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Comparison Pages:

Payday Loans

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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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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PiggyBank Loans | www.piggy-bank.co.uk Reviews

PiggyBank Loans

Intro…

DJS (UK) Ltd was setup in April 2012 and in the same month they got to work on PiggyBank. In those early days they crafted a peer-to-peer payday loan alongside their competitor The Lending Well. This concept didn’t work out, but rather than drop out (as The Lending Well did) they simply adapted to lend out of their own pocket. DJS are a very tech driven organisation with various projects on the go such as the BeFriend app, Leadtree Global and White Label Finance Solutions. They did broker as My Financial Broker that has since closed. There was also a trading name of Aeroplane Loans on their FCA page, but this isn’t active either.

About…

Brand: PiggyBank (aka: Piggy Bank).
Company: DJS (UK) Ltd.
Founder: Dan Ware.
Launched: 2012.
Licence: 660382.
Offers: Instalment, payday, short term (flexible).
Opening Hours: Monday to Thursday (8am-6pm), Friday (8am-4.30pm), Saturday (9am-1pm).
Other Projects: Non.
Web: www.piggy-bank.co.uk.

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CashFloat Loans | www.cashfloat.co.uk Reviews

CashFloat Loans

Intro…

CashFloat is the central lending arm of Western Circle Ltd active both locally and in Spain. The London-based owner that was established in 2011 also operates as Payday Loans Net, PeraLoans (also in Spain) and Quick Loans Express. Western is a modest operation, having helped 20,000 people, but their main company has still emerged as a top 10 payday loan brand in just the space of a few years. Instalment terms are also now targeted, but much of their business is made up in the payday sector thanks to CashFloat’s impressive search engine rankings in this niche. The owner’s other projects haven’t enjoyed the same search traction, although newly formed PDNet is expected to progress well in 2018.

About…

Brand: CashFloat (aka: Cash Float).
Company: Western Circle Ltd.
Founder: Robert Gersohn.
Launched: 2014.
Licence: 714479.
Offers: Instalment, payday.
Opening Hours: Monday to Friday (9am-5.30pm).
Other Projects: Payday Loans Net, PeraLoans, Quick Loans Express.
Web: www.cashfloat.co.uk.

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Auden Loans | www.auden.co.uk Reviews

Auden Loans

Intro…

Uberima was launched in late 2014. This company flew under the radar not making quite an impact. They opted to start over in 2017 and did so using the more catchy Auden brand. This is a Manchester-based for profit social enterprise intent on delivering affordable credit to those underserved and overcharged. This is not the first company to arrive with big ambitions to take on the major brands. Fair Finance and My Home Finance (now closed) went down this road, but low pricing hasn’t evidently been enough on its own. The top 10 instalment firms all rank within 30,000 (local Alexa) and so heavy ad spends be that through TV or web ads are essential to battle for business.

About…

Brand: Auden.
Company: Auden Group Ltd.
Founder: Ged O’Neill and Giles Harridge.
Launched: 2017 (2014 as Uberima).
Licence: 674148.
Offers: Instalment, payday, personal, short term (flexible).
Opening Hours: Monday to Friday (9.30am-5.30pm).
Other Projects: Non.
Web: www.auden.co.uk.

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Cash Asap Loans | www.cashasap.co.uk Reviews

Cash Asap Loans

Intro…

Cash Asap has been in business since the year 2012. The owner (Apfin Ltd) lends through this single company, but they have recently created a new brokerage project (styled CLEARandFAIR). We checked this out and it was still under development. Asap’s growth has been steady over the years. They have flew under the radar that is a shame as their flexible short term loans are well packaged, serving as an ideal Wonga alternative. Flexibility is a key feature delivered in the amounts and terms. Their service is available across weekends and they have an interesting promotion called #PriceCheck that hands incentive to those that at least see if they can get approved for a loan.

About…

Brand: Cash Asap (aka: CashAsap).
Company: Apfin Ltd.
Founder: Pavel Okhotin.
Launched: 2012.
Licence: 673186.
Offers: Instalment, payday, short term (flexible).
Opening Hours: Monday to Friday (8am-9pm), Saturday (8am-7pm), Sunday (9am-7pm).
Other Projects: Non.
Web: www.cashasap.co.uk.

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Drafty Loans | www.drafty.co.uk Reviews

Drafty Loans

Intro…

Drafty’s flexible service was developed by Global Analytics who have proven industry credentials through Lending Stream that has been active since 2008. This fresh project was put forward to bring something new to the table. This was well achieved through this excellent overdraft alternative that provides greater flexibility than Stream that itself is fixed at 6 month borrowing. Pricing is also much more competitive and so the targeting here is more aligned with fairer credit scores than the usual bad credit audience. This company was initially tested throughout 2015 and the full launch followed in July 2016. Growth to date has been steady, but we have yet to see TV ads as the owner’s core brand receives.

About…

Brand: Drafty.
Company: Gain Credit Llc (subsidiary of Global Analytics Holdings Inc).
Founder: Krishna Gopinathan.
Launched: 2016.
Licence: 689378.
Offers: Credit line, instalment, payday, personal, short term (flexible).
Opening Hours: Monday to Sunday (7am-10pm).
Other Projects: Lending Stream.
Web: www.drafty.co.uk.

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Fernovo Loans | www.fernovo.com Reviews

Fernovo Loans

Intro…

Fernovo is a fresh newcomer for the 2017 year, released by Quidie Ltd who are otherwise known for Quidie Online Lending that has been active since 2015. The owner in fact started up back in June 2012 and so they certainly took their time to get up and running. Quidie’s initial market progress was good, but they soon began to fade out. Google Trends data however shows a recent spike in popularity across 2017 and now we have also seen Fernovo’s recent launch that highlights the owner’s raised ambitions. This new company has some impressive product features, but it is their low interest rate that stands out the most at just 0.5% daily.

About…

Brand: Fernovo (aka: Fernovo Online Lending).
Company: Quidie Ltd.
Founder: Morisso Taieb.
Launched: 2017.
Licence: 674141.
Offers: Instalment, payday.
Opening Hours: Monday to Friday (9am-6pm).
Other Projects: Quidie.
Web: www.fernovo.com.

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Tappily Loans | www.tappily.co.uk Reviews

Tappily Loans

Intro…

Tappily is an impressive new venture from the same team behind the award winning SafetyNet Credit. A similar flexible revolving credit facility with built in overdraft protection is packaged. Larger loan sums and lower pricing has however been added. This will supplement SafetyNet well especially since you can’t borrow more than £500 there. The chances are that it was however pitched more to fight off the challenge from Lending Stream’s Drafty that has been making big gains in the credit line niche. SafetyNet’s growth has rocketed in recent years and they are now a major force. Can Tappily’s growth match? Only time will tell, but heavy ad spends will be critical to get the project off the ground.

About…

Brand: Tappily.
Company: Indigo Michael Ltd.
Founder: Iain McKenzie.
Launched: 2017.
Licence: 715525.
Offers: Credit line, instalment, payday, personal, short term (flexible).
Opening Hours: Monday to Friday (8am-7pm), Saturday (9am-5pm).
Other Projects: SafetyNet Credit.
Web: www.tappily.co.uk.

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Sunny Loans | www.sunny.co.uk Reviews

Sunny Loans

Intro…

Mega ad spends have pushed this brand firmly into the limelight as the UK’s top instalment loan solution. They did have to grow quickly after only being introduced in 2013. You can however trace their roots back to 2004 through 1 Month Loan that the owner acquired from Fortress Group (UK) Ltd and then rebranded. This owner is Elevate Credit (previously Think Finance) who are based in Fort Worth in Texas. A secondary project called Quid was active for some time, but this was later closed. This leaves the single British operation and then in the owner’s home country they also run Elastic and Rise. Across this trio of companies they serve 1.8 million customers.

About…

Brand: Sunny.
Company: Elevate Credit International Ltd (subsidiary of Elevate Credit Inc).
Founder: Ken Rees.
Launched: 2013 (2004 as 1 Month Loan).
Licence: 673771.
Offers: Instalment, personal.
Opening Hours: Monday to Thursday (8.30am-7pm), Friday (8am-5pm), Saturday to Sunday (10am-3.30pm).
Other Projects: Non.
Web: www.sunny.co.uk.

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