01 / Work out the cost
Choose an amount, term and example date. The calculator shows the full estimated repayment using our reference tariff. Review the schedule and return to edit it without losing your selections.
02 / Check your budget
Allow for food, housing, transport, existing repayments and unexpected expenses. Everyday+ includes a free budget worksheet. An estimate is not an affordability assessment.
03 / Explore the partner
A labelled partner link leaves this website. Read the destination’s product description, eligibility rules, pricing and privacy terms before sharing information. We may receive a referral commission. Your calculator selections are not forwarded.
04 / Review before agreeing
The provider handles applications, checks, quotations and any agreement. Confirm the creditor, total repayment, fees and dates. Approval and receipt of funds are separate steps; timing is set by the provider and bank.
05 / Keep the right contact
For an existing agreement, use the lender’s contact details on your contract or statement. Return here for general guides, calculators and free planning tools.