Best seller

H&T Finance

up to £750

H&T Finance short term personal loan instalments are able to be repaid from 3 months to 2 years and loan amounts are available from £50 to £1,000.

Get a payday loan with H&T Finance

H&T Finance short term personal loan instalments are able to be repaid from 3 months to 2 years and loan amounts are available from £50 to £1,000.   You can apply online 24 hrs a day or you could pop in to one of the 190 stores nationwide where you can talk to a personal advisor and make an application straight away, you are often able to get your cash immediately in hand when applying in store.   H&T Finance loans can be managed online including making secure payments and checking your balance. You can also borrow money against jewellery, cars, antiques and mobile phone buy backs, in the form of a pawn loan, this must be done in store. H&T Finance also have an app that is available for your mobile devices for instant access to your accounts.

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

How quickly do I get my loan?

Once your H&T Finance short term loan has been approved funds are usually transferred directly into your bank account via the faster payment system, you will be advised of the transfer time once the application has been approved.   When applying in store you have the option to take a cash payment if you prefer.

How do I repay my loan?

Your short-term loan payments from H&T Finance are taken via direct debit usually to coincide with the day your wages are paid, this makes no difference if you are paid monthly, weekly or fortnightly.   

What happens if I miss payments?

If you think you may have a problem with making a payment on time, H&T Finance will not charge you a missed payment fee, but the interest will continue to be added to the loan balance.   H&T Finance have a very friendly and helpful customer service team, they can be reached on 0151 525 2000, and they will aim to work with your personal circumstances to agree a repayment plan that is affordable.    Missing payments however can be reported to the credit reference agency which may hinder future credit, it is important to make every effort to keep your instalments regular.

Loan Qualification Criteria

  • All loans are subject to credit and affordability checks
  • You must have a stable income of at least £750 per month
  • Government Benefits can be taken into consideration on loan applications.
  • you must be a UK resident aged over 18
  • You must have a bank account that accepts direct debits and faster payment

Regulator information

  • H&T, H&T Money, H&T Finance, H&T Asset Finance and H&T Pawnbrokers are trading names of Harvey & Thompson Limited
  • H&T are authorised and regulated by the Financial Conduct Authority


H&T Finance Loan 0800 838 973


Please be aware: late repayment can cause you serious money problems – be sure you can take on a loan. For facts on borrowing, plus advice, see the Government’s website,

Login/Register access is temporary disabled