Thl direct UK: - payday loan provides the required short term credit to more suitably address your circumstances.Your alternative to payday loans -

Amount 125 | 500
term loan до 30 days
Interest rate от 0.8% per day
card or cash to card

THL Direct is more than a short-term money lender.

We are your partners in solving financial emergencies responsibly, quickly and compassionately. Unlike banks and others who charge high fees, who involve a bunch of middlemen and make computerised lending decisions, THL does things differently. We get to know you. We seek to understand your unique circumstances. And we make lending decisions based on the relationship we build with you and your family. To do this, we speak personally with you by phone to help you analyse your borrowing needs and create a realistic repayment plan that will help you improve your financial footing. 


We keep costs competitive by eliminating up-front fees and middlemen. Without these costs, we can always charge a competitive rate of interest on the money you borrow. This, in turn, saves you hundreds of pounds and helps us earn your trust for long-term relationships we value. Additionally, at THL Direct, all short-term loans are funded with our own money. This means interest rates remain low because we aren’t paying interest on the money we lend to you. We save, so you save. It’s just that simple.

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55 Cobham Road Ferndown Industrial Estate Wimborne BH21 7RB

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0330 223 0177


Official web site

Your Neighbours and Your Financial Partners

THL Direct is based right here in the UK.

We’ve been serving UK families like yours for more than 10 years by making loans of £125 up to £550 at a fair interest rate and with no added fees or middlemen. We’ve built a reputation for creating strong relationships with all of our customers and making personalized lending decisions. These guiding principles help us help you solve financial emergencies, and guarantee that we can continue to keep costs lower than many others in our industry. So whether you need a THL Direct loan for an emergency car repair, special occasion, or simply to have some cash on hand, we are here for you.


Payday Loans


 £200 loan taken out over 3 Months (83 days).
The 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


Payday Loans- always online 24/7

As a Payday Loans lender, our application form is online and can be simply completed from a Mobile, laptop or PC using the Apply Here button above; ( it only takes a couple of minutes to complete and is straightforward with THLD.

There will be a few simple questions regarding your residential status, income, employment, income and expenditure, and the bank account details to let us send your money to the right place.

We take special steps to ensure your personal details are stored safely and securely with us when you complete your Instalment loan application online.

After you have completed the online application it is sent to our in-house underwriters who will carry out some checks and let you know if your application for a Pay Day Loan has been accepted.

We will ask you to call in to speak to our in house underwriters to complete the final checks to ensure that any loan meets our responsible lending criteria, suitability requirements, and affordability checks.

As part of the process, THLD will provide you with Pre-contractual information that gives you the main features of your Payday Loan, details the cost, the term of the loan, how your loan is repaid and the steps to take if you are unable to make your repayment. It is important you read this information carefully. To accept the agreement we request you electronically sign the agreement which is simple and easy to do.

After we have carried out our remaining checks we will approve the loan and it will be sent directly to your nominated bank account. We send out monies at regular intervals throughout the day.

Lending Criteria

To be accepted for an Instalment loan with THL Direct, clients have to meet the following criteria;

  • Over 18 years old
  • Live in the UK and be a UK resident
  • Employed
  • Have a Valid Debit Card
  • Your income is paid into your bank account
  • Contact details are valid and working
  • Not currently in an Individual Voluntary Arrangement (IVA), Debt management plan (DM Plan) or currently taking proceeding for bankruptcy (BKO)

If you have any questions or queries please visit our frequently asked questions page or call us on 0330 223 0177 and we will be happy to help.

Cost of the Loans

The cost of the loan is a daily interest of 0.8% on the amount you borrow, please see our representative example

We don’t charge any upfront fees, late fees, late interest or default fees.

REPRESENTATIVE EXAMPLE: £200 loan taken out over 3 Months (83 days). The 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

We would like to offer loans at a lower APR as an Instalment lender but the rate is calculated as the loan is over the period of a year.

Payday Loan Amounts

As a new customer currently the maximum loan amount is £125. As a returning customer, you will be able to increase your loan up to £550. We ensure that any loan meets our responsible lending criteria, suitability requirements, and affordability checks.

Can I pay my loan of Early?

Yes, If you would like to pay your Payday loan off early you will be not charged any additional exit or penalty fees and can clear the balance at any time- Please telephone or Email our customer services team who will happily help you through this process.

Responsible Lending Payday Loans

At THLD we are committed to Responsible lending and have been serving families like yours for more than 10 years – We always put the interest of our customers at the heart of all the decisions we make.

We have built a reputation for creating strong relationships with all our customers and making Responsible lending Key within our business.

We regularly review feedback from our customers and adapt and change with their needs with the loans that we offer.

Our loans are for short term use only and not to be utilized to manage current debt or long term commitments.

THL Direct (THLD)

  • Online applications
  • Direct Lender for Payday Loans
  • UK based
  • In house underwriting