PERSONAL LOANS REIMAGINED

Find out more

BETTER PRICED

Assessing your future and past to offer you better and fairer rates

SIMPLE AND FAST

Application process only takes a few minutes; no lengthy forms

LOWER RISK

Payments adjust to salary, making repayments easier to pay

Your payments are based on a
PERCENTAGE OF YOUR SALARY to IMPROVE AFFORDABILITY

That means, as you EARN MORE, your PAYMENTS
INCREASE and your TERM DECREASES

PAYMENTS INCREASE and your TERM DECREASES
PAYMENTS DECREASE and your TERM INCREASES

and if you have a period where you EARN LESS, your
PAYMENTS DECREASE and your TERM INCREASES

GOCAP has built in a MAXIMUM AND A MINIMUM
MONTHLY PAYMENT, so it’s not open-ended

MONTHLY PAYMENT

The TOTAL REPAYABLE ALWAYS REMAINS FIXED, which means that the TERM OF THE LOAN IS VARIABLE

Our loans are LINKED TO YOUR SALARY to provide you with a FAIR AND FLEXIBLE rate,
more IN LINE WITH YOUR AFFORDABILITY
How much would you like to borrow?
Choose Loan Amount
Choose Term
Please key salary
MONTHLY Salary After Tax
£
By clicking ‘Get Quote’ you consent to a soft credit check with TransUnion, which
will not be visible to other lenders, and does not impact your credit score

We are sorry, but unfortunately we can't provide this amount over this period of time. You would need to select a shorter term or a higher amount to continue. Please check that the repayments will still be affordable.

14.5%
Representative APR:
£
Monthly cost at
beginning of the term:
%
Monthly Cost as a
%ge of net salary:
£
Loan fee:
At the Representative APR, your monthly costs would range between £ and £ (min-max) and you wouldn’t repay more than £, plus the Loan Fee

*Credit is subject to creditworthiness assessments and affordability*

You borrow £5,000 over 36 months. Interest rate: 11.75% per annum (variable). Representative Annual Percentage Rate (‘APR’) of 14.5% (variable); 36 payments of £164.01 per month, a total repayable of £5,904.36, plus £175.00 total fees.

Assuming a 6% salary INCREASE per year. You borrow £5,000 over 36 months. Interest rate 11.75% per annum (variable). Representative APR of 14.9% (variable); Payments would be for months 1-12: £164.01; months 13-24: £173.85; months 25-34: £184.28; and month 35 £7.24. Your actual APR would rise to 14.9%.

Assuming a 6% salary DECREASE per year. You borrow £5,000 over 36 months. Interest rate 11.75% per annum (variable). Representative APR of 14.0% (variable); Payments would be for months 1-12: £164.01; months 13-24: £154.17; months 25-36: £144.92; months 37-38: £136.22; and month 39: £74.72%. Your actual APR would fall to 14.0%.

In both cases, and any other, your total repayable is £5,904.36, plus £175.00 total fees.