Even compared to now defunct Sunny Loans or Wonga, Satsuma's interest rates are eye watering. Expect to pay back at least double the amount borrowed. If at time of application any of your details aren't entirely correct, correcting them is a nightmare as their app is next to uselesa, as is their site and by telephone they're pretty much unreachable (though that could be a COVID thing). As a result, an expiring debit card isn't a minor inconvenience but will destroy your credit score. Any late payment will be reflected almost immediately. All in all, a terrible company that makes you wonder why this lot survived when much better alternatives did not.