H&T Personal Loan

76 reviews

446.9% Representative

Will lend between: £50 - £5,000

Over: 3 - 36 Months

Representative example: Representative Example: If you borrow £300 over 6 months at a Representative rate of 446.9% APR and an annual interest rate of 118.9% (fixed), you would pay 6 monthly instalments of £79.72. The total charge for credit will be £254.58 and the total amount payable will be £478.32.

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Representative 49.9% APR.

H&T Personal Loan customer reviews.

76 reviews

4.2 out of 5 stars

About H&T Personal Loan

H&T offer high-cost short-term loans from £50 to £5,000 that can be repaid over a term between 3 and 36 months at an advertised representative 883.6 %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.

Company information

Registration number: 02636684


01476 574998

Times House, Throwley Way, Sutton, Surrey SM1 4AF

FCA registration

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 4AF

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