Transcript: Two page advert, 'Wonga: Credit for the real world' (published in The Daily Telegraph, 19th May 2015)

Page 11 You lend to anyone 2 regardless of their3 situation, don't you?4 We don't. In fact we only 5 lend to people who we 6 believe can afford it.7 It's a popular perception that we lend to just anyone. We don't.8 In the real world we understand that giving credit is not always9 the right answer. Since introducing tougher new lending criteria10 we now turn down more than eight out of ten new applicants.12 Representative 1509% APR13 Wonga14 Credit for the real world15 Warning: Late repayment can cause you serious money problems. For help, got to moneyadviceservice.org.ukPage 215 You keep charges16 hidden, don't you?17 We don't. In fact 18 all costs are now19 shown upfront.20 It's a popular perception that we make money from all sorts of21 hidden charges. We don't. In the real world we understand people22 want to borrow from a responsible company who'll be honest with23 them about the total cost of a loan. That's why we now show all our24 costs upfront, including the costs if things go wrong.25 Representative 1509% APR26 Wonga27 Credit for the real world28 Warning: Late repayment can cause you serious money problems. For help, got to moneyadviceservice.org.uk