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Representative Example: Representative 1286.98% APR on a loan of ÂŁ300.00 with 5 monthly repayments of ÂŁ101.03 Total amount repayable ÂŁ505.13 Annual interest rate (fixed) 290% Q: To apply for quick student loans with bad credit, where should I search for FAFSA forms? I donât have a bank account, but I donât want to walk out with a loan all in cash.