Ampla Finance is now, Untangled. Explore our new website. 
Simple Interest Explained
How we charge interest:

At Untangled interest is calculated using a ‘Simple interest’ method.

This means interest is charged only on the amount borrowed, rather than on previously accrued interest.

This calculation is different to ‘Compound interest’ which means interest can also be charged on the accumulated interest over time. Compound interest is common in the market, it rewards complexity, not clarity.

We don’t believe that’s right for your clients. We’ve made it straightforward for you to understand what you’re paying back.

Key benefits of simple interest:

• Simpler costs over time. No compounding means no snowball effect. Their interest stays steady. Predictable.

• Clarity from day one. Simple interest means no surprises. No build-up.

• Your clients are only charged for what they use. If you don’t drawdown the funds, they don’t pay for them. If they repay early, the interest stops right there.

• A smoother financial path. Simple interest gives your clients more control. More certainty. 

 

  Untangled (Simple interest)  Competitors (Compound Interest) 
How interest works On your outstanding balance only  On balance and previous interest
Interest on accumulated interest? No Yes
Transparency  Rewards clarity  Rewards complexity
Interest visibility Fully predictable  Less predictable
Risk of misunderstanding Low Higher chance if not explained

 



Ampla Consumer Finance (trading as Untangled). Loans are a form of borrowing and interest is charged on the amount borrowed. The interest rate offered will depend on your individual circumstances. The total amount repayable will depend on the amount borrowed, the interest rate and the length of the loan. All lending is subject to eligibility, creditworthiness and affordability assessments.

Excellent
*Untangled was formerly known as Ampla Finance.

Seamless process from start to finish

Seamless process from start to finish. Could not fault the service. Without access to funding to support her legal fees, our client could not have afforded representation. It helped her to achieve an outcome that now leaves her financially comfortable and cushioned for the rest of her life.

Townsend Family Law, 21 July 2026

One of the best companies I’d recommend…

One of the best companies I have had the pleasure of working with in such a long time. They are extremely efficient, proactive and extremely professional.My personal case was handled by Vicki Vroome who has shown the utmost respect, been extremely helpful, and provided exceptional service.I would thoroughly recommend Ampla Finance to anyone who appreciates professionalism and outstanding customer service.

Teriese, 8 June 2026

FANTASTIC SERVICE

William Dorey, Becky Dixon and Kish Kerai have provided a seamless process for a not so straight forward deal. Their communication has been top tier and I look forward to working with them again soon!All incredibly knowledgeable and responsive throughout.

Chloe, 16 Feb 2026

Ampla finance a lifeline in the fight of my life

Ampla finance are and continue to be a huge lifeline to myself to be able to divorce my narcissistic abuse husband of over a decade, without the extra worry and anxiety of dealing with how I fund my divorce. It is a service that I am sure not many women and men in my position know about. If you know you have a reasonable amount of marital assists please consider asking solicitor about a litigation loan as it’s the best way to help you fight the fight of your life to be able to live your life in peace and financially secure. It’s a short term debt to a long term gain for your future. This company have been very professional and very much empathetic with my breakdown of my marriage. And would like to thanks them.

Jemma, 11 Nov 2025

More Blog Stories

life doesn't
happen neatly.

Our loans help keep you steady when everything else feels shaky. We fund quickly, clearly, and without judgement.

Start your application