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In-store Personal Loans

Fill in our quick application online and we will send your details to your local store so there are no delays!

Compare our loans against other lenders


  • Borrowing £300 for 6 months
  • Monthly repayments of £100.38
  • Total repayable £401.52
Representative example:
REPRESENTATIVE EXAMPLE: Total amount of credit: £750 for 12 months. Total amount payable: £1261.56 in TWELVE Instalments of £105.13. Total charge for credit: £511.56 (Interest Only). Interest rate 68.2% pa(fixed) Representative 183.6 %APR. Borrow up to £5,000 by visiting one of our loan stores. With over 182 stores in England and Scotland we will not be far away. Start by choosing your loan amount and term on our calculator. You can borrow for 3 to 36 months, and make affordable repayments in weekly, fortnightly, monthly or four-weekly instalments. There are no hidden charges: you will only pay back your quick cash loan plus any interest! Simply use the personal loan calculator above to find out exactly how much your monthly repayments would be. Looking for more short-term loan options? Don't forget that we also offer pawn loans secured against valuables like jewellery, cars and antiques, as well as mobile phone BuyBack.

Short-term cash loans
In-store cash loans. Minimum loan term 3 months. Maximum loan term 36 months. Minimum APR 49.9%. Maximum APR 1,287.9%. Short-term loans should only be used for short-term financial needs and are not appropriate for long-term borrowing, or if you are in financial difficulty. Personal loans are subject to status. Terms and conditions apply.

3 simple steps

Tell us about yourself

We make the effort to understand people and we don’t judge you simply based on your credit score. Tell us about your income and how you spend your money on an average month so we can include this in our decision.

Visit your chosen store

Once you've submitted your application you simply pop down to your local store to finalise your loan, with your identification, proof of address, bank statement and latest payslip.

Visit your local store

Visit your local store for approval. Once approved you will receive you cash the same day!

About our loans

Not a payday loan

H&T loans are paid back over your chosen period so there is no lump sum to repay in one go.

No hidden charges

With a H&T loan the amount you pay back will NOT change. There are no hidden charges or fees.

We are not brokers

Loans are directly funded by H&T. You will always deal with us throughout your loan term.

Contact us

Our loan centre team are on hand to help 7 days a week on 0800 085 1090. Monday - Friday 9am - 8pm, Saturday 9am - 5pm, Sunday 10am - 2pm

Join over 50,000 customers who have taken out a loan with H&T

  • 96% of customers would recommend us to family and friends*
  • Your privacy is paramount - so we hold all personal data securely.
  • We're transparent about our process, so you can see how it works.
  • Visit your local store to get your loan paid out in cash.


*based on customer survey data collected 29/11/2017 to 04/12/2017.