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Find the row that sounds like your situation. You do not have to pick correctly — if another one suits you better we will say so.
Salaried · Fixed monthly repayment
The general-purpose one. Renovation, a wedding, school fees, a medical bill that arrived at the wrong time. You borrow a set amount and repay the same figure every month until it is finished, so the cost is known on day one.
Several debts · One repayment
For people paying three or four bills on three or four dates. The idea is to roll them into one repayment so there is a single number to track. Whether it saves you money depends on your current rates, and we will look at that with you honestly.
Owners · Freelancers · Drivers
Written for people without a fixed payslip — hawkers, private-hire drivers, contractors, anyone running something small. Stock, equipment, or covering the gap while an invoice is still unpaid. Bank statements matter more here than an employment letter.
Smaller amount · Shorter tenure
A smaller sum over a shorter period, for a gap you can already see the end of — a bill landing before payday, a deposit that has to go out this week. Short tenure means less interest overall but a higher monthly figure, and we show you both before you decide.