Loan interest rates are personal to you and are fixed at the time we make an offer. Interest is calculated daily and then repaid each month as part of your monthly repayments. A representative APR is displayed before you apply and this is just an indication of the interest rate that most people who apply for a loan will get. The actual interest rate you get may be higher or lower than the representative one.
You can find some additional information about our loans and the loan interest calculator here: https://www.kroo.com/personal-loans.