Surprisingly few start-up companies survive 25 years and still fewer thrive. Through two and half decades of adversity and triumph, Premium Credit endured as a company of characters, myth, loyalty and sheer dogged determination to succeed in the highly competitive arena of financial services. In celebration of their anniversary Premium Credit looks back over the last 25 years with a lively account of its history, populated by stories and memories of employees and clients, and looks forward to the challenges and opportunities ahead.