Cardeo Credit does not charge you any fees, with one exception.
There are no setup fees, no transfer fees, no management or admin fees.
Nor is there an early repayment penalty. Just as with your credit cards, you can overpay Cardeo Credit freely, and clear your balance in full as soon as you like.
Missed payment fee
The one fee we have to charge by law is a missed payment fee. Each time you miss or are late with a repayment, you will be charged £12.