Representative examples
When we quote a representative APR or comparison rate, it is the figure published by the lender at the time of writing. A representative rate is offered to a defined share of successful applicants; your own rate may be higher.
Simulations
Our calculators and worked examples use simplified assumptions, such as fixed rates and equal monthly payments. Real contracts can include fees, rounding and payment dates that change the result slightly.
Borrow responsibly
Missing payments can lead to extra charges, damage to your credit record and legal action. Borrow only what you can repay. If you are struggling, contact your lender early and seek free help from a debt advice service in your country.
Advertising
Ads on Filandy are supplied by third parties and are clearly separated from editorial content. Their presence is not an endorsement of any product.