Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

Instalment Loan Direct Lender

We're a direct lender, no fees!

As a responsible payday loan direct lender we don't charge any fees at all. The only cost is daily interest of 0.8% on the amount you borrow. This means no upfront fees, late fees, late interest or default fees. If approved you will only pay for the time you borrow!

Size of loan you need?

Borrow between £200 - £500*


When are your paydays?

Date of next payday?


* First time borrowing limited to £200.

After a 1 month payday loan?

We don't offer a 1 month payday loan but as a direct lender we have a similar alternative. Our 3 month instalment loans provide better flexibility for repayments and allows you to settle at any time, only paying for the time you borrow. If your application is successful and you want to settle early, even only after a month, simply contact us at any point for a settlement balance without penalties.

Why THL Direct?

We are fully licensed by the FCA as a payday loan direct lender. Our payday loans are set up for payments spread across multiple paydays.

Can I pay my loan weekly?

Yes you can! As a direct lender 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. Regardless of your choice you'll only pay for the time your borrow.

Do you allow settlements?

Being a responsible lender we allow you to settle at any time without any penalties. If approved, your 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.

Will I get accepted?

As a direct lender we can help a variety of people in many different circumstances. Complete our online application form to see if you meet our initial criteria. If you do, our underwriters will personally assess each application for credit to see if we can help.

Representative Rate 1306.21 %APR

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

If your application is declined with us and, with your permission, is sent to another lender/broker then this may vary.

We expect you to repay your loan on the dates agreed. If you do not think you are in a position to make your repayments, please do not apply with us in the first place. It is not worth risking your credit rating for such a small amount.