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Brands

Everyday Loans | www.everyday-loans.co.uk Reviews

Everyday Loans

Intro…

Everyday delivers large unsecured bad credit loans through a retail estate of 55 branches. Their valued industry experience and major high street presence has helped them to remain one of the industry heavyweights as time has passed. Arbuthnot’s Secure Trust Bank had been the brand owner, but they were sold on to Non-Standard Finance that was back in 2015. TrustTwo was included in the deal and more recently NSF boosted their guarantor credentials with the acquisition of George Banco. Everyday’s customer base sits at just over 45,000. This may not sound all that high, but you have to remember that each contract can be substantial, with funds as high as £15,000 up for grabs here.

About…

Brand: Everyday Loans (aka: EDL, EverydayLoans).
Company: Everyday Lending Ltd (part of Non-Standard Finance Plc).
Founder: Danny Malone, Mark Ridlington, Terry Williams.
Launched: 2006.
Licence: 724445.
Offers: Personal.
Opening Hours: Monday to Friday (10am-6pm) and Saturday (10am-12pm).
Other Projects: George Banco, Loans at Home, TrustTwo.
Web: www.everyday-loans.co.uk.

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Naylors Finance Loans | www.naylorsfinance.com Reviews

Naylors Finance Loans

Intro…

This Yorkshire-based doorstep lender was established in 1978. The original company was setup as J&R Naylors of Wakefield Ltd that they later changed in 2012. Over time they have spread across regions, but aren’t fully national. When we recently compared doorstep lenders it was surprising to see their site rank 2nd for traffic. On a check today they had even edged past Provident to take that #1 spot. This position is only likely to be held temporarily, but even still their rapid progression has been impressive. It isn’t clear what is behind their popularity spike. They are advertising more online, but this is also the case with Morses Club who aren’t enjoying the same traction.

About…

Brand: Naylors Finance (aka: Naylors Loans).
Company: Naylors Finance Ltd.
Founder: Roger Tranter.
Launched: 2012 (1978 as J&R Naylors of Wakefield).
Licence: 692575.
Offers: Doorstep.
Opening Hours: Monday to Friday (8am-4.30pm).
Other Projects: Non.
Web: www.naylorsfinance.com.

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Provident Loans | www.providentpersonalcredit.com Reviews

Provident Loans

Intro…

Provident’s status as the #1 doorstep loan provider is expected to continue long into the future, although there is some uncertainly on how much business they will have to fight for with interest in this sector falling. As it stands they have 731,000 customers that is some way ahead of nearest rival (Morses Club). Their Group has 233,000 customers that includes several thousand of Dot Dot. Provident’s history heads back to 1880. In the early days they handed out vouchers that could be swapped for clothing, coal and food on weekly collections. In the modern day this business remains important although Vanquis is central with 1.7 million users. The collective base is 2.5 million when including Moneybarn and Satsuma.

About…

Brand: Provident (aka: Provident Personal Credit).
Company: Provident Personal Credit Ltd (part of Provident Financial Plc).
Founder: Joshua Waddilove.
Launched: 1917 (1880 as Provident Clothing & Supply Co).
Licence: 002529.
Offers: Doorstep.
Opening Hours: Monday to Friday (8am-8pm), Saturday (8am-5pm).
Other Projects: Moneybarn, Satsuma Loans, Vanquis.
Web: www.providentpersonalcredit.com.

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Amigo Loans | www.amigoloans.co.uk Reviews

Amigo Loans

Intro…

Amigo is the dominant force in guarantor lending having served more than 300,000 customers. They were importantly first to market when they launched in 2005. This was under the FLM identity, with the rebrand following in 2012. TV advertising has been important to boost their market share, but at the same time this has really helped to raise consumer awareness in guarantor lending as a whole. The Richmond Group has historically been involved in a range of projects including the likes of Debt Line, FLM Quick and Loanfinder. Each of these have now closed that shows their growing emphasis on this central brand. The owner otherwise now just invests in a range of start-ups.

About…

Brand: Amigo Loans (aka: AmigoLoans).
Company: Amigo Loans Ltd (part of Richmond Group Ltd).
Founder: James Benamor.
Launched: 2012 (2005 as FLM Loans).
Licence: 708284.
Offers: Guarantor.
Opening Hours: Monday to Thursday (9am-7pm), Friday (9am-6pm), Saturday (9am-1pm).
Other Projects: Non.
Web: www.amigoloans.co.uk.

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Likely Loans | www.likelyloans.com Reviews

Likely Loans

Intro…

Likely’s owner Oakbrook Finance Ltd has been in business since 2011. Their introduction to subprime lending began with GuarantorUs back in 2013. Here they delivered a low rate guarantor loan that was notable for its price, but this brand never received early traction. This resulted in the following year with a rebrand of Likely Loans. This lender has come along way since, now serving more than 100,000 customers. This time around, investment in TV advertising and web promotion through Facebook has helped this company to challenge for market share. A 2nd project (Appro) would follow in 2016. This works more like a gateway to the main site, but a cheaper rate is packaged at 19.9%.

About…

Brand: Likely Loans (aka: LikelyLoans).
Company: Oakbrook Finance Ltd.
Founder: Charles Mindenhall, Manoj Badale.
Launched: 2014 (2013 as GuarantorUs).
Licence: 707357.
Offers: Personal.
Opening Hours: Monday to Friday (8am-8pm).
Other Projects: Appro Loans.
Web: www.likelyloans.com.

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Mr Lender Loans | www.mrlender.com Reviews

Mr Lender Loans

Intro…

Adam Freeman was accepted to appear on 2008’s The Apprentice show. This entrepreneur however took the decision to withdraw from the process at the last minute that caused a bit of a media storm when Alan Sugar hit out that he had bottled it. Alan Sugar had a point, but this decision would lay the foundations for a thriving new payday loan venture to come to fruition. PDL Finance Ltd would be incorporated on Halloween 2008 and Mr Lender followed in February 2009. Stretch forward to 2014 and this firm would enjoy £8.4 million PBT. They later faced issues when industry capping came into force and so would adapt to restructure their product to cater instalments.

About…

Brand: Mr Lender (aka: MrLender).
Company: PDL Finance Ltd.
Founder: Adam Freeman.
Launched: 2009.
Licence: 673310.
Offers: Instalment.
Opening Hours: Monday to Friday (8am-6.30pm), Saturday to Sunday (8am-3.30pm).
Other Projects: Non.
Web: www.mrlender.com.

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Swift Sterling Loans | www.swiftsterling.co.uk Reviews

Swift Sterling Loans

Intro…

Swift Sterling was acquired by MMP Financial Ltd in November 2015, with trading following in December. The company was originally brought to market in 2010 by the controversial Malta-based Northway Financial Ltd. It isn’t quite clear why the sale went ahead, but we believe that Northway wasn’t granted with permission to attain a new licence with the FCA. Another company called Pounds Till Payday was included in the deal. This was Northway’s original local project composed in 2006. It come to our attention recently that Pounds Till Payday has changed to brokering (via RU Media UK Ltd). On further inspection, this is actually a front for MMP who chose to withdraw this historic yet underperforming asset from lending.

About…

Brand: Swift Sterling (aka: SwiftSterling).
Company: MMP Financial Ltd.
Founder: Unknown.
Launched: 2010.
Licence: 718863.
Offers: Instalment, payday.
Opening Hours: Monday to Saturday (7.30am-11.30pm), Sunday (2pm-10.30pm).
Other Projects: Non.
Web: www.swiftsterling.co.uk.

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Capfin Loans | www.capfin.co.uk Reviews

Capfin Loans

Intro…

Capfin is another industry newcomer for 2017 although they had been planning a local launch since 2015. This team has been trading in South Africa since April 2011. They would in time also spread out to Australia. Their South African ties relate to the owner (Steinhoff International Holdings NV). Their German/African switch went ahead when Claas Daun and Markus Jooste came together and fused GommaGomma/Steinhoff. If you are unfamiliar with Steinhoff International, this furniture and household giant controls Bensons for Beds and Harveys Furniture as well as Poundland that was acquired for £610 million back in 2016. Financial services isn’t their area of expertise, but this project has worked out well for them so far.

About…

Brand: Capfin (aka: Cap Fin).
Company: Capfin Ltd (subsidiary of Steinhoff International Holdings NV).
Founder: Unknown.
Launched: 2017.
Licence: 664100.
Offers: Instalment.
Opening Hours: Monday to Friday (9am-5.30pm).
Other Projects: Non.
Web: www.capfin.co.uk.

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Smart-Pig Loans | www.smart-pig.com Reviews

Smart-Pig Loans

Intro…

Smart-Pig was launched in early 2012 by Shreiff Benaziza and Tom Parks. Start-up occurred during the time that they were studying at university. They became inspired to develop their own student-only service after a bad previous experience with a payday lender. Qualification is strictly open to those who receive an income from NHS Bursary, SAAS or Student Finance. This kind of exclusivity could be seen as a limiting factor, but this brand has certainly proved the doubters wrong. Recent Alexa traffic data shows that they are top 5 ranked for payday firms and top 10 for instalment firms. They are even edging out such heavy hitters as Satsuma Loans and WageDayAdvance.

About…

Brand: Smart-Pig (aka: SmartPig, Smart Pig).
Company: FCL Consumer Finance Ltd.
Founder: Shreiff Benaziza, Tom Parks.
Launched: 2012.
Licence: 671696.
Offers: Instalment, payday, short term (flexible).
Opening Hours: Monday to Friday (9am-7pm), Saturday to Sunday (10am-6pm).
Other Projects: Non.
Web: www.smart-pig.com.

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CashFlex Loans | www.cashflex.co.uk Reviews

CashFlex Loans

Intro…

CashFlex is the flagship brand of Chester’s Digitonomy Ltd who were formed in 2013. The founder (Tim Moss) created Digitonomy following his career at MoneySuperMarket where he was the head of credit cards, loans and debt. This is certainly one of the best environments to come from to launch a successful start-up. There are 3 owned loan sites performing very well in the sector, but this is the most popular release based on current web traffic stats. This company that is mostly searched as Cash Flex receives heavy promotion in Google and they have an impressive social media following. The launch only came in late 2014 and yet they have already surpassed power brands like CashLady.

About…

Brand: CashFlex (aka: Cash Flex).
Company: Digitonomy Ltd.
Founder: Tim Moss.
Launched: 2014.
Licence: 690249.
Offers: Loan matching for Instalment, personal.
Opening Hours: Monday to Friday (7.30am-5.30pm).
Other Projects: Discussed further below.
Reloan Payouts: NA.
Web: www.cashflex.co.uk.

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