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Representative Example: £200 for 30 days. One total repayment of £248.00. Interest: £48.00. Interest rate: 292% pa (fixed). 1272% APR representative. Short-term loans should only be used for short-term financial needs and are not appropriate for long-term borrowing, or if you are in financial difficulty. Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk