Yes, we don't limit the number of rewards you can get at each review period. So, if your credit score increases by 100 points, we'll reduce your loan rate by 8%. You can continue to earn rewards every three months, as long as you're up to date with repayments, if your score has increased by 25 points or more.

Your loan rate can reduce all the way down to 7.9% so if your loan rate is 7.9%, you won’t be able to earn a reward.

Representative Example: 14.9% APR Representative based on a loan of £5,000, repayable over 42 months at an interest of 14.9% pa (fixed). Monthly repayment of £151.19. Total amount payable £6,350.06. Our representative APR applies to loans from £1,000 to £12,000, for terms of 12-60 months.

Our personalised APR ranges from 9.9% to 36.7%.