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

List of 3 Month Loan Lenders by Price

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Following on from the Payday Lender List, we’ll today move across to the instalment side of things. This will begin with a full list of the UK’s direct 3 month loan lenders by price and then in the follow up submission we’ll extend to 6 (See here). Unlike with payday firms, you aren’t likely to find price matching here. This is due to most instalment loan providers already charging less than the 0.8% daily interest cap. In general, the big names tend to charge just over 0.5% daily, but there are better deals available as you’ll see below. There is lots of choice when opting for this term with a current total of 40 brands listed.

Shown:
Daily interest to 3 dp (+full charge per £300 borrowed).
Brand name (+launch year) | (7/7) = Open 7/7, (ret: 7/7) = 7 day funding available to existing customers, (F) = Longer term available.
Supporting notes then follow for such things as promo codes being included. Hypothetical implies that £300 is not available over the 3 month term. Calculations are made for different amounts in such instances.

Related: Summary of Top 10

List of 3 Month Loan Lenders by Price /£300…

0.180% (£48.60)…
Drafty (2016) (7/7) (F)

0.282% (£76.14)…
Quick Loan Shop (2012) (F) (*hypothetical)

0.291% (£78.70)…
Credio (2014) (F) (*hypothetical. Dormant)

0.300% (£81)…
The Money Platform (2016) (*hypothetical. Must be 20+)

0.407% (£109.94)…
Kabayan Finance (2010) (F)

0.411% (£110.97)…
The Money Shop (1996) (ret: 7/7) (F)

0.428% (£115.59)…
Pogo Loans (2015)

0.479% to 0.529% (£129.26 to £142.80)…
Satsuma Loans (2013) (F) (*monthly or weekly repayments)

0.481% (£129.78)…
Oakam (2007) (F)

0.484% to 0.501% (£130.79 to £135.30)…
Money Boat (2014) (F) (*review discount) (price to be updated soon)

0.498% (£134.40)…
H&T Finance (2015) (F)

0.510% (£137.58)…
MPP Money (2013)

0.511% to 0.571% (£137.99 to £154.24)…
Sunny (2004/2013) (7/7) (F) (*promo. Early settlement)

0.518% (£139.98)…
Payday Express (1999) (ret: 7/7) (F)
PaydayUK (2003) (ret: 7/7) (F)

0.530% (£143.20)…
Mr Lender (2009) (7/7) (F)

0.534% (£144.07)…
MyJar (2009/2013) (7/7) (F)

0.539% (£145.51)…
Uncle Buck (2004) (ret: 7/7)

0.544% (£146.84)…
CashFloat (2014) (F)

0.552% (£149.15)…
SkyQuid (2014) (F)

0.555% (£149.86)…
Peachy (2011) (F)

0.556% (£150)…
Smart Pig (2012) (7/7) (F) (*students only)

0.567% (£153)…
Cash4UNow (2011) (F)

0.571% (£154.23)…
Cash Asap (2012) (7/7)

0.571% (£154.24)…
Pixie Loans (2014)

0.571% (£154.26)…
Ferratum (2010) (ret: 7/7) (F)

0.572% (£154.37)…
Quid Market (2009) (F)

0.574% (£155)…
Pounds Till Payday (2006) (F)
Swift Sterling (2010) (F)
WizzCash (2012)

0.574% (£155.01)…
PiggyBank (2012) (F)

0.575% (£155.38)…
True Blue Loans (2013) (F)

0.578% (£155.97)…
Wonga (2007) (7/7)

0.581% (£157)…
Tick Tock Loans (2014) (F)

0.633% (£171)…
Care Finance and Loans (2010) (*hypothetical)

0.679% (£183.34)…
Response Funding (2009/2016) (*hypothetical)

0.681% (£183.93)…
THL Direct (2008) (*hypothetical)

0.760% to 0.800% (£205.20 to £216)…
QuickQuid (2007) (7/7) (*promo)

0.782% (£211.20)…
WageDayAdvance (2004) (7/7) (F)

0.800% (£216)…
SafetyNet Credit (2012) (F) (ret: 7/7)

Last Updated: March 2017.