H&T Finance Short Term

APR: 883.6% Representative
Loan amount: £50 - £1,000
Repayment duration: 1 - 24 Months
Apply What to check
Contact H&T Finance Short Term

H&T Finance Short Term customer reviews

4.3 out of 5 from 22 reviews

Super friendly helpful people

10:05 30-06-2017

Imagevia Smart Money People

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

George Nicholson

Really big help when I was going through some bad times

01:34 24-06-2017

Imagevia Smart Money People

I was struggling to pay some bills but thankfully H&T Pawnbrokers helped me when I needed it most

Rodrigo Granjo


12:02 23-06-2017

Imagevia Smart Money People

Amazing service every time helpful and courteous staff!

Luke baker


11:57 23-06-2017

Imagevia Smart Money People

H&T in Middlesbrough was very good service lovely ladies who made me feel comfortable helped a lot and also very friendly

Stacey Hunter

Great customer service

13:21 15-05-2017

Imagevia Smart Money People

Always easy to converse with and helpful

Mark burrage

Extremely rude on the Phone

09:27 17-04-2017

Imagevia Smart Money People

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.

[email protected]

Great experience

11:36 24-12-2015

Imagevia Smart Money People

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 Finance Short Term

Our review by Alex
Written by: Alex
Consumer sentiment


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.

H&T score quite highly in their OPTIOSCORE Searching the web for reviews doesn’t present those that are specific to their loans, but for H&T as a whole. On TrustPilot they’ve been awarded a rating of ‘great’, with customers giving particular praise towards their friendly and helpful staff.

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

Minimum criteria

  • 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 Finance Short Term Customer Question & Answers

Have a question for H&T Finance Short Term?
Total question and answers: 1
i am looking for a loan of £1000 or less and would like to repay within 12 month. how much will i be paying on a monthly basis as i get paid on the 15th of each month? please let me know before i start my application. thanks regards Marie
- Marie Kamara, at 1:59pm 20/07/17
Hi Marie - assuming your looking to make an application in-store, a monthly payment would be in the region of £152, but it does depend on your personal circumstances. I hope this is is helpful. Yours sincerely Annika Sitpura
- Annika, at 2:30pm 20/07/17
This provider responded within 31 minutes to this question.

About H&T Finance Short Term

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.


This profile has been claimed
Provider last seen: 8:49am 13/12/2017
Product data last updated: 10:38am 10/1/2018
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk