1. Apply

Complete our online application form to see if you meet our initial criteria for quick cash. If you do, our underwriters will personally assess your application for credit to see how we can help.

2. Get Same Day Funding

After speaking with a qualified candidate, we offer same day funding. Unlike other lenders, we do not have to wait for a third-party transfer. Funds are paid directly from us and will appear as “THL Direct” into your bank account.

3. Flexible Repayment

We practice responsible lending and in turn operate a flexible payment structure. Your payday loan payments can be paid weekly or monthly to suit your situation.

Settle at Any Time

Being a responsible lender we allow you to settle at any time without any penalties. If approved, your payday loan will be set up for payment over multiple months but you can contact us at any time for a settlement balance. This allows you to only pay for the time you borrow.

Fast Easy Acceptance

As a direct lender, we can help a variety of people in many different circumstances. Our underwriters personally assess each application for credit to see if we can help and if you meet our initial criteria.

Compare THL Direct

We are fully licensed authorised by the FCA as a payday loan instalment direct lender. Our payday instalment loans are set up for payments spread across multiple paydays. Compare us to others!

Paid Weekly?

We understand that not everyone has a monthly payday or finds a big monthly payment easy to budget. To help with this we give you the choice of repaying your loan weekly or monthly. This allows you to only pay for the time you borrow.

Clear and Transparent

We allow you to be in control of your short-term loan. You decide how much to borrow and the dates to pay the loan back. We pride ourselves in being a transparent lending and having no hidden costs or fees.

FAQ About Payday Loans. Payday loans without the fees.

Can I Have a Loan?

You don’t need to have a perfect credit rating; we carry out many checks to make sure the loan is affordable and we are lending responsibly.

How do I get my Loan?

You can apply for your short-term loan online. Our application form is only available online, so you can complete the form when it best suits you. We’ll ask the usual personal details, about your job and your income and outgoings

How long can I have my loan over?

Please be aware that the minimum repayment term for a THL Direct instalment loan is three months. The maximum term for a THL Direct instalment loan is 3 months. A THLD Payday loan or short-term loan can be paid back at anytime within the term with no penalty.

How Much Can I Borrow?

You can borrow between £150 to £550, returning customers can borrow up to £550. We’ll always advise you how much it will cost before you decide to proceed. We don’t have any hidden fees or costs. Nobody likes surprises.

What Purpose Can the Loan be for?

Our short-term loans are for any unexpected expenses that may arise, from your car breaking down to boiler repairs.

How Will I Remember to Pay Back the Loan?

We will send you a reminder before the payment is due back and to make sure everything is okay and if there are any changes in your circumstances. If your circumstances have changed, we will work closely with you to get things back on track.