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Total amount of credit of up to £1,000 over 12 months. The advances are repayable over 6 months. There are 12 monthly membership payments of either £8 or £10 dependent on product offered. Rate of interest 0% p.a. (fixed). Representative 43.1% APR. Total amount payable £1,120 for Plus product. Representative 77.3% APR. Total amount payable £596 for Core product.

Representative example: When you spend £1,200 at a purchase rate of 28.8% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £160 per annum, your representative rate is 72.4% APR (variable).

Borrowing £10,000 over 60 months with monthly repayments of £232.53. The total amount repayable will be £13,951.80. Representative 14.9% APR, annual interest rate (fixed) 13.97%.

A loan of £17,500 over 60 months at a fixed annual rate of 3.1% would result in a representative rate of 3.1% APR, 60 monthly repayments of £314.89 and a total amount repayable of £18,893.40

If you use an arranged overdraft of £1,200 you will be charged 39.94% APR (variable)/EAR (variable). Actual credit limit may differ. Arranged Overdraft Usage 39.94% APR (variable)/ EAR (variable). Monthly interest of 2.00% AER/ 1.98% gross (variable) on balances up to £20,000. 

Assumed arranged overdraft £1,200: 0% EAR variable on the first £25, 39.9% EAR variable on anything above that, giving a representative rate of 38.9% APR variable.