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Our pricing structure is simple and transparent:

In order to put the loan in place we shall charge an arrangement fee of the higher of £500 or 1% of the loan facility amount. This fee is not payable upfront, but instead is added to the loan amount to be paid after the settlement. No interest accrues on the arrangement fee.

Once the loan is active, we shall charge interest at a fixed rate throughout the term of the loan. The interest rate will depend on whether there is security available for the loan, and (if applicable) the level of that security. In most cases the loan will be unsecured and thus attract our standard unsecured interest rate.

Our interest rates are:

Standard unsecured rate:    2% per month or 24% per year fixed rate (24.8% APR representative*)
Partly secured rate:             1.5% per month or 18% per year fixed rate (18.9% APR representative)
Fully secured rate:               1.25% per month or 15% per year fixed rate (15.9% APR representative)
* Representative Example
Total amount of credit: £150,000                    Annual rate of interest: 24% (fixed)
Arrangement fee: £1,500                               Duration of the agreement: 18 months
Representative APR: 24.8%                          Total amount payable: £187,100
Paid in a single payment after settlement

We do not levy any exit fees or early repayment charges. The loan, together with the accrued interest and arrangement fee, is repayable at any time without penalty.

You will be required to take independent legal advice prior to taking out the loan, which should cost no more than £250. We are unable to provide you with this amount as part of the loan, as this advice must be independent.

Schneider Financial Solutions Limited is incorporated in England and Wales with company number 8668384.

The registered office address is The Penthouse, Salisbury House, 29 Finsbury Circus, London EC2M 7AQ.

Schneider Financial Solutions Limited is authorised and regulated by the Financial Conduct Authority (FRN 724278).