Track Loans

APR: 201% Representative
Loan amount: £100 - £500
Repayment duration: 3 - 6 Months
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Our review of Track Loans

Our review by Alex
Written by: Alex
Consumer sentiment


Track Loans offer a very competitive representative APR within the high-cost short-term market, coming in cheaper than the  majority of their competitors. They also offer their customers high levels of flexibility as they can choose to pay weekly, fortnightly, four-weekly or monthly and offer a maximum loan term of six months.

There is no charge for paying the loan back early, or for making partial payments, and customers can easily manage their loan via Track Loans' online account area. If you can settle your loan early it will work out cheaper for you in the long run as you’ll only have to pay back the interest that you’ve accrued, so if you do have the funds  it’s worth considering. You can also use Track Loans' online account area to apply for another loan with them once your existing one has been fully cleared.

At time of writing this review, Track Loans scored 4.9 out of 5 from 66 reviews on feefo with the majority of reviews in very high praise of the service. Their website is extremely informative and the fact they are a Community Interest Company and run a not for profit operation reiterates their ethical stance.  

As with any high-cost short-term product the usual warning applies. If you have any doubt whether you can afford to repay your loan on time and in full, then don’t apply. By missing or being late with repayments, you will not only harm your credit file but could be subject to a number of fees, which can soon make things very expensive.

Overall verdict: One of the most affordable and flexible high-cost short term lenders available offering customers the ability to control their own loan, pretty much on their own terms. If you are considering applying with Tr


  • Repayment dates can be weekly, fortnightly, four-weekly or monthly
  • Repay the loan over 6 months
  • No charge for repaying the loan early
  • No fees
  • Not for profit loan company

Minimum criteria

  • You must be over 18 years old
  • You must be a UK resident
  • You need to have a bank account with Direct Debit facility
  • You need to be working or have a minimum income of £1,000 per month


  • Maximum APR 201%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

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About Track Loans

Track Loans offer high-cost short-term loans between £100 and £500 over a maximum loan term of six months advertised at a representative APR of 201%. To apply with Track Loans you will need to fill out their online application form and provide information on your employment status, income, expenditure and any existing debts you may have. As part of your application you will be also subject to a credit check. Once complete you should receive a decision within minutes.

If approved you’ll need to finally agree to the terms of the agreement and as long as your application is processed before 2:55pm that day, you’ll receive the funds the same day. There are no fees for arranging the loan or settling early. It’s worth noting that Street UK are currently only lending to those within certain postcodes: West Midlands (B, CV, DY, WS, WR and WV postcodes).

This profile has been claimed
Provider last seen: 3:40pm 2/3/2017
Product data last updated: 1:03pm 15/11/2017
Warning: Late repayment can cause you serious money problems. For help, go to