£12.50 for £50 loan over about 2 weeks - maybe the APR would work out at a lot over a year but for 2 weeks it seems fair enough to me - they are a company and need to make a profit after all. As it is it is really helpful and the cash is in the bank within 10 minutes, more like five. As long as you know you will have the cash to pay back then I say go for it.
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