Financial products

What a bank or an insurer is actually selling you, and the mechanics running underneath the name printed on the contract.

Guide · Start here Buy now pay later: the two costs that are not on the contract Interest-free is the headline and it is accurate. It is also not the same claim as cost-free, and the difference is in two things the checkout screen does not show you. Guide · Updated 7 August 2026 Read the working Read the working

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What will this instalment plan really cost? 3,600 2,000 down and 900 a month for 24 months comes to 23,600, which is 3,600 above the cash price of 20,000 and costs the same as borrowing it at 18.16% a year. Open the tool What rate is this murabaha really charging? 9.24% 100,000 paid over 4 years comes to 120,000, or 2,500 a month, which costs the same as a loan at 9.24% a year. Open the tool How long until this is paid off? 24 months At 1,500 a month a balance of 30,000 clears in 24 months, having paid 35,935, of which 5,935 is what the credit cost. Open the tool

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Comparison Current account, savings account or certificate: where your money actually sits