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Charges | Metroloan


Let’s explain how it works and why we are head and shoulders above the rest

If you are considering a loan you must make sure you understand the total cost involved before you agree to anything. We strongly advise you to only ever borrow what you can afford to repay.

We are trusted as an experienced broker in the financial industry and we are determined to build even further on our reputation for excellence. This comes from being open and honest with our customers so they fully understand how these products work.

After a simple and quick application process you can get a loan of between £80 and £750. But you must make sure you have enough money to pay it back when your agreement ends.

You can apply to borrow between £80 and £750 but please think very carefully before you agree to any loan. You must be able to repay it when the agreement comes to an end.

The time between an individual’s application and the next date they are paid will vary from one person to the next.

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7 days

You pay back:     £352.80
Total loan cost: £72.80*

The UK finance industry is required to use a calculated Annual Percentage Rate by law. You may recognise this better as APR. The thinking behind this is to make the comparison between loans easier for consumers. But APRs are not designed for short-term loans. They also don’t take into consideration non-interest related fees or charges. All this means the calculation is difficult to use when comparing short-term loans.

Let us explain further – If we look at a unsecured personal loan which is taken over 5 years we will see the total fees on top of a £15,000 loan clocking up to £4,981.92. That is 33.2% of the original loan.

If we now match that up comparatively with the 24% charged over a 30-day period against the personal loan the overall cost per £1 borrowed is actually LOWER with the short-term loan.

Comparing Payday Loans and Personal Unsecured Loans

Example of a payday loan:

  • £200 over a 30-day period

  • Pay back £248

  • Interest £48

  • APR 1269.7%

For every £1.00 borrowed, £1.24 would be paid back

Example of a payday loan:

  • £15,000 over a 60-month period

  • Pay back £19,981.92

  • Interest £4,981.92

  • APR 15.9%

For every £1.00 borrowed, £1.33 would be paid back

Instant cash loans from £80 to £750

Get an instant decision online and payment direct into your account.

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Consumer Advisory: We are a loan matching service. Our sophisticated web-based application form submits the information you provide to lenders. Once a loan is approved, a lender may need more information from you which they will collect after you have been transferred from out site.

We are not a direct lender. Loan terms, conditions and policies vary. Late or missed loan payments are subject to increased interest rates and fees. Not every lender will offer up to £750 loans, and not all applicants will be approved for the amount they want. Repayment periods vary. Lenders may use collection services for non-payment of loans.

Some customers will not qualify for a loan at all. The operator of this website does not engage in any direct consumer lending, we simply provide a FREE loan matching service.

Representative 1223.6% APR

Representative Example: 1223.6% APR variable. £100 borrowed over 30 days would equal total borrowing of £124.00. Actual Interest is 24%.

Note: the APR you pay may differ depending on the lender that accepts you.

Metro Loan is a trading style of Atlantic Square Limited registered in England and Wales, company registration number SC182075. Atlantic Square is authorised and regulated by the Financial Conduct Authority, reference number 659330. Registered Office Address: Caledonia House, 89 Seward Street, Glasgow, G41 1HJ.

*Fund transfer times may vary based on the matched UK money lender, time of day applied and your bank.