Loans over 12 months are usually fixed monthly payments over the course of the year until your loan is cleared. However, you can pay your loan off faster. You can make early repayments at no extra cost or when applying online you can compare the different interest rates of repayment periods and choose which one is best for you and the amount you need. We offer 3 month loans as well as 6 month loans or you can choose to pay your loan off a longer period of time, to 36 months. While you can personalise to period to fit your needs, it’s important to know that the chosen period effects the interest rates on your chosen amount.