THL Direct Loans

No reviews for THL Direct Loans

Representative 49.9% APR

Will lend between: £150 - £3,000

Over: 1 - 18 Months

Representative example: If you borrow £1200 over 18 months at a Representative rate of 49.9% APR (variable) and an annual interest rate of 49.9% (variable), you would pay 18 monthly installments of £90.46. The total charge for credit will be £428.28 and the total amount payable will be £1628.28.

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  • Quick 40 second form.
  • No impact on your credit file.
  • Free personalised eligibility score.
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Our review of THL Direct Loans

THL Direct are a high-cost short-term lender based in Dorset. They offer payday loans to be repaid over 3 months, however, these can be repaid early without any fees and you’ll only pay interest for the length of time that you borrow the money.

Similarly priced to the majority of high-cost short-term lenders, THL Direct charge interest at the daily rate of 0.8% (in line with the FCA price cap). THL Direct do not charge any fees so no upfront fees, no default fees or late repayment fees. However, if you are late with your repayments it will have a negative impact on your credit file.

If you're considering taking out a THL Direct loan, the usual high-cost short-term loan health warning applies: make sure you keep up with your repayments. Although THL Direct do not charge for missed or late payments, they will show up on your credit file and make your financial life more difficult in the future. If you find yourself struggling to make your repayments make sure you notify THL Direct. They hold a strong reputation for being approachable and will try to help you limit the damage as much as possible.

Overall verdict: With numerous positive reviews, a simple to use website and a standard APR in the marketplace, THL Direct are definitely an option worth considering if a short-term loan is the route you want to go down. But remember, like any other high-cost short-term loan, be sure you can your repayments before you apply and compare your options first.

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.


  • You don't need to have a perfect credit history

Minimum criteria

  • You must be at least 21 years old
  • You must have a UK bank account with direct debit facilities
  • You must be a UK resident
  • You must earn at least £900 a month and have it paid into your bank account
  • You must be in permanent employment


  • Maximum APR 49.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

THL Direct Loans Customer Question & Answers

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About THL Direct Loans

For all new customers THL offer loans of up to £200. As a returning customer and based on your personal circumstances you may be offered up to £500. You need to ensure your next payday is within 30 days before you apply.

With THL you can apply online or over the phone. If you want to apply online, you need to complete the application form on their website. Once you complete the application, it will be sent to a representative who will review your details and contact you with a provisional decision. At this point, it may be requested that you send in some additional documents.

The process of getting a loan will include THL carrying out a credit check on you which is a standard procedure when applying for a loan. Once everything is verified, they will contact you to inform you of their final decision. If approved, the money can take up to 3 working days to be transferred into your bank account and you could receive same-day transfer depending on your time of application.


Company information

Registration number: 06752234

0330 223 0177

470 Holdenhurst Road, Bournemouth, England, BH8 9AR

FCA registration

Reference No: 673015

Trading names: THL Direct

Place of business: 470 Holdenhurst Road, Bournemouth, England, BH8 9AR

Data protection registration

Registration No: Z1607716


Address: 470 Holdenhurst Road, Bournemouth, England, BH8 9AR

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