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247Moneybox Loans | Reviews

247Moneybox Loans

About 247Moneybox Loans (Closed = Further Details to Follow Soon)

247Moneybox is one the UK’s largest payday lenders. This brand is the sole operation of Active Securities Ltd that was incorporated in 2006. 247Moneybox’s launch would follow a few years later in 2009 and so they have just marked their impressive 10 year anniversary. Outside of the UK, this project had been extended to Canada and New Zealand. Both sites were however soon taken down. As suggested by the name, this service operates as a “24/7 Money Box” hence you (as an existing customer) can request subsequent borrowings on any day around the clock. It should be noted however that their customer support hours are restricted to Monday to Friday (8.30am to 6pm).

When applying for the first time at you’ll be able to access a modest £200 max, but in the future this limit is increased to £800. When price capping hit the payday sector we saw most lenders adapt to cater instalments, but this company opted to stick with their original monthly-only service. This experienced lender has clearly benefited from the closure of such heavyweight brands as PaydayUK, WageDayAdvance and Wonga. Regardless of these key closures, this is still a tricky sector to compete in and they’ve grown impressively through minimal advertising. Even still, they’ve attracted more than 83,000 fans on Facebook alongside attracting over 3700 reviews on Trustpilot where their rating is fair at 81%.


On Stride Financial Loans | Reviews

On Stride Financial Loans

About On Stride Financial Loans (Closed = Further Details to Follow Soon)

On Stride Financial was launched in 2014 to fill the market demand of large personal loans for bad credit without a guarantor. There have been various product changes over the years. They historically offered £1k to £10k (1-5 yrs) and then £1k to £3k (1-2 yrs). A significant change occurred recently in early 2019 when the owner (Enova) opted to close down the Pounds to Pocket brand. As a result, they adapted their full monthly range of 6 to 12 months. As well as this you can pick 15, 18, 21, 24, 27, 30, 33 or 36 months. The complete loan range is £150 to £5000. As well as Stride’s service, Enova has continued to operate QuickQuid for payday.

The popularity of has been sporadic. There was a significant spike recently when P2P closed since they advise users to move across on that side. Their local Alexa rank had climbed to #24,029. They have now lost this and rank globally at around 500k. Advertising is generally low key here and unlike other Enova projects hasn’t benefited from TV ads. This service is equipped with variable rates across multiple tiers. The most expensive charges are key since these tie in with the representative examples that most people pay. The difference between £300 at 6 months is £45.24 (prime) vs £280.95 (subprime). Stride’s hours have recently extended to 7/7. Feedback has been mixed noting 96% (Reviews) vs 30% (Trustpilot).


Swift Sterling Loans | Reviews

Swift Sterling Loans

About Swift Sterling Loans (Closed = Further Details to Follow Soon)

Swift Sterling was brought to market in 2010 by the controversial Malta-based Northway Financial Ltd. This was Northway’s 2nd local project as they had got under way with Pounds Till Payday way back in 2006. PTP is no longer lending having recently been passed on for use by a broker (RU Media UK). There had been problems with the owner Stateside regarding licensing and this was also the case in the UK. This is likely why they had to sell the business. For some time, the sites were down, but it was later announced that MMP Financial would acquire in November 2015, with trading recommencing in December. MMP has done a good job since taking over.

Swift’s popularity isn’t however close to their peak years between 2012 and 2013. The product itself hasn’t changed considerably over the years. There was originally a monthly-only term, but you can now pick between 1 and 5 months. The opening hours have tended to change every so often. It is impressive to see such late closings on Saturdays (11.30pm) and Sundays (10.30pm). It is surprising that this firm has so little feedback on the major review portals. On both and Trustpilot they had less than 10 reviews posted on each. More would be expected from a lender that was historically one of the top lenders outside the top 5.


Capfin Loans | Reviews

Capfin Loans

About Capfin Loans (Closed)

Capfin had a planned UK launch of 2015, but there was a delay until 2017 when they finally got under way, operating from Milton Keynes. This brand had been trading in South Africa since April 2011. They would in time also spread out to Australia. These sites are still live, but the Aussie site wasn’t taking applications on a previous check. When visiting now, a notice of the closure is made dated April 2019. Learning of Capfin’s closure didn’t come as a big surprise as they never managed to gain any traction with their Alexa traffic ranks always trailing way behind the leading brands. Investment from their high profile owner was certainly necessary.

In control was Steinhoff International Holdings NV who specialise in furniture and household goods, controlling the established Bensons for Beds and Harveys Furniture brands here in the UK. They also acquired Poundland back in 2016 that they acquired for £610 million. Financial services obviously isn’t their area of expertise, but surely some investment and patience could have been set aside here. When it came to the product pitched, this was quite a restricted loan available on a 6 month term on small amounts of £200 to £500. The pricing was quite competitive at £162.30 for £300 borrowed. There were no late fees charged and they were more lenient than usual instalment lenders.


PiggyBank Loans | Reviews

PiggyBank Loans

About PiggyBank Loans (Closed = Further Details to Follow Soon)

PiggyBank was launched in early 2012 by DJS (UK) Ltd. At launch, they rolled out a peer-to-peer payday loan that would compete against The Lending Well who tried out the same concept. P2P however turned out to be a bad idea in this sector and The Lending Well soon closed. This featured lender simply adapted to lend out of their own pockets. Piggy’s progress has continuously risen over the years. Whilst many firms have lost ground and struggled, this company always manages to attain top 5 Alexa ranks. On our most recent search they even sneaked 2nd place for payday loans, only trailing QuickQuid. Just how has DJS managed to compete so impressively?

This is difficult to determine, but we do tend to see frequent ad campaigns running in Google that will be sending plenty of visitors their way. Whilst they are attracting many visits, it is equally important to see high praise from their customer base. Evidence of this can be seen on Feefo where they rate at 94% and that’s from 500 reviews across the period of a year. Feefo’s always a good platform to pay attention to this since they validate sales to evade the fake reviews that pollute other platforms. PiggyBank’s product is packaged well for flexibility. Short term repay options of 7 to 35 days plus instalment choices across 2 to 5 months are available.


Track Loans | Reviews

Track Loans

About Track Loans (Closed)

Track Loans looked to have great potential when they launched on the market back in 2017. “Your Route to Affordable Finance” was headlined on where for a short time you could receive the cheapest instalment loans with bad credit. Unfortunately, this project closed without any notice being given. From studying Wayback Machine, the site was taken offline in 2018. As it stands, secure visits (https) redirect to They haven’t however redirected correctly on non-secure visits (http) where you’ll be shown an index listing error. The owners were Street (UK) Cic who formed in 1999 with Street UK later trading from September 2000. Cic for reference refers to the “community interest company” business structure.

Street’s product is restricted to West Midlands. All customers must reside within 15 miles of a branch. 2 of these are located in Birmingham whilst single branches are located in Walsall, West Bromwich and Wolverhampton. The Track loan project was initially unveiled in 2017 as a localised service, but they soon upgraded to cover all areas of England and Wales. Track’s USP was their excellent value that was passed on to those unable to qualify elsewhere. The term range offered was 3 to 6 months and their pricing over these terms at £300 came in at £59.46 (3m) and £108.66 (6m). Both examples were the cheapest bad credit instalment deals available at that time.


Pounds to Pocket Loans | Reviews

Pounds to Pocket Loans

About Pounds to Pocket Loans (Closed)

Pounds to Pocket closed quietly sometime in the early stages of 2019. This hasn’t been a forced closure, but rather a business move on their part to merge P2P with On Stride Financial. A notice of the change currently shows on and there is a login button that’ll redirect to Stride’s site where the same login details can be used by existing customers. When learning of this development, it was surprising that they’d fuse 2 very different products on the repayment side. Fortunately, there has been a restructure and so you can find the same 6 to 12 month options with Stride’s product that now spans between 6 and 36 months (previously 1 to 2 years).

To cover the background, the Pounds to Pocket loans were unleashed on the market in the year 2010. This was formed to support the QuickQuid brand that was already firmly established on the payday market. Enova International are in charge after they took over from Cash America after Enova was spun off from the organisation. At launch a set 12 month loan was provided and they operated 24/7. The flexibility was enhanced to begin at 6 months whilst the call centre hours were brought back to Monday to Friday (8am-9pm) and Saturday to Sunday (10am-6.30pm). The company grew very quickly after early investment in TV advertising that rocketed the project firmly into the limelight.


WageDayAdvance Loans | Reviews

WageDayAdvance Loans

About WageDayAdvance Loans (Closed)

Curo Transatlantic Ltd (a subsidiary of Curo Financial Technologies Corp) entered administration in February 2019 that sunk with it WageDayAdvance (aka Wage Day Advance) and Juo Loans. This closure was caused by a wave of compensation claims mimicking the same fate as Wonga who closed in August 2018. It is common for loan books to be sold on to debt collectors, but WageDay’s business plus assets have headed to Shelby Finance Ltd for £8.5m. Shelby is part of Morses Club that outside of doorstep lending trades as Dot Dot Loans. With bad debts nuked, around 50,000 customers have moved across. The employees have also moved with the call centre and decision platform being part of the deal.

WageDayAdvance (WDA) had been one of the longest running payday lenders active at since 2004. The business was formed by former pawnbroker Dale Chapman who successfully guided a highly profitable payday lender over a decade. WDA that helped to put Skipton on the map was took over from America’s Curo in early 2013. WageDay’s initial focus was monthly-only lending, but they later extended to cater instalments between 1 and 6 months. Customers could receive between £80 to £500 when new and £1000 when reloaning. The company operated 7/7 between Monday and Friday (8am-8pm), Saturday (9am-5pm) and Sunday (10am-4pm). Monthly pricing was price capped (£24 per £100). For instalments per £300, they charged £211.20 (3m) and £253.99 (6m).


QuickQuid Loans | Reviews

QuickQuid Loans

About QuickQuid Loans (Closed = Further Details to Follow Soon)

QuickQuid is the UK’s biggest payday lender with a 1.4 million customer base (not all active) and a commanding #1 Alexa traffic ranking. They had for many years trailed Wonga, but this changed in August 2018 when Wonga’s UK arm entered administration due to a surge in compensation claims. Other key past rivals like PaydayUK and WageDayAdvance also closed their businesses. Closures like this have eased QuickQuid’s pathway, but you have to remember that this is an experienced outfit in operation since 2007 with excellent visibility via TV ads and web promotion. This company was brought to life by U.S giant Cash America International. Ownership has however been passed on to Enova who were a past division of Cash America.

Enova also trades locally as On Stride Financial. Pounds to Pocket was Enova’s major side project, but this was recently closed and merged with Stride. QuickQuid’s product hasn’t changed much over time. Many payday firms switched to instalments when capping came into force, but QQ was already kind of crossed over in offering either a 1, 2 or 3 monthly repayment. Unfortunately, you’re paying either double or triple the monthly cost, whereas elsewhere for longer terms you typically pay reduced interest. This lender was also originally a 24/7 operation before cutting back (still 7/7). Pricing is set against the cap, but first time borrowers can receive a small discount via QuickQuid’s promo code as detailed below.


Wonga Loans | Reviews

Wonga Loans

About Wonga Loans (Closed)

The once dominant payday giant Wonga closed their doors for business in August 2018. The lender collapsed into administration after a wrath of compensation claims. They were however already skating on thin ice through capping, fines and write-offs. Some may have seen the writing on the wall when they reported a heavy after tax loss of £76.5 million across 2015. The local site at is still live to highlight the administration notice and the Wonga claims portals is also in place here. Whilst the UK business has closed, the brand is still active overseas. The Spanish site has recently closed, but they are still actively trading in Poland and South Africa.

Going back to Wonga’s origins, they started out in the year 2007. The market leader at this time was PaydayUK, with QuickQuid later challenging them. Wonga’s growth come after a few years when their enhanced flexible payday loan alternative started to gather real traction. Back then they operated 24/7 and paid out quickly for just several pounds extra at a time (competitors usually charged expensive CHAPS fees). Rather than borrowing monthly, the customer could choose what specific day they could repay. The amounts rather than starting at £100 also moved in small £1 increments starting from £1. This was later bumped to £50+ and their 24/7 hours were cut back to Mon/Sat (7am-8pm) and Sun (8am-5pm).


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