Montrosa follows a board-approved interest rate model. Rates are based on the cost of funds, operating costs, credit risk, and a reasonable margin.
What affects your rate
- Product type and loan amount
- Credit history and bureau score
- Income stability and existing obligations
- Tenure and repayment cycle (Everyday or Weekly)
Disclosure
The annualised rate, total interest, processing fee, and all-in cost are shown in the Key Fact Statement and sanction letter before you accept. Interest is calculated on a reducing balance.
Rates are reviewed periodically. Changes apply to new loans and are published on the Rates page.