Personal Loans Faqs

On the 2nd May HandT stopped offering its unsecured personal loan product. Below are some helpful FAQ’s if you have an existing loan with us, or if you’re looking to borrow money.
  • Q: What should I do if I have a personal loan with H&T?

    A: Don’t worry, customers who have an existing loan aren’t affected. The terms and conditions of your existing loan contract stay the same, so it’s important you continue to make your payments on time.

  • Q: Can I still apply for a top-up on my existing loan?

    A: Unfortunately, we’re no longer able to offer top-up or further advances on existing loans.

  • Q: Does this apply to online loans as well as in-store loans?

    A: Yes, we’re no longer offering personal loans either online or in-store.

  • Q: What can you do if I still need to borrow money?

    A: We still offer pawnbroking loans where you can borrow money against the value of an asset such as gold, jewellery or watches. Find out more about pawnbroking here.

  • Q - Will my repayments still be recorded on my credit file?

    A - Yes. Just as we do now, we will continue to accurately report your repayment record to credit reference agencies until the end of your loan.

  • Q: What if I’m struggling to make my current payments?

    A: We’re here to help you, we understand life is not always straightforward so please contact our dedicated team on 015152 51000 or email us at, we’ll support you in every way we can.