Balance transfer and 0% purchase cards offer an interest-free period when you first open the account, this will be called an offer duration.

There may be terms you need to stick to in order to keep your interest-free offer, such as making your minimum monthly payment on time and staying within your credit limit.

Once the offer duration ends, the card will switch to standard rates, so make sure you’re happy with these before you apply.

For loans, a guaranteed term is the loan repayment period. With TotallySure offers, the loan term shown is what you'll get.