What does it cost?
We use qualified experts to give you the best valuation on your items and always aim to offer the right loan.
Key Features:
- The rate of interest depends on the value of the loan (see the table below);
- Nothing to pay for up to six months
- Interest calculated on a monthly basis, so if you repay after three months you pay just three months interest;
- You can also extend the agreement for a further six months by paying the interest due.
- All items are held in a secure location for the duration of the loan.
Our Interest Rates
| Loan Amount | Monthly Interest | APR | Representative APR 69% |
|---|---|---|---|
| £250 - £999 |
6% | 85% | |
| £1000 - £9,999 | 5% | 69% | |
| £10,000+ | 4% | 53.8% |
* Does not apply to car loans where we will quote separately
H&T Online's average loan is £850 with a loan period of 6 months. The average loan incurs a monthly charge of £51 based on our monthly interest rate of 6% which is repayable in a single payment of £1156. The representative APR for this loan is 85.0%
No Hidden extra's
- Free courier insured to £30,000 (to and from)
- Free valuation
- No penalties for early repayment
- Free payment into your bank account by same day transfer (we do make a small charge for issuing Postal Orders sufficient to cover our cost)
- Repay your loan for free via Cheque, Debit Card, Bank Transfer, Postal Order, Cash (we do make a charge for Credit Cards sufficient to cover our cost)
