My Finance Club

1 reviews

Representative 1299% APR

Will lend between: £100 - £400

Over: 7 - 38 Days

Representative example: If you borrow £100 over 30 days at a Representative rate of 1299% APR and a daily interest of 0.8% (292.00% p.a., fixed), you would pay one instalment of £124. The total charge for credit will be £24 and the total amount payable will be £124.

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Representative 49.7% APR.

My Finance Club customer reviews.

1 reviews

4.0 out of 5 stars

Our review of My Finance Club

My Finance Club pride themselves on making the process of getting a short term loan as simple and convenient as possible- as they believe this is how it should be. With the application process entirely online, their easy-to-use website definitely makes everything a bit more seamless from start to finish. 

Their feature of being able to simply text them if customers wish to borrow from them again is a nice touch, and adds to their ethos of putting their customers' demands of today in mind and being able to spend the money in a matter of minutes. However it's important to note that this shouldn't be abused- the Representative APR of 1299% is on the higher end of the scale, as short term loans go. Despite still being a more cost-effective way to borrow than dipping into an unauthorised overdraft, My Finance Club emphasise the fact that their finance products should not be used for long-term purposes and may not be the cheapest option availavle.

So, as ever, it's vital that before applying for any short term loan that you make sure you've thought of all other options, and that you're definitely able to make the agreed repayments on time. 

Andrew Freelander
Written by
Andrew Freelander
Brand & Content Manager at Choose Wisely

Andrew joined Choose Wisely 5 years ago, originally working in a design capacity to make sure the website was simple to use. Most notably he worked with the Consumer Finance Association to design the comparison table of choice for High-Cost Short Term Finance products.


  • Flexible repayment date
  • No early repayment fees
  • Could receive your loan in 30 minutes after application
  • No hidden fees or charges

Minimum criteria

  • You must be over 18 years old
  • You must be a UK resident
  • You need to have a UK bank account with debit card


  • Maximum APR 1299%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £15

About My Finance Club

My Finance Club offer loans between £100 and £400 to be repaid over a term of between 7 and 38 days at a representative APR of 1299%. Applications are online from start to finish and they promise to provide you with an answer to your application within minutes.

To make an application you will need to provide details of your income and necessary personal details as well as a credit check to make sure you are suitable for the loan. Once all this is confirmed, it could take just 30 minutes for you to receive the money in your bank account. 

Once you have had your first loan from My Finance Club and need another loan in the future, you can simply text them as they have your records on file. Bad credit applicants are likely to be accepted but you must be between 18 and 35 and a UK resident to apply. You're able to apply for a loan for 365 days a year, 24 hours a day.  

Company information

Registration number: 07301026

0800 0882220

PO Box 102, Blyth NE24 9DR

FCA registration

Reference No: 674521

Trading names: My Finance Club

Place of business: Electric Works, Office 3-067, 3 Concourse Way, Sheffield Digital Campus, Sheffield. S1 2BJ

Data protection registration

Registration No: Z2382153

Data controller: My Finance Club Ltd

Address: Electric Works, Office 3-067, 3 Concourse Way, Sheffield Digital Campus, Sheffield. S1 2BJ

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