Top 10 Lists + Full Lender Lists (Linked in Brackets)

ins/pers

Fair Finance Loans @ www.fairfinance.org.uk

Fair Finance Loans
About:
Fair Finance delivered the cheapest 6 month loans in our top 10 countdown. They came in just ahead of Drafty. Each of these companies were the only lenders to charge less than £100 for a £300 sum that highlights the great value. The main drawback of this service is that loan agreements must be signed in one of their offices in London. They have 5 of these including Dalston, East Ham, Elephant and Castle, Limehouse and Thamesmead. This social business was formed in 2005. This brand of East End Fair Finance Ltd is found at www.fairfinance.org.uk or through retail. The Fair Finance personal loans are available between 6 and 18 months payable in monthly or weekly repayments.

Read more...

Savvy Loans @ www.savvy.co.uk

Savvy Loans
About:
Savvy is the lending arm of Valour Group (UK) Plc. This was actually a rebrand rolled out in 2014. Before this name they used Lightning Loans and had even used Valour before Lightning. It has been tricky to pinpoint original launch dates. We’ll aim to get confirmation on this. The Savvy loans did include a 12 month term and then select customers were offered a shorter 6 month period. They have recently adapted to headline a much wider range of 6 to 24 months. There are a number of term restrictions though that you’ll find out when using their calculator. This will depend on which amount is selected between £200 and £3000.

Read more...

Square Today Loans @ www.squaretoday.co.uk

Square Today Loans
About:
Square Today arises from Cheque Centres Ltd that is part of CNG Financial Corp. This is the online equivalent of Cheque Centre who operate through 53 stores across the UK. CNG also operates through the Cash Generator chain and SuperCredit in Poland. Their main company is however Check ‘n Go over in America that has a vast chain of over 1000 stores. The launch of www.squaretoday.co.uk came in 2015 and so this is still a relatively fresh project. There are 2 packaged products that includes an instalment and a personal loan offering. The first choice sees between £200 and £850 across 5 to 9 months. The larger option is £1000 to £5000 over 1 to 3 years.

Read more...

H&T Finance Loans @ www.handt.co.uk

H&T Finance Loans
About:
The H&T Finance loans were launched in 2015 by the market leading pawnbroker H&T (Harvey & Thompson). Their roots head all the way back to the year 1897 making them also the oldest firm in the pawnbroking game. The product on offer here is a highly flexible one with repayments starting from just 3 months. This extends all the way up to 24 months. The set amount of funding for all customers is £50 up to £1000. This product is available online through www.handt.co.uk and also across their vast retail network of 190 stores. For those looking to apply in person, you’ll need to take in with you some ID, a bank statement and a payslip.

Read more...

Oakam Loans @ www.oakam.com

Oakam Loans
About:
Oakam has been active since the year 2007. They operate on the web from www.oakam.com and also trade from a chain of stores mostly scattered across London with some coverage in the Midlands. There was 22 branches in total (now 19). The Oakam loans are available in 2 forms. The main smaller offering grants new and existing customers between £200 and £1750 across 3 to 12 months. There are however term restrictions depending on how much you wish to borrow. The extended product (called Lift) sees £2000 to £5000 this time between 1 and 3 years. To run through pricing, a £300 sum at 3 months would cost £129.78 whilst for 6 you’d be looking at £263.16.

Read more...

The Money Shop Loans @ www.themoneyshop.com

The Money Shop Loans
About:
The Money Shop is the market leading high street lender originally formed in 1996. TMS today operates through the subsidiary of Instant Cash Loans Ltd that is a division of DFC Global Corp who acquired the firm in 1999. You may be familiar with other popular projects they took on including PaydayUK and Payday Express. This company has had a troubled time on the high street in recent years. At their height they had 550 stores in total. The network as it stands has however been chopped down to around 230. It was only in 2015 when direct lending got under way at www.themoneyshop.com. The route before this was to redirect users on to Express/PDUK.

Read more...

MyJar Loans @ www.myjar.com

MyJar Loans
About:
MyJar is the 2013 relaunch of TxtLoan that started out in 2009. Over their history they have issued more than 2 million loans. The service available through www.myjar.com has changed considerably over the years. On a recent check-up the option was there to select short terms (days) and the loan cap was £1000 for new customers and £2500 when returning. They have now made changes to offer 3, 6 or 12 month options. 3 is attached to £100/£900, 6 is £150/£1800 and 12 is £250/£3600. Daily interest at each level reduces as 0.75%, 0.65% and 0.35%. Credit scores determine which jars you can access and funding levels although the option is there to apply for either choice.

Read more...

Pounds to Pocket Loans @ www.poundstopocket.co.uk

Pounds to Pocket Loans
About:
Pounds to Pocket became a hit success soon after they launched at www.poundstopocket.co.uk back in 2010. They had started out offering quick same day 12 month loans for bad credit that were available 24/7. This was a huge step forward at the time, with there being very few subprime personal loan options on the market. Those that were active tended to impose delays of a few days before funds could be received. The rapid surge of this lender was boosted by heavy investment in TV advertising that hasn’t stopped. The original owner (Cash America International Inc) had already proven their credentials locally with the QuickQuid brand. Recently, Enova International Inc was spun off from Cash America.

Read more...

Sunny Loans @ www.sunny.co.uk

Sunny Loans
About:
The Sunny loans brand was unveiled back in 2013. This was a rebrand of 1 Month Loan that was formed in 2004. The original firm was launched by Fortress Group (UK) Ltd who were sold on to Think Finance Inc who have since changed their name to Elevate Credit Inc. Elevate operates in the United States as Elastic and Rise. Whilst www.sunny.co.uk is now the sole trading brand in the UK, they did also previously trade as Quid that was active at www.quid.co.uk. Whilst that site has remained live, once you reach the application stage they inform visitors that they are no longer operational and to head over to this company.

Read more...

Satsuma Loans @ www.satsumaloans.co.uk

Satsuma Loans
About:
Satsuma Loans was unveiled at www.satsumaloans.co.uk in 2013. This brand is controlled by Provident Financial Plc who also run GLO (guarantor), Moneybarn (finance), Provident (doorstep) and Vanquis (credit cards). Satsuma has become increasingly popular in their short time active through TV ad campaigning. In the previous company accounts their user base was reported as 49,000 customers. This is quite a small portion considering that 2.4 million are served across the entire group. A first time loan is available here between £100 and £1000. Customers who build trust have the chance to receive as much as £2000 in time. Flexible terms are offered from 13 to 52 weeks paying weekly or 3 to 12 months paying monthly.

Read more...

Trending (Lenders)…

Trending (Brokers):