THL Direct

THL Direct, based in Bournemouth, UK, offers short-term loans ranging from £50 to £5,000 with terms from 3 to 36 months. The application process is completely online, providing quick financial relief. They offer a representative APR of 49.9%, but rates can vary from 45.3% to 1575% based on personal circumstances. They have a high customer satisfaction rating of 4.9 on Feefo. However, as a broker, they work with partner companies to provide the loans, which could lead to variations in service quality.
8.4/10 (Expert Score)

When it comes to short-term loans, THL Direct is a name that stands out in the UK market. This Bournemouth-based company prides itself on offering a responsible, quick, and compassionate solution to financial emergencies. But does it truly deliver on these promises? Let’s delve deeper into what THL Direct has to offer.

THL Direct Review
Loan typeShort-term
APR45.3% to 1575%
Loan Amount£50 to £5000
Loan Duration3 – 36 months

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THL Direct Interest Rates

REPRESENTATIVE EXAMPLE: Representative example: £1200 for 18 months at £90.46 per month. Total amount repayable of £1628.28. Interest: £428.28. Interest rate: 49.9% pa (variable). 49.9% APR Representative (variable). Rates from 45.3% APR to max 1575% APR – your APR will be based on your personal circumstances.

THL Direct offers a representative APR of 49.9%. However, the actual APR may vary based on your personal circumstances, with rates ranging from 45.3% APR to a maximum of 1575% APR. It’s important to note that the APR is representative, meaning that 51% of borrowers will receive that rate or better. The other 49% could be offered a higher rate. This is why it’s always important to read the terms and conditions of your loan agreement carefully to understand the exact APR you will be charged.

Types of Services Offered

THL Direct offers short-term loans ranging from £50 to £5,000, with terms from 3 months to 36 months. This flexibility allows borrowers to choose a loan that best fits their needs. Whether you’re dealing with an unexpected bill or a sudden expense, THL Direct’s range of loan options provides a potential solution.

Application Process

The application process at THL Direct is straightforward and entirely online. This means you can apply for a loan at your convenience, without the need for lengthy paperwork or in-person visits. If your application is approved, the funds are paid directly into your bank account, providing quick financial relief when you need it most.

THL Direct Customer Service

Customer service is a crucial aspect of any financial service, and THL Direct doesn’t disappoint. With a 4.9 rating on Feefo based on 340 reviews, it’s clear that THL Direct is committed to providing excellent customer service. Many customers have praised the company’s quick response times and helpful customer service representatives.

Pros and Cons

Pros of THL Direct include their competitive rates, lack of upfront fees, and personalized approach to lending. They also offer flexible repayment structures and allow borrowers to settle their loans at any time without penalties. On the downside, THL Direct is a broker, not a direct lender, which means they work with partner companies to provide the loans. This could potentially lead to variations in service quality depending on the partner.

Comparison with Competitors

Compared to other short-term loan providers, THL Direct stands out for its flexible loan options, easy application process, and excellent customer service. However, as a broker, the company works with partner lenders to provide the loans, which means the quality of service may vary depending on the lender. It’s always a good idea to compare different options before making a decision.

THL Direct Customer Reviews

Customer reviews on platforms like Smart Money People and Feefo provide valuable insights into the experiences of THL Direct’s customers. Many customers have praised the company’s quick and easy application process and its excellent customer service.

Company’s Credibility

THL Direct is a responsible broker that works with direct lenders to provide short-term loans. They are committed to providing a service that is transparent, fair, and in the best interest of their customers. This commitment to responsible lending is a key factor in the company’s high customer satisfaction ratings.


Overall, THL Direct offers a reliable and customer-friendly option for those seeking short-term loans. Their flexible loan options, easy application process, and excellent customer service make them a strong choice for borrowers. However, as with any financial decision, potential borrowers should carefully consider their options and ensure that a short-term loan from THL Direct fits their needs and circumstances.

8.4 Total Score
THL Direct

THL Direct offers quick, short-term loans from £125 to £500 with 0.8% daily interest on the amount you borrow. No upfront fees, late fees, late Interest, or default fees. Although first time borrowers can only get £125. Funds are paid directly from THL Direct into your bank account. They also offer the choice of repaying your loan weekly or monthly.

Easy of Application
Speed of Funding
Customer Service
Loan Terms and Conditions
  • Quick and easy online application process
  • Flexible loan amounts and terms
  • Highly rated customer service
  • No upfront fees
  • As a broker, the quality of service may vary depending on the partner lender
  • Not suitable for long-term financial solutions
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Additional Resources

For more information or to apply for a loan, you can visit THL Direct’s website. For more options and to compare short-term loans, you can check out Money Advice Service.

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THL Direct
THL Direct
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Arminas Orantas

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