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Clear pricing

Our pricing is clear and transparent, so there are no surprises and you know exactly where you stand

Interest
29% of the amount borrowed (per month*)
*Interest is added approx. once a month depending on your pay dates
Credit transfer fee
£0.00
Other fees
£0.00
Late charge
£12.00
If you don't make your minimum payment on time, there will be a late charge on each occasion

Convenient payment options

Even with the minimum payment, you're always paying back part of the amount you borrowed

Minimum payment
Interest + 10% of the amount borrowed
when you took the last credit transfer (+ any late charges)
Other amount
Choose any amount above your minimum payment
by repaying early, you pay less interest
Pay in full
Pay back in full, at any time

We recommend to always repay the most you can afford as soon as possible to reduce the cost of borrowing. Learn more

How this works out for you

You choose your own payment amounts until your balance is cleared.
Take a look at our examples below:

Borrowing £200.00 on 5th June and making only the minimum payment

(on each due date when you are paid on the 28th of each month and take no further credit)

Date
Borrowed
Interest
Balance
Payment
28 Jun
£200.00
£58.00
£258.00
£78.00
28 Jul
£180.00
£52.20
£232.20
£72.20
28 Aug
£160.00
£46.40
£206.40
£66.40
28 Sep
£140.00
£40.60
£180.60
£60.60
28 Oct
£120.00
£34.80
£154.80
£54.80
28 Nov
£100.00
£29.00
£129.00
£49.00
28 Dec
£80.00
£23.20
£103.20
£43.20
28 Jan
£60.00
£17.40
£77.40
£37.40
28 Feb
£40.00
£11.60
£51.60
£31.60
28 Mar
£20.00
£5.80
£25.80
£25.80
29 Mar
£0.00
£0.00
£0.00
£0.00

Borrowing £200.00 on 5th June, paying in full on your first due date

(when you are paid on the 28th of each month and take no further credit)

Date
Borrowed
Interest
Balance
Payment
28 Jun
£200.00
£58.00
£258.00
£258.00
28 Jul
£0.00
£0.00
£0.00
£0.00

Borrowing £200.00 on 5th June, and paying £100

(on each due date when you are paid the 28th of each month and take no further credit)

Date
Borrow
Interest
Balance
Pay
28 Dec
£200.00
£58.00
£258.00
£100.00
28 Jan
£158.00
£45.82
£203.82
£100.00
28 Feb
£103.82
£30.11
£133.93
£100.00
28 Mar
£33.93
£9.84
£43.77
£43.77
29 Mar
£0.00
£0.00
£0.00
£0.00

Clear transparent pricing

Our pricing is clear and transparent, so there are no surprises and you know exactly where you stand.

Interest
29% of the amount borrowed (per month*)
*Interest is added approx. once a month depending on your pay dates
Credit transfer fee
£0.00
Other fees
£0.00
Late charge
£12.00
If you don't make your minimum payment on time, there will be a late charge on each occasion

Convenient payment options

Even with the minimum payment, you're always paying back part of the amount you borrowed

Minimum payment
Interest + 10% of the amount borrowed
when you took the last credit transfer (+ any late charges)
Other amount
Choose any amount above your minimum payment
by repaying early, you pay less interest
Pay in full
Pay back in full, at any time

We recommend to always repay the most you can afford as soon as possible to reduce the cost of borrowing. Learn more

How this works out for you

You choose your own payment amounts until your balance is cleared.
Take a look at our examples below:

Borrowing £200.00 on 5th June and making only the minimum payment

(on each due date when you are paid on the 28th of each month and take no further credit)

Date
Borrowed
Interest
Balance
Payment
28 Jun
£200.00
£58.00
£258.00
£78.00
28 Jul
£180.00
£52.20
£232.20
£72.20
28 Aug
£160.00
£46.40
£206.40
£66.40
28 Sep
£140.00
£40.60
£180.60
£60.60
28 Oct
£120.00
£34.80
£154.80
£54.80
28 Nov
£100.00
£29.00
£129.00
£49.00
28 Dec
£80.00
£23.20
£103.20
£43.20
28 Jan
£60.00
£17.40
£77.40
£37.40
28 Feb
£40.00
£11.60
£51.60
£31.60
28 Mar
£20.00
£5.80
£25.80
£25.80
29 Mar
£0.00
£0.00
£0.00
£0.00

Borrowing £200.00 on 5th June, paying in full on your first due date

(when you are paid on the 28th of each month and take no further credit)

Date
Borrowed
Interest
Balance
Payment
28 Jun
£200.00
£58.00
£258.00
£258.00
28 Jul
£0.00
£0.00
£0.00
£0.00

Borrowing £200.00 on 5th June, and paying £100Choose any amount

(on each due date when you are paid the 28th of each month and take no further credit)

Date
Borrowed
Interest
Balance
Payment
28 Dec
£200.00
£58.00
£258.00
£100.00
28 Jan
£158.00
£45.82
£203.82
£100.00
28 Feb
£103.82
£30.11
£133.93
£100.00
28 Mar
£33.93
£9.84
£43.77
£43.77
29 Mar
£0.00
£0.00
£0.00
£0.00

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quid.co.uk has changed...

We're excited to introduce our new product, Sunny – a different way to borrow.

Introducing...

Why not give us a try?

  • Up to £1,000 within 15 minutes of approval
  • Ongoing access to a running credit account
  • No application, funding or late fees with the Sunny No Fee Guarantee
  • Choose repayments over 1 to 5 months with Sunny Flexipay
  • Earn interest rates as low at 15% per month over time (find out more at sunny.co.uk)
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