Payday Loan

Without the Fees!

Payday Loan with No Upfront Fees, Late Fees, Late Interest, or Default Fees.

The only cost is daily interest of 0.8% on the amount you borrow

apr rate

Choose your loan amount

*First time borrowing limited to £125


How it works

1. Apply

Complete our online application form to see if you meet our initial criteria for quick cash. If you do, our underwriters will personally assess your application for credit to see how we can help.


2. Get Same Day Funding

After speaking with a qualified candidate, we offer same day funding. Unlike other lenders, we do not have to wait for a third-party transfer. Funds are paid directly from us and will appear as “THL Direct” into your bank account.

3. Flexible Repayment

We practice responsible lending and in turn operate a flexible payment structure. Your payday loan payments can be paid weekly or monthly to suit your situation Contact us to learn more




“Easy quick service very helpful and friendly would recommend to anybody”

Bryn Jarvis

“They have been very good very open very happy how i was spoken to so polite it make a change to talk to a company like this. I would recomend this company all day long Thank you very much”

Courtney Mccaulsky

“Always done with a minimum of fuss and the staff are always polite. Would highly recommend!”

Ross Lewis

“Very quick and easy happy days .”

John Martindale

“My re-loan application was handled swiftly in my time of need as my boiler had broken. Couldn't have asked for better or expedient service. Thanks”

Matthew Wheatley

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Why choose

a payday loan instalment direct lender like THL Direct?
Settle at Any Time

Being a responsible lender we allow you to settle at any time without any penalties. If approved, your payday loan will be set up for payment over multiple months but you can contact us at any time for a settlement balance. This allows you to only pay for the time you borrow.

Fast Easy
Fast Easy Acceptance

As a direct lender, we can help a variety of people in many different circumstances. Our underwriters personally assess each application for credit to see if we can help and if you meet our initial criteria

Compare THL Direct

We are fully licensed authorised by the FCA as a payday loan instalment direct lender. Our payday instalment loans are set up for payments spread across multiple paydays. Compare us to others! You can find a loan comparison site here.

Three month
Three Month Loans

We don’t offer a 1-month payday loan but as a direct lender, we have a similar alternative. Our 3-month instalment loan provides better flexibility for repayments and allows you to settle at any time only paying for the time you borrowed.

Paid Weekly?

We understand that not everyone has a monthly payday or finds a big monthly payment easy to budget. To help with this we give you the choice of repaying your loan weekly or monthly. This allows you to only pay for the time you borrow.

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REPRESENTATIVE EXAMPLE: £200 loan taken out over 3 Months (83 days). Annual rate of interest 292% fixed. Cost of credit £113.08. Monthly Payments: £104.36, £104.36 and £104.36. Total amount payable: £313.08

Ready to Get Your Money?