Secured loans- Rates from 5.1% APR Variable. We also have a range of plans with rates up to 32.9% allowing us to help customers with a range of credit problems. Typical 10.5% APR variable. Representative example: If you borrow £10,000 over 10 years at an annual interest rate of 6.5% (variable) you would make 120 payments of £131.66 per month. The total amount repayable will be £15,894.20 (This includes a lender fee of £595 and a broker fee of £1000 which have been added to the loan). Total charge for credit will be £4299.20 Overall cost for comparison is 10.5% APRC representative.