H&T Personal Loans

APR:
883.6% Representative
Loan amount:
£50 to £1000
Loan term:
1 Month to 2 Years
Loan type:
Short Term

H&T Personal Loans provides personal loans to people who need funds to manage their shortfalls and other financial emergencies. The loans aren’t traditional payday loans, as the payments are distributed over a number of instalments, and doesn’t expect a lump sum payment to pay all the principal at once. This may include factors like the amount being borrowed, the period the money will be borrowed, along with the outcomes of the credit check.

Applications can be filled in-store as well as online, however individuals who do their applications in-store can be offered a more favourable rate of interest. Online customers will have access to their account online, letting you assess your balance, make extra payments and deal with the accounts from any internet-enabled device. Alternately, The Loan Centre may be reached by telephone for advice about your account or to choose a change your card for payments. Additional support is available anytime by visiting a store location, via the site, or by email.

 

H&T Personal Loans Criteria

Age Requirement
18
Debit Card
Yes
Credit Checks
Yes
Other Requirements
See Website
Same Day Transfer Available
Yes
Loan Value Available
£50 to £1000
Representative APR
883.6%
Loan Length
1 Month to 2 Years
FCA Registration Number
327551
Loan 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

H&T Personal Loans Review

To be able to apply for a personal loan from H&T Finance, the prospective borrower has to be a minimum of 18 years old and be a resident of the UK. Furthermore, a stable income of £750, minimum, is required, in addition to a bank account is needed that accepts direct debits, for payment processing via Faster Payments, for faster receipt of the funds related to your loan.

All borrowers need to pass certain criteria during the credit check, in addition to affordability checks. This helps make sure that the customer could anticipate to pay off the loan according to their current situation without any trouble.

The timing of the repayments will be based on your individual pay dates. For example, those who are paid on the last day of every month will make a payment on that day, every month. If you are paid weekly, such as on every Friday, you will make a payment every Friday. The specific amount of the payment will be adjusted based on the number of pay dates you have during a month.

For people who want to settle their loan quickly and potentially save on interest charges over the duration of the loan, extra payments can be made as a way to enhance the normal repayment procedure.

Customer Review:

H&T Personal Loans
User Rating: 3.7 (6 votes)
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Company Pros...

  • Apply 24 hours a day
  • No hidden fees

Watch out for...

  • Minimum income of £750
  • Have a bank account and debit card