Credits in United Kingdom
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A small UK catalogue: short-term and personal loans through FCA-authorised brokers, business accounts, a travel debit card and a investment platform. Each card shows the main terms and fees and, for loans, a representative cost example.
Loans in the United Kingdom.
Lenders and credit brokers in the UK must be authorised by the Financial Conduct Authority, and short-term loans fall under a price cap. Before applying, check the representative example, the total amount repayable and whether the provider runs a soft search first.
Page last edited: 11.11.2026
Short-term, Consumer loans in the United Kingdom
Loans up to 60 months and up to £10,000
This section lists two credit brokers that pass your application to direct lenders for amounts from £100 to £5,000. Loans of a few months count as high-cost short-term credit, so the FCA price cap applies and rates vary widely with your circumstances. Lenders check your file with Experian, Equifax or TransUnion; a soft search leaves no visible mark, while the hard search before the loan is recorded and seen by other lenders.
THLdirect
Consumer credits, broker
Website: thldirect.co.uk
Term: 1–60 months
Interest: 9.3–1721 % APR
Age: from 18 years
Example: Amount of credit: £1000 for 12 months at £123.40 per month. Total amount repayable of £1480.77 Interest: £480.77. Interest rate: 79.5% pa (fixed). 79.5% APR Representative. Rates from 9.3% APR to max 1721% APR – your APR will be based on your personal circumstances. Subject to lender’s requirements and approval. After receiving your completed application, and on loan approval, our direct lender partners can offer same day funding. Funds are paid directly into your bank account. Our direct lender partners practice responsible lending and in turn operate a flexible payment structure.
FancyaPayDay
Consumer credits, broker
Website: fancyapayday.co.uk
Term: 1–60 months
Interest: 9.3–1721 % APR
Age: from 18 years
Example: £500 for 6 months at £106 per month. Total amount repayable of £640. Interest: £140. Interest rate: 91% pa (fixed). 91% APR Representative (fixed). Rates from 9.3% APR to max 1721% APR – your APR will be based on your personal circumstances. Our process for your application is fast and consistent. With the latest in safety and security we protect the privacy of your information. If you qualify you can receive your funds today! Your time is valuable and we deal directly with the lenders. You could receive funding into your account in hours. Just fill out an application.
Bank account, online banks in the United Kingdom
Debit card, business card
Business accounts for freelancers and small companies, plus a debit card for spending abroad. Several of these providers are e-money institutions rather than banks: they must keep customer money separate from their own, but the FSCS guarantee that covers bank deposits does not apply. Compare the monthly plans, transfer and currency fees, and how many cards and users each plan includes.
Anna.Money
Online bank, business account
Website: anna.money
App: Anna
Fees: 0–59.90 £ per month
Registration: 10 min.
ANNA Money is the business current account for startups, freelancers and creative types. Account set up takes less than 10 minutes, and your business debit card will be on the way the same day. Try ANNA free while you’re starting up. You only need the app and ANNA debit card to make full use of all ANNA’s features, so say goodbye to branch visits and paper forms. Create professional invoice PDFs in an instant. Just chat us the details and we do the rest. Regardless of the chosen plan, if you don’t use your account one month, you don’t pay the monthly fee for the next one.
Wallester
Online bank, business account
Website: wallester.com
App: Wallester
Fees: 0–999 £ per month
Activation: 10 min.
Facilitate financial management. All-in-one solution to control corporate spending. Get access to the multi-functional Wallester Business platform absolutely free. All key functions for £0 a month. Issuing corporate cards. Cutting-edge API for easy integration. Expense control services. Automated reporting. Streamline your business’s financial processes now — start for free or choose a suitable tariff plan. Set up payment request function, reconcile expenses online, and make payments delay-free. You’re one click away from optimizing your finances. Fast, secure, and hassle-free.
Currensea
Debit travel card
Website: currensea.com
App: Currensea
Fees: 0–12.50 £ per month
Registration: 5 days
The UK’s top rated travel debit card. By removing exchange markups on foreign currencies, you can save up to 85% on FX fees compared with typical high-street banks charges. Currensea works with your existing bank, so you can spend and save abroad without ever preloading or transferring funds. Download the app and securely connect your existing bank account to your new card. We’ll send you instant notifications and emails with the cost of your transaction in GBP and local currency. Your card typically arrives within 5 working days, ready to add to your physical and mobile wallet.
Financial assistance in the United Kingdom
Financial companies, consultants
A credit builder app reports small regular payments to the credit reference agencies, which can gradually lift a thin or damaged credit score. You can also see your own credit file free of charge with Experian, Equifax and TransUnion. If debts are already hard to manage, charities such as StepChange and the government-backed MoneyHelper service give free, impartial advice.
PaveApp
Credit building
Website: paveapp.com
Credit rating: building
Price: 9 £ per month
App: Pave
Build healthy credit. Credit building in partnership with all major Credit Reference Agencies in the UK. Get started in just 3 minutes! We analyse your credit file to suggest actions that could help improve your score. We connect to your bank accounts and remind you when bills that might impact your credit score are coming up to help you make on-time payments to protect your credit score. Your credit history makes up 35% of your credit score. Pave helps improve your credit score by sharing your payment history with Credit Reference Agencies. Pave helps improve your credit.
Investing in the United Kingdom
Investments in real estate, loans, furniture
Alternative investments are not savings: the FSCS does not cover them, returns depend on the company and its customers, and the advertised rate is a target rather than a promise, even when the advert speaks of guaranteed capital. This platform works in euros, so the pound’s exchange rate also affects what you earn. Invest only money you can spare and spread it across several products.
Enky
Investing in furniture
Website: enky.com
Term: 12–120 months
Interest: up to 9 %
Start: from 100 EUR
Invest in sustainable furniture and earn up to 9%. Enky Invest offers different types of alternative investments, from 500€ and with solid returns. With us, your investment is secure, based on a tangible asset – and your capital is guaranteed. An attractive return: earn 7 to 9% annually. A fast growing market: high demand for sustainable furniture. A positive environmental impact: finance circular furniture. Unlike crowdfunding or fractional property platforms that transfer risk to the final investor, Enky absorbs the risk of customer default by offsetting it against its own margin.
How to choose a loan in the United Kingdom
Representative APR, price cap and brokers
The UK has one of Europe’s most developed credit markets, with banks, online lenders, brokers and fintech apps competing for the same customers. Strong rules from the Financial Conduct Authority keep it orderly, but the numbers in adverts still need careful reading. Before you apply, three things are worth knowing: how to read a representative example, what the short-term price cap protects you from and how to check a broker.
How do you read a representative example?
UK credit adverts show a representative example: the amount, term, monthly payment, total repayable, interest rate and the Representative APR, which at least 51% of successful applicants must receive. Your own rate depends on your credit file and can be higher, up to the maximum in the stated range. On short loans the APR is misleading because a small charge is annualised: THLdirect’s example of £1,000 over 12 months at 79.5% APR costs £480.77 in interest. Compare the total repayable for the same amount and term, not the APR alone.
What does the short-term price cap protect you from?
Since January 2015 the FCA has capped high-cost short-term credit, meaning loans repaid within a year with an APR of 100% or more. Interest and fees may not exceed 0.8% of the amount borrowed per day, a default fee is limited to £15, and the total you pay in interest and charges can never exceed the amount you borrowed. The lender must also check that you can afford the repayments. Each hard search stays visible on your file, so apply through services that use a soft search first.
How do you check a broker?
Look the firm up on the FCA’s Financial Services Register: every credit broker must be authorised, and the register shows its name, reference number and permitted activities. A broker passes your details to lenders and does not lend itself; a reputable one never asks for a fee before you receive a loan. Scammers sometimes copy the names of real firms, so use the contact details from the register. Brokers are marked “broker” in the cards; brokers in other countries are listed under loan brokers.
Important information
Loans and liability
Lending in the UK is regulated by the Financial Conduct Authority under the Consumer Credit Act 1974 and the FCA’s consumer credit rules. You can withdraw from most credit agreements within 14 days by repaying the money and the interest for the days used, and complaints that a firm does not resolve can be taken free of charge to the Financial Ombudsman Service. This page is for information only and is not an invitation to borrow or invest; EU-Credits is not responsible for the consequences of using these services. Missed payments damage your credit file and can lead to a County Court Judgment (CCJ), which stays on record for six years.
EU-Credits is a catalogue, not a lender, bank or investment firm, and does not decide on applications. The links in the cards are partner links: we may earn a commission if you sign up through them, at no extra cost to you. The UK section is small, we do not publish a rating for it, and the order of the cards is not a ranking. New and paused companies are listed in the “Latest updates” block. The details in the cards come from the companies’ own materials and can change; always check the current terms on the provider’s website before signing.
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