H&T Pawnbrokers Loans | www.handt.co.uk Reviews

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H&T Pawnbrokers Loans

About H&T Pawnbrokers Loans

H&T (Harvey & Thompson) is the UK’s largest pawnbroker with a vast network of 254 stores. They are also one of the most historic retail brands dating back to 1897. Pawnbroking is central with various other services offered from cheque cashing, to gold buying, to travel money etc. Personal loans were rolled out in all stores in September 2013 (their actual online launch is unknown). In recent years they also offered shorter instalment options, but there was a pause on lending in 2019 and they’ve come back without instalments. Compensation was the worry during this period, but they’ve survived this, that wasn’t the case with their retail rival The Money Shop who have now closed business for good.

TMS at their peak built up an impressive 550 stores. This shrunk down to 300, but they were still dominant. Without them it is clear that H&T’s opportunity to dominate retail lending is there for the taking. It is noted that there have been 250,000+ loan customers (inc pawn products) to date. The H&T loans can be accessed both online or through any of their 250+ stores. These are open Monday to Saturday with varying times across locations, but 9am to 5pm is common. They are fortunately in operation online 7 days a week. When applying your income is verified by Open Banking technology. It is then passed to their underwriting team and then quickly paid out.

The 12 to 36 month term range offered here is impressive as you can actually pick any single month between this range. Between £500 and £5000 can be applied for even if you are a first time borrower. H&T’s pricing is competitively pitched. Over a full year you’d pay £391.52 for £1000. There are no late fees charged and their feedback on Trustpilot has been picking up considerably. They’ve now attracted 3700+ feedback and have earned a high 98% score. They don’t expand much on bad credit, just noting that you’ll need to be earning at least £750 per month. They’ve unfortunately removed their BuyBack scheme that was ideal for those seeking no credit checks on electrical item buybacks.

Company Details

Address: Times House, Throwley Way, Sutton, SM1 4AF

Brand: H&T Pawnbrokers (aka: H&T Finance, H&T Loans, Harvey & Thompson)

Company: Harvey & Thompson Ltd (subsidiary of H&T Group Plc)

Contact (📧): info@handt.co.uk

Contact (☎): 0800 085 1090

FCA Licence: 677994

Launched: 1897 (history) | 2013 (product)

Niche: Personal

Opening Hours: Mon/Fri (8am-7pm), Sat (9am-6pm), Sun (10am-4pm)

Related Brands: Non

Site Address: www.handt.co.uk

Site Rank (Alexa.com Global): #2,582,424

Product Specs

Amounts Available: £500 to £5000

Late Payment Fee: £0

Login Provided: Yes

Pricing: £391.52 /£1000 (12m) & £823.04 /£1000 (24m)

Repayment Terms: 12 to 36 months (any month between)

Review Feedback

Feefo: Not listed

Reviews: Not listed

Trustpilot: 98% (3740+ count)

Rivals & Similar Lenders Like H&T Pawnbrokers

With The Money Shop closed, this lender will be the first choice for many to borrow on the high street. A key retail competitor still active is Everyday Loans who themselves have a 70+ network. It’s a shame with Everyday that the process must be completed in-store, but they will be able to deliver higher acceptance rates. Both of these firms for reference have very closely matched Alexa traffic ranks. There isn’t a high volume of competitors providing unsecured bad credit long term loans. There are however some key players noting Bamboo, Dot Dot, Likely, Oakam etc. We touched on H&T’s buyback product above that is no longer available. You can get these today at Cash Converters and Cash Generator. We’ll be exploring this niche further soon.

Last Check @ www.handt.co.uk: April 29th, 2021

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