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Representative 278% APR. Representative example: Borrow £500 and pay £79.09 per month for 12 months at a fixed interest rate of 140% per year. The total charge for credit is £449.01 (all interest). The Total Repayable is £949.01. †The loan amount that you receive is subject to your individual status review by Pounds to Pocket. ‡Pounds to Pocket checks your status with Credit Reference Agencies but may still approve those with less than average credit ratings. §Funds will be sent to your account within 1 hour, if approved between 00:30 and 22:00. If your bank does not support Faster Payments, funds will only be deposited the same day, if approved by 14:30. Learn more. ¶We may require documentation and your application may be delayed if your identity or status requires further verification. Customers with credit difficulties should seek credit counselling.