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Affordable Personal Loans up to £5000

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Total amount of credit: £1600 for 20 months. Total amount payable: £2,675.60 over 20 equal monthly instalments of £133.78. Total charge for credit: £1075.60 (interest only). Interest rate 40.3% pa(fixed). Representative 89.9 %APR.


This loan may be suitable for you if:

  • You want a longer term loan between 12 & 36 months
  • You need to borrow up to £5000
  • You want a loan that has no hidden fees or costs

This loan may not be suitable for you if:

  • You have a history of bad credit including recent defaults and CCJ’s.
  • You already have outstanding payday loans or short term loans.
  • You are already in financial difficulty and wouldn’t be able to repay the loan.

How it works...

Apply to H&T Finance using the form below. Applying won't affect your credit score^
We'll check your eligibility for a loan against the application criteria and if suitable, you’ll be sent to the H&T Finance website
If you are not eligible for a H&T Finance loan, we will try our other lenders to see if we can get you a loan elsewhere
If another lender accepts your application you’ll be redirected to their website

^In order to assess your suitability for a loan, lenders may perform a soft credit check, this does not harm your credit score and is not visible to other lenders. If you accept a loan offer, you will be redirected to the lender and they may ask to perform a full credit check.

Start your application to H&T Finance below...


H&T Finance Loans

About H&T Finance

H&T Finance offers loans from £500 to £5000 repayable over 12 to 36 months. You can apply online or through one of their 252 stores across the UK. With H&T you can manage your loan account online, including checking your balance and making payments.

H&T Finance offers affordable loans to customers that may have less than perfect credit and will consider applications from people with some history of adverse credit.

H&T is one of the UK’s longest established lenders and pawnbrokers and has been operating since 1897! More than 200,000 people have taken out a loan with H&T Finance.

Eligibility Criteria

You must be over 18 years of age.

You must be a UK resident with an active bank account and debit card.

All loans are subject to credit and affordability checks.

You must have a stable income of at least £750 per month.


All UK residents over 18 can apply for an H&T Finance loan, but you’ll need to meet their lending criteria.  H&T Finance won’t base their decision solely on your credit score, they’ll also consider how you spend your money to ensure that the loan is affordable before making a lending decision.

H&T loans are competitively priced come with absolutely no hidden charges – the amount you pay back will not change.

The great thing about applying on allthelenders is that if H&T Finance cannot accept your application then we will search our comprehensive panel of lenders to see if any other lenders will accept you, saving you time and helping you to get the loan that you need.

Repaying a H&T Finance Loan

H&T Finance offers customers flexible loan terms from 12 months up to 36 months in monthly increments, so you only need to borrow for the exact time you need to, whether that be for 13 months or 23 months, the choice is yours.

H&T Finance will collect the payments directly from your debit card on each of your following paydays, the payments are automatically collected and there is nothing you need to do.

Once you have repaid your H&T Finance loan, subject to credit and affordability checks, you may be eligible to borrow again and you may be offered a higher amount.

Harvey & Thompson Limited is authorised & regulated by the Financial Conduct Authority.