H&T Cash Loan

1616 reviews

205.3% Representative

Will lend between: £50 - £5,000

Over: 3 - 36 Months

Representative example: Borrow £500 for 9 months. Total amount payable: £773.55 in nine Instalments of £85.95. Total charge for credit: £273.55 (Interest Only). Interest rate 72.9% pa(fixed) Representative 205.3 %APR.

Are you eligible for H&T Cash Loan?

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  • Quick 40 second form.
  • No impact on your credit file.
  • Free personalised eligibility score.
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H&T Cash Loan customer reviews.

1616 reviews

4.8 out of 5 stars


  • Receive the loan in cash in one of H&T's stores
  • You can extend the loan term to lessen monthly repayments
  • Repayments can be paid weekly, fortnightly, monthly or four-weekly
  • You can settle the loan early

Minimum criteria

  • You will have to visit one of H&T's 181 stores in England & Scotland to complete the application
  • You must be aged 18 or over
  • You need to be a UK resident
  • You must have a regular income of at least £750 per month
  • You must have a bank account that accepts Direct Debits and faster payments


  • Maximum APR 1290.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

H&T Cash Loan Customer Question & Answers

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About H&T Cash Loan

H&T offer cash loans from £50 to £5,000 that can be repaid over a term between 3 and 36 months at an advertised representative 205.3% APR. Applications are made for this product in one of their branches. When applying in branch the contract is signed in store and H&T will provide the loan in cash on the spot.

For H&T loan applications completed in store, customers will need to bring formal identification and the originals of a full bank statement from within the last month, most recent payslip, utility bill and photographic ID.

Successful applicants can choose the frequency of their monthly repayments to coincide with paydays or to make the loan more affordable – this can be weekly, fortnightly, monthly or four-weekly. Customers can also extend their H&T loan term which will lower monthly instalments. There is also no charge for making additional payments or settling the loan early.

Company information

Registration number: 02636684


01476 574998

Times House, Throwley Way, Sutton, Surrey SM1 4AF

FCA registration

Reference No: 677994

Place of business: Times House Throwley Way Sutton Surrey SM1 4AF

Data protection registration

Registration No: Z5870831

Data controller: FCA

Address: Times House Throwley Way Sutton Surrey SM1 4AF

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