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Payday Loans without the fees

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£200 loan taken out over 3 Months (83 days). Annual rate of interest 292% fixed. Cost of credit £113.08. Monthly Payments: £104.36, £104.36 and £104.36. Total amount payable: £313.08


This loan may be suitable for you if:

  • You want a small, short term loan for no longer than 3 months
  • You want a loan with no upfront fees, late fees, late interest or default fees
  • You want a straight forward application process

This loan may not be suitable for you if:

  • You have very poor credit
  • 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 THL Direct using the form below. Applying won't affect your credit score^
THL Direct will give us an instant decision and, if accepted, you’ll be sent to their website to finalise your loan
If THL Direct decline your application, 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 THL Direct application below...


THL Direct

About THL Direct

THL Direct is a short-term loan direct lender based in the UK.  They offer small loans of up to £500 over 3 months, however, first time customers may be limited to smaller loans.

THL Direct is one of the longest running lenders we have on allthelenders and have been lending for more than 10 years.  THL Direct is a direct lender, meaning that if they accept your application they will be the company lending you the money.

Eligibility Criteria

You must be over 18 years of age

You must be a full-time UK resident and employed and earning a regular salary

You must have a valid UK bank account, mobile phone and email

No recent CCJs, IVAs or bankruptcy

All loans are subject to credit and affordability checks


All UK residents over the age of 18 are eligible to apply for a THL Direct loan and the whole application process is completed online.

Apply to THL Direct now using our quick and simple form above and if accepted, we’ll send you straight to the THL Direct website to sign your loan agreement.

The great thing about applying on allthelenders is that if THL Direct 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 THL Direct Loan

Your loan will be repaid over 3 months in equal instalments.  On the agreed repayment dates they will collect the money from your debit card, all you need to do is ensure that the funds are available to collect.

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

Total Home Loans Limited (t/a THL Direct) is authorised & regulated by the Financial Conduct Authority.