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Track Loans | Reviews

Track Loans


Street (UK) Cic was formed back in 1999. Cic refers to their business structure as a community interest company. The initial project unleashed was Street UK that was in September 2000. They went on to build out 5 branches across the West Midlands. 2 of which are located in Birmingham and then there is a single branch in Walsall, West Bromwich and Wolverhampton. Whilst becoming quite popular, coverage has been restricted to within 15 miles of a branch. Track Loans arrived recently in 2017 and enjoyed swift early growth. Whilst they too had started localised, they have now become nationwide that is great news for those seeking a low rate loan with bad credit.


Brand: Track Loans (aka: TrackLoans).
Company: Street (UK) Cic.
Founder: Unknown.
Launched: 2017.
Licence: 673046.
Offers: Instalment.
Opening Hours: Monday to Friday (9.30am-5pm).
Other Projects: Street UK.


Address: 50 Cliveland Street, Birmingham, B19 3SH.
Phone: 0330 024 9803.


Alexa Rank (Local): #70,295.
Facebook Page: 1700+.


£59.46 /£300 (3m).
£108.66 /£300 (6m).


Amounts: £100 to £500.
Amounts: As above (when reloaning).
Amount Selections: £25 increments.
Late Payment Fee: £0.
Terms: 3 to 6 months.

*Applications are now open to individuals who live in England and Wales.

Service Pros…

Excellent instalment loan value is up for grabs here across every available term. They compare particularly well over 3 months where the only cheaper active lender is Drafty at £48.60. They are however very selective with who gets approved. At the 6 month point, they also rank up there with the best of them, but are edged out by other subprime offerings from Fair Finance and SafetyNet (due to their cap). There are no fees charged here (just low interest). There have been a fair few lenders popping up in 2017, but non of which have enjoyed the same traction as seen here, proven by their Alexa ranking and growing following on Facebook.

Service Cons…

With all circumstances being considered, they have took the careful approach of restricting the levels of funding available. £500 is the top sum for all that would ideally be higher when reloaning. The business hours are also cut back to standard working hours throughout the week and so there is no chance of a weekend payout. Most big name instalment brands in contrast can send cash 7/7. As a newly formed project there aren’t any reviews circulating and so it isn’t clear how well they are performing as a nationwide service. They have at least proven themselves across the West Midlands where the original company has advanced £15 million making over 31,000 loans.

Similar Lenders Like Track Loans…

Fair Finance is one of the best alternatives based on competitive subprime value. At 6 months they ask for £88 per £300 that is an improved deal. They are also more flexible offering repayments spanning 6 to 18 months as well as sizeable borrowing of £1000 for new applicants and £3000 when reloaning. Track’s 3 month charge does stand out. There are other lenders that offer decent value over this short period such as Fernovo, JL Money, Quick Loan Shop and SafetyNet Credit. Of these examples, SafetyNet would be the top pick based on their 24/7 payouts (once joined), their interest cap and overdraft protection.

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 2 reviews
by frank standring on Reviews

ime interested in a loan

by Jezza on Reviews

Love the price. Much better than those rip off payday rates.