School’s out. Which means it’s time to start thinking about getting them kitted out for September.

If you’ve got kids, getting them ready for the new school year can be expensive. If you’re planning a holiday as well, you’re likely to be feeling the pinch by the time September comes around.

When it comes to school uniform, it can be a minefield. There are all sorts of rules about what you can buy, and from which shops. We all want to do what we can to make sure they get off to the best possible start. It’s no fun worrying about whether they will get into trouble for having the wrong stuff.

Of course, its not only the uniform. Having a school-aged child can feel like a never-ending shopping list. There’s sports gear, equipment, after-school clubs, trips, calculators and even musical instruments.

And with the average cost per child coming in at £185, none of this is cheap. There’s evidence of many parents getting into problems trying to pay for it all.

So if all this sounds like a stretch, what are your options?

Unless you need a larger amount, you’re unlikely to want the delay of a long term loan, or the hassle of a credit card. Because of that, many of us turn to short term loans. They offer the flexibility of borrowing only what you need. Applications are usually straightforward too, with funds in your account within 24 hours.

But these types of loans come with a catch, with interest rates in the thousands of percent. If you’re not careful, you’ll be paying it off for months to come.


That’s where we can help. With our CUOK! short-term loans, members can borrow up to £400. Interest is set at a modest 3% per month (42.6% APR). That means if you borrow £150 over 3 months, your repayment will be £56.70 per month.

Borrow up to £400

Get a low-cost CUOK! short-term loan

Spreading the repayments over three months gives you the time to find the best deals. Everyone goes back in September with what they need, and you can rest easy knowing that you’ve split it into a single manageable monthly payment.

Our tip? Keep the payments going once you’ve paid the the loan off. You’ll have a handy little amount saved to get you ahead of things come Christmas.