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To be fair, Oakam's cashback feature does encourage borrowers to make repayments on time.
Over $7 billion in repayments on its financial debt come due in October.
Payment protection policies similarly promised to cover the repayments on a loan or credit card bill.
Repayments on the Sainsbury's loan work out at £691 a month over five years.
However, repayments on credit cards outstripped borrowing as consumers paid back £7.4bn.
Repayments on credit cards outstripped spending in November, as cardholders paid back £5.9bn and borrowed £5.8bn on plastic.
The pair's monthly costs come to £655, with £435 for the mortgage repayments on top of £220 rent.
With higher mortgage repayments on the cards, homeowners are likely to be less inclined to splash out.
Seven months later, the World Bank guaranteed $400m of repayments on a £1bn bond sold to private investors.
Credit-card providers If you're sure you can make repayments on time, some credit-card providers will lend to you at a high APR.
Based on August 2013 trends - the latest available figures - the UK's total interest repayments on personal debt over a 12-month period would have been £59.8bn.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com