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Borrow up to £1,000 and repay over 3-36 months

Fill in our two minute application to get approved in principle. Simply start by choosing your loan amount and term below.

Compare our loans against other lenders


  • Borrowing £300 for 6 months
  • Monthly repayments of £92.43
  • Total repayable £554.58
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

H&T offers personal loans up to £1,000 online and £5,000 in-store! Applying online is fast and easy, and we'll transfer your money straight into your bank account. You can also visit us in-store and, if approved, get instant cash in hand, usually in under an hour.

You can borrow over any term between 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.

You can apply for an unsecured short-term personal loan online 24 hours a day, or call into any of our 180+ UK branches to speak to an adviser. Simply, visit our store locator and enter your postcode above to find your nearest branch.

Short-term cash loans
H&T offer personal loans online and in store. Minimum loan term 3 months. Maximum loan term 36 months. Minimum APR 49.9%. Maximum APR 1,287.9%.

Short-term personal 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 in an average month so we can include this in our decision.

Get an online decision

Based on the information you provide we make a decision online. If you are unsuccessful we may offer other products that we feel may help you.

Money transferred to your account

Once your loan has been approved, we will let you know and we will transfer the funds directly into the bank account you’ve given to us. This usually takes a few hours during office hours.

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 their family or friends *


*based on customer survey data collected 19/11/2017 to 04/12/2017.