£100 repaid 28 days later
Representative Example: Borrow £300 for 25 days. Interest rate 146% pa (fixed). One repayment of £330.
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Vivus (vivus.co.uk) is a simple and cleanly sorted short-term lending service, and on your first loan, interest is payable at an incredibly low rate of 0.4% per day for the duration of the agreement! Vivus.co.uk is a payday lending company whose loans are designed to be paid off in one simple repayment when you get paid. Subsequent loans however, have interest payable at their standard rate. If you haven’t paid 5 days after the agreed date, a £15 late payment fee will be applied and interest will continue to be added at the same rate.
Vivus is a trading name of V7 Ltd, and is registered as a data controller with the Information Commissioner’s Office. It’s a simple product, but one must think about it carefully and make sure one completely understands before deciding to apply, to ensure it’s suitable for one’s needs. High-cost short-term credit is an expensive form of borrowing and is not suitable for sustained borrowing over longer periods.
As long as you are able to repay the loan on the agreed date. The first Vivus loan is offered at half price, so you’ll pay interest at 0.4% of the loan amount each day before payment. If you’ve borrowed from Vivus before and have repaid your loan on time, the next time you may be able to borrow up to £700, so long as you can afford the repayment. The future loans however, will have 0.8% interest rate.
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Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk