Will lend between: £50 - £1,000
Over: 1 - 24 Months
The quickest way to find the best loan.
Compare UK direct lenders that have accepted you.
- Fill in one quick and simple form.
- Loans for all purposes.
- Bad credit history accepted.
Representative 49.9% APR.
H&T customer reviews.
4.3 out of 5 stars
Cheap rates each month and cash within an hour
This company helped me when I needed it, so helpful and friendly
The staff were fantastic, made drinks and conversation while we waited for necessary things to be done, will be recommending to friends!
This company got me out of a tight situation when I needed it most can't thank the branch manager enough for a great quick and friendly experience would highly recommend to anyone it the same situation
I was struggling to pay some bills but thankfully H&T Pawnbrokers helped me when I needed it most
Amazing service every time helpful and courteous staff!
H&T in Middlesbrough was very good service lovely ladies who made me feel comfortable helped a lot and also very friendly
Always easy to converse with and helpful
Just called this company a few minutes ago and spoke to the most rudest person ever. The sarcasm was just very unprofessional. I am truly disappointed with this company.
First time broker with client looking to capital raise £40,000 but who had past payment problems. Unable to choose a remortgage route because of the past history, They were able to complete the deal quickly and the broker was delighted with the level of service.
Our review of H&T
H&T offer their high-cost short-term loans at a competitive rate which can repaid over a period of up to two years. H&T offer customers flexibility in regards to their loan repayments with the option to make additional payments or settle the balance early, both without a charge . H&T also let their customers choose the frequency of their repayment date - weekly, fortnightly, monthly or four-weekly. The additional payments can be made either by phoning their telephone team, or by logging into the H&T customer portal where they can also view their balance.
There are no fees for H&T, including for late payment, however by missing a payment you will still incur extra interest charges and can harm your credit file. If you’re thinking about taking out a loan then do make sure that you can afford the repayments, otherwise you could end up falling into debt and damaging your credit file.
Overall verdict: H&T appear to offer a competitive loan product that customers have quite a high degree of control over due to its flexibility. From online reviews it also seems that their staff are more than willing to help their customers and provide a friendly service. Worth looking into if you are searching for a high-cost short-term loan, just be positive you can afford the repayments before you apply.
- Apply online or in one of their branches
- 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
- Manage the loan online
- 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 883.6%
- Arrangement fee: £0
- Early repayment fee: £0
- Late payment fee: £0
H&T Customer Question & Answers
H&T offer high-cost short-term loans from £50 to £1,000 that can be repaid over a term between 3 and 24 months at an advertised representative 446.9% APR. Applications are made either in one of their branches or online and there may be a follow-up call to go through some of the details afterwards. If the customer is approved they will be sent the information and can electronically sign the agreement. If applying in a branch then once the contract is signed H&T will provide the 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.
Registration number: 02636684
Times House, Throwley Way, Sutton, Surrey SM1 4AF
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 4AFApply Now