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Rates & Terms

Pounds to Pocket is always upfront with you. That means no surprises or hidden fees.

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.
Representative Example: Amount of credit: £850 for 11 months at £146.30 per month. Total repayment of £1,609.25. Interest: £759.25. Interest rate: 150% pa (fixed). 277.6% APR Representative.

Know the Cost of Borrowing

Use the Pounds to Pocket LoanBuilder to estimate the amount of interest you’ll pay on a loan.
There are no annual fees, draw fees, early repayment fees, application fees or fast funding fees — ever!

The Pounds to Pocket LoanBuilder

Loan Overview

Loan Term
Total Number of Payments
Monthly Interest Rate
Monthly repayments
Amount borrowed
Total Interest
Total to repay
For illustrative purposes only. Rates may vary.

No Hidden Fees

If you miss a scheduled payment, you’ll be charged a late fee of up to £15.

If we debit your bank account and you have insufficient funds, your bank may charge you a non-sufficient funds (NSF) fee.

Interest will continue to accrue on the outstanding principal at the same rate as your contractual interest rate, starting the next calendar day after the date of your missed payment.


With the Pounds to Pocket LoanBuilder, you can choose to repay your personal loan over 6 – 12 months via one of the following methods:

  • Debit Card. Your regularly scheduled payments will be automatically withdrawn from your debit card on your due dates at no additional cost.

  • Direct Debit Authorisation. Use this option if you don’t have a debit card. Your regularly scheduled payments will be automatically withdrawn from your bank account on your due dates.

NOTE: Continuous repayment authority (CPA) is a type of automatic payment that authorises a lender to withdraw sums from a borrower’s bank account using debit card details, subject to terms that are fully disclosed and agreed upon in the application. Before choosing CPA, make sure you are fully aware of the commitment you are entering into when applying for and accepting a Pounds to Pocket personal loan.

If you won’t be able to make a payment, please contact us. See our FAQ page for more information.