You will need to bring these items into your local store, where we will then review your application which will include a check with credit reference agencies.
* Be over 18
* Be employed and earning £750 a month or more
* Have a bank account with a debit card
We will process your documents and talk to you about your committments to ensure we provide you with a loan that you can afford to repay.
We will process your application and if you’re successful we will give you the agreed loan amount in cash. We will set up a direct debit from your bank account and agree a date for you to make your repayments in line with your pay date.
Remember that taking out a loan is a financial commitment and you should be sure that you can afford the repayments over the term of the loan. If you don’t think that you will be able to meet the repayments then you should not apply.
Total amount of credit: £500 for 12 months
Total amount payable: £846.12, payable over 12 equal monthly instalments of £70.51
Total charge for credit: £346.12 interest
Interest rate 69.21% pa (fixed)
Representative APR 187.30%
In simple terms a £500 loan will cost you £70.51 a month for 12 months.
"H&T are efficient and friendly. They provide a brilliant service" - Amanda, H&T customer
"The personal loans service is easy and convenient. I have recommended it to friends" - Eddie, H&T customer