1. Apply
   Complete our online application form to see if you meet our initial criteria for quick cash. If you do, our underwriters will personally assess your application for credit to see how we can help.
2. Get Same Day Funding
   After speaking with a qualified candidate, we offer same day funding. Unlike other lenders, we do not have to wait for a third-party transfer. Funds are paid directly from us and will appear as “THL Direct” into your bank account.
3. Flexible Repayment
   We practice responsible lending and in turn operate a flexible payment structure. Your payday loan payments can be paid weekly or monthly to suit your situation

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.

How?
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.

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 personalised 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.