The top 4 direct lenders in the United Kingdom

If you have any need for more finance perhaps to boost your business or for an important expedition, you can do that safely and comfortably so long as you adhere to the dictates and rule of borrowing and loaning of the United Kingdom. There are loans which you can take for a short period of time, say, few months and there are loans that you can which will stretch over a long period of time. The company from which you take your loan matters. There are reputable companies that can give you the best financial advice about taking of loans and also give the best affordable interest rates. Here are some of the best direct lenders in UK that are regulated by Financial Conduct Authority (FCA).

Wage Day Advance

This is a direct lending company registered in England with its head office located at Wellington Plaza, Wellington Street, Leeds, LS1 4DL, UK. The company has a service that is simple and straightforward. You can get a loan from them within an hour without much stress. They offer a short term flexible loan of £80 to £1000 with a fixed interest rate of 288.35% per annum. You can also pay back over a period of 4 to 5 months, and you can also pay part or all of the loan earlier to reduce the interest. Wage day advance loan is not suitable for the long term but most appropriate for a short term.


Swiftsterling is a trading name of MMP Financial Limited with their trading address at Beechwood House, 2-10 Windsor Road, Slough, Berkshire, SL1 2EJ. The company undertakes short term loan services that can be repaid within a period of 4 to 6 months. You can take their Loan at an interest rate of 292% per annum. With Swiftsterling services you are always notified of each step of the loan process from your borrowing to repayment. Once you fill out the form for a loan an account is automatically created for you in their database, and then you can always borrow from time to time.


Ferratum is a short term loan provider with their office at Ferratum UK Ltd Suite 318, 25 Goodlass Road, Liverpool, Merseyside L24 9HJ. Their interest rate is fixed at 292% per annum. With Ferratum, once your application is confirmed and accepted, you can get your loan within a space of 2 hours, and you can make subsequent applications by just texting after the first trial. Also, you can repay early and save yourself part of the interest. Your loan is always lodged within 2 hours but may take longer in the evenings and weekends.

Total Home Loan (THL) Direct

THL Direct Ltd is a short term loan company that does not give one month loan but 3 months loan which can be paid weekly. With Total Home Loan, you are not charged for anything but a daily internet of 0.8% on any of the short term loan you take.

You are always advised to pay up on time when taking a short term loan as failure to pay at the stipulated time may cause you some financial problems.