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Football fans warned on season ticket loan rates

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Up to a third of football fans rely on loans to buy season tickets, but rates vary from 0% to 36.3%, depending on the club you support, finds new research.

Heavy admin fees of up to £40 are also commonplace. Credit report provider  analysed the charges on season ticket loans for the 2018/19 season across the top four tiers in English football. The average Premier League clubs was 12.71%. Some of the largest and wealthiest clubs – including Arsenal, Liverpool and Manchester United – charge the most in administration fees, ranging from £29 to £40.

Fulham charges the highest interest in the Premier League, with fans paying 21.5% including a £30 admin fee to pay-off their season ticket over nine months. However, the highest charges came outside the premiership: Preston North End tops this particular table, charging 36.30%. Bradford City were top of League One when it comes to high APR, at 28.50%. Mansfield Town (22.70% APR), Newport County (22.70% APR) and Notts County (22.70% APR) are joint top (for interest charges) in League Two.

Increasingly, supporters say they are feeling disillusioned with the cost of football. Noddle’s research found that 52% of supporters say they’ve been priced out of attending football matches. Three-quarters (74%) believe the cost of a season ticket is ridiculous and half (50%) believe these loans should be banned all together.

Jacqueline Dewey, managing director at, said:“It’s clear – fans should shop around before taking the offer from their club’s finance provider as the rates vary so widely. Using a loan eligibility checker will quickly tell you whether the rate on your season ticket loan is right for you, or not.”

Noddle’s top tips for being a financially-savvy football supporter: 

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