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1. All credit is subject to status and available to UK residents over 18, with a UK bank account and valid driver’s license, passport or identity card. Credit duration is variable, and you could be offered a rate of 9.9% APR, based on your financial circumstances and what you tell us. Minimum upfront payment of 10% is required and fixed monthly repayments. By accepting our credit offer, you consent to a credit check being completed, which will appear on your credit file.