H&T Finance

Calculate Your Loan Cost:

Choose the loan type you require then adjust the sliders to calculate the cost of your loan.

Representative Example

Representative Example: 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.
Total Repayable


You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.
Read more about How Our Comparisons Work

Lender Overview

H&T finance - short term loans

H&T Personal Loans offer loans from £500 to £5000 repayable over 12 to 36months. 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.

When can I get my loan?

Successful loan applications will typically be funded on the same day of approval

How do I repay my loan?

Loan repayments are taken via Direct Debit on your pay dates. Even if you are paid weekly, fortnightly or monthly they can collect a repayment each time you are paid.

What happens if I can't pay my loan on time?

If you feel that you may not be able to pay your loan on time, you should contact their UK based team on 0151 525 1000 to discuss the options available to you. H&T will not charge you a fee for a late or missed payment, however interest will continue to be added to the loan balance. H&T aim to fully understand your financial circumstances and will work with you to agree a repayment plan that is affordable. Please note, missing payments will be reported to the Credit Reference Agencies which may make obtaining credit in the future more difficult.

Application Criteria

  • You must be a UK resident aged over 18
  • You must have a stable income of at least £750 per month
  • You must have a bank account that accepts direct debits and faster payment
  • All loans are subject to credit and affordability checks

How is this lender regulated?

  • H&T are authorised and regulated by the Financial Conduct Authority


Late repayment can cause you serious money problems. For help, go to The Money Advice Service
H&T Finance
0800 838 973