Although the money got processed quickly and put into my bank within a couple of hours, the interest is extortionate and you should be offered the option during anytime of the loan to settle for an appropriate amount of interest. I asked about cancelling during the 2 weeks cooling off period but knew I wouldn't have the money plus whatever interest they were going to charge. I wasn't given a figure for settling the loan early as i could only have the settlement figure if I agreed to cancel the loan and once I had asked for the figure I had no choice but to settle the loan. Which is a bit difficult when you don't know what the settlement figure is to cancel it during the cooling off period. Also I think you should have an option to settle a month or two after if needed for a fraction of the interest charged as I believe it's exploiting people who are trying to build their credit.