H&T Finance Short Term

122 reviews

883.6% Representative

Will lend between: £100 - £1,000

Over: 3 - 36 Months

Representative example: Representative example: Total amount of credit: £300 for 6 months. Total amount payable: £554.58 in six instalments of £92.43. Total charge for credit: £254.58 (Interest Only). Interest rate 169.7% pa(fixed) Representative 883.6%APR

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H&T Finance Short Term customer reviews.

122 reviews

4.3 out of 5 stars

16:43 14-06-2018
ImageSmart Money People

Good Service and flexible product

Cheryl Sanders

Quick and good
10:47 16-05-2018
ImageSmart Money People

Cheap rates each month and cash within an hour

Stephanie Taylor

17:34 26-04-2018
ImageSmart Money People

This company helped me when I needed it, so helpful and friendly

Annette wormald

Fantastically helpful
10:26 07-04-2018
ImageSmart Money People

The staff were fantastic, made drinks and conversation while we waited for necessary things to be done, will be recommending to friends!


Super friendly helpful people
10:05 30-06-2017
ImageSmart 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
ImageSmart 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
ImageSmart Money People

Amazing service every time helpful and courteous staff!

Luke baker

11:57 23-06-2017
ImageSmart 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
ImageSmart Money People

Always easy to converse with and helpful

Mark burrage

Extremely rude on the Phone
09:27 17-04-2017
ImageSmart 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.

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Our review of H&T Finance Short Term

H&T offer their high-cost short-term personal 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.

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.  

Written by: Alex


  • 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 1287.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

H&T Finance Short Term Customer Question & Answers

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
Answered in 31 minutes by Annika

About H&T Finance Short Term

H&T offer high-cost short-term personal loans from £100 to £1,000 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 (with personal loans available up to £5,000 in-store) 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