written offer stating the amount, interest rate, all fees, the repayment schedule, the total amount repayable and the term.

Nothing is binding until you accept that offer. Read it in full and compare it against the estimates you were shown.

Repayments are due on the dates set out in your offer. Interest accrues as described there, and an origination fee may apply.

Terms available range from 3 to 24 months, and the maximum amount is $10,000 or its equivalent.

Missing a repayment may lead to charges, additional interest, and reporting to credit reference agencies where applicable, which can affect your ability to borrow in future.

If you expect difficulty paying, contact us before the due date. We would rather agree a plan than escalate.

You may repay early. Your offer will state whether any early-settlement adjustment applies.

Where local law grants a cooling-off or withdrawal period, your offer will set out that right and how to exercise it.

We never ask for an advance fee, deposit, insurance payment or gift card in order to release a loan. Any such request is fraud — do not pay it and report it to us immediately.