You signed the agreement, the money reached your account, and now you are having second thoughts. As of 15 September 2026, you have a way out: a three-business-day cooling-off period that lets you cancel an unsecured loan from a licensed moneylender without paying any interest. Knowing the right exists is not the same as knowing what to do with it. This page walks through the steps, in order, and what to have ready at each one. The four steps at