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What should I do when an offer has an expiry date?
Locate what expires: a rate, a quote or the ability to accept particular terms.
The deadline does not replace the need to understand conditions and verify the provider.
Ask whether an updated quote is available if more time is needed. Avoid treating a countdown as a reason to submit inaccurate information or accept clauses that remain unexplained.
Prepare a question about a loan charge
Collect the date, amount and contractual wording, then follow the provider's relevant enquiry process.
Definitions
- Total repayable
- Sum payable under the stated schedule and its assumptions; contingent charges and changes must be considered separately.
- Amount received
- Money actually made available to the borrower, which can differ from the stated loan amount if a charge is deducted.