Interest, Fees and Repayments
Learn how loan costs, fees, interest and repayments are calculated.
What Happens If You Miss a Personal Loan Repayment?
Learn what can happen if you miss a personal loan repayment, including possible fees and credit reporting, and the steps you can take.
How Does the Length of a Loan Affect Its Total Cost?
A lower repayment does not always mean a cheaper loan. Learn how a longer or shorter loan term can change the total amount you pay.
What Does the Total Amount Payable on a Loan Mean?
Learn the difference between the amount you borrow and the total amount payable, and why it is worth checking both before you agree to a loan.
Interest Rate vs Comparison Rate: What Is the Difference?
Interest rates and comparison rates measure different things. Learn how each one works so you can compare loan offers more carefully.
How to Calculate the Total Cost of a Personal Loan
The interest rate alone does not show what a loan will cost. Learn how interest, fees, the loan term and repayments add up to the total.
What Is an Establishment Fee on a Personal Loan?
Learn what an establishment fee is, when it may apply to a new personal loan and how it adds to the total cost of borrowing.
How Much Can You Comfortably Afford to Repay Each Week?
Before you borrow, work out what you can comfortably repay each week. This guide explains how to test a repayment against your full budget.
What Loan Fees Should You Check Before Applying?
Interest is only one part of what a personal loan may cost. Learn which upfront, ongoing and conditional fees to check before you apply.
Fixed vs Variable Interest Rates: Which Is Better for a Personal Loan?
Compare fixed and variable interest rates on personal loans, including how each type can affect your repayments and the total cost of borrowing.
Can You Repay a Personal Loan Early?
Thinking about paying off your personal loan sooner? Learn how early repayment generally works and why the cost depends on your credit contract.