On this basis the maximum annual interest rate charged would be 39.95% Loan fees The Default rate that we charge is 10% per annum above the Interest Rate that normally applies to your loan. If you get behind in your loan repayments, then we may charge a default interest rate on any overdue loan payments, while they are unpaid. Once set, our interest rate is fixed for the term of your loan. The rate that applies to your loan will be based on a range of factors including your circumstances, credit history with us or others, the security you can provide and the loan amount. Instant Finance provides loans at an annual interest rate from 12.95% to 29.95% per annum. Our minimum loan term is 3 months, and our maximum loan period is typically 3 years. This includes a duty to comply with a code of conduct and a requirement to be licensed. This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. Because of these protections, the recommendations given to you about consumer loans and any associated payment protection insurance are not regulated financial advice. You are protected by responsible lending laws. Personal service: We pride ourselves on being a responsible lender with the best customer service and have done so over 50 years! Our friendly and knowledgeable team are here to help and support you throughout the loan application process.Fast funding finance: Once your personal loan has been approved, in most cases, you can have the money in your account within 24-hours or the following business day. We will help choose the best plan for you, helping decide the best loan term and loan amount for your circumstances. We also have easy to manage repayment plans to suit your financial situation.
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