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BETTER PRICED

Assessing your future and past to offer you better and fairer rates

SIMPLE AND FAST

Application process only takes a few minutes; no lengthy forms

LOWER RISK

Payments adjust to salary, making repayments easier to pay

Our loans are LINKED TO YOUR SALARY to provide you with a FAIR AND FLEXIBLE rate,
more IN LINE WITH YOUR AFFORDABILITY

How much would you like to borrow?

By clicking ‘Get Quote’ you consent to a soft credit check with TransUnion, which
will not be visible to other lenders, and does not impact your credit score

We are sorry, but unfortunately we can't provide this amount over this period of time. You would need to select a shorter term or a higher amount to continue. Please check that the repayments will still be affordable.

25.3%

Representative APR:

Monthly cost at
beginning of the term:

Monthly Cost as a
%ge of net salary:

Loan fee:

At the Representative APR, your monthly costs would range between £ and £ (min-max) and you wouldn’t repay more than £, including the Loan Fee

Representative Example: Assumed borrowing of £3,500 over 30 months at 25.3% APR representative. Monthly cost of £154.06. Interest rate of 21.70% p.a. (variable).

Assuming a 6% salary INCREASE p.a. monthly cost for months 1-12: £154.06; months 13-24: £163.30; months 25-28: £173.10; month 29 £121.08. Your actual APR would rise to 25.8%.

Assuming a 6% salary DECREASE p.a. monthly cost for months 1-12: £154.06; months 13-24: £144.82; months 25-31: £1136.13; months 32 £82.33. Your actual APR would fall to 24.6%.

In all above cases, and any other, the total amount repayable is £4,621.80, including £122.50 total fees.

Your payments are based on a
PERCENTAGE OF YOUR SALARY to IMPROVE AFFORDABILITY

That means, as you EARN MORE, your PAYMENTS
INCREASE and your TERM DECREASES

and if you have a period where you EARN LESS, your
PAYMENTS DECREASE and your TERM INCREASES

GOCAP has built in a MAXIMUM AND A MINIMUM
MONTHLY PAYMENT, so it’s not open-ended

The TOTAL REPAYABLE ALWAYS REMAINS FIXED, which means that the TERM OF THE LOAN IS VARIABLE