I’ve reviewed recently what Carboom is offering and there was something striking on https://carboom.co.uk about their transparency. They advertise rates starting at 9.9 percent APR though the representative APR is 19.9 percent. A worked example lays it out plain: borrow ten thousand pounds over five years with a zero deposit the cost of credit tallies at 5,329 pounds and the total amount repayable stands at 15,329 pounds. That level of detail is rare among brokers and invites trust. It reads less like marketing and more like proper, clear-eyed disclosure of what the numbers actually mean for someone with a shaky credit history.