Managing High Credit Card Interest Rates
John & Christine were juggling a debt of £50k across multiple credit cards with total monthly repayments of £2,600. The Challenge Our case study of
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MOTOR & ASSET FINANCE
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Whether it’s the car you’ve always dreamed of, a boat, or new plant equipment & machinery to take your business to the next level, Smart Money offers you the best in Motor & Asset Finance.
We are a privately-owned company in the Channel Islands, and we pride ourselves on having an independent perspective that benefits our clients when it comes to achieving their ambitious goals. Whether you are purchasing a car or investing in new equipment, we have the solutions to help your assets grow.
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SMART LOANS
Are you buying your dream car, a small commuter or both? We can help with a fast asset finance application for any circumstance.
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Whether you’re into touring bikes, choppers or superbikes, we can provide you with motorbike finance that will complement your passion.
Our quality marine finance will help you board the vessel you’ve always dreamed of. Whether it’s commercial or recreational, we’ve got you covered.
Take to the skies with our easy-to-access aviation finance. From luxury private jets to piston-powered workhorses, we have the solutions that will work for you.
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We provide convenient financing to help passionate gardeners and gardening businesses to get hold of essential equipment.
Are you looking to expand your manufacturing business or to replace a strategic piece of equipment? We can help.
REPRESENTATIVE EXAMPLE
For example, if you were to borrow £5,000.00 over 60 months at 6.5% per annum (fixed)* (representative 13.3% APR), the total amount repayable would be £6,757.80, of which £1,757.80 is interest. This also includes a documentation fee of £100.
*The interest rate offered, and documentation fee charged on assessment may differ and the representative rate in this example may not be the rate that you receive. The rate you are offered will depend on several factors including the amount you wish to borrow, your chosen term, your personal circumstances, and your credit rating. The maximum APR you could be offered is 29.9%.
MINIMUM & MAXIMUM LOAN AMOUNTS
- Minimum loan amount is £2,000. Maximum loan amount unsecured is £100,000 (higher if secured).
MINIMUM & MAXIMUM REPAYMENT TERMS
- Minimum repayment term is 18 months. Maximum repayment term for unsecured lending is 60 months.
- Maximum repayment term for secured lending is 84 months.
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One Monthly Loan Repayment Option
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Consolidating Your Credit Card Debt
Sophie owed £10,000 on credit cards and was paying out over £500 per month and only really paying the costly interest charges. The Challenge Sophie
Easy Monthly Debt Repayment Solution
Steve was paying £248 a month on 4 credit cards totalling £5,000, and just covering the minimum repayment. The Challenge Steve was paying £248 a
Smart Debt Consolidation Loan
Mr & Mrs Smith were juggling a debt of £50k across multiple credit cards with a monthly repayment of £2,600. The Challenge Mr & Mrs
Manage Your Finances & Debt Better
John wanted to clear his 4 credit cards, totaling £5,000 and he was just covering the minimum repayment each month. The Challenge John was paying
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