Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

Alternative to a Payday Loan

Are you looking for an alternative to a payday loan? With The Loan Tree, you can apply to borrow money from anywhere between 3 and 36 months. Simply choose the amount you would like to borrow, the length of time you would like to borrow for and click the apply button!

  • No fees
  • Easy application process
  • Instant decision

Borrow £100 to £5000

Get your money by ::*

Loan Amount


Secure UK Site

Representative Example: Amount of credit £1200.00 for 18 months at £90.46 per month. Total amount repayable is £1628.28. Interest: £428.28. Interest rate 49.9% p.a. (variable).

Representative 49.9% APR

Rates from 39.9% APR to 1333% APR

Loan terms between 3 and 60 months



MediaBlanket Ltd is a Licensed Credit Broker We are not a lender

Alternative to a Payday Loan

What is a payday loan?

A payday loan is the term given to a type of credit that a person may take out with the intention that it will be paid back to the lender on their next payday. Payday loans usually come with a higher repayment interest than a regular short term loan.

What is a payday loan used for?

Payday loans are usually taken out to cover someone financially until their next payday. There could be a number of reasons for needing a payday loan, but the most prevalent is so that a person can cover an emergency cost that they wouldn’t have otherwise been able to afford with their remaining monthly budget. An emergency cost could be anything from having to repair a broken-down car to replacing a washing machine.

How do The Loan Tree loans differ to payday loans?

At The Loan Tree, we can offer you an alternative to a payday loan. We connect people to loans that range from 3 months, up to 36 months. You just need to decide on what time period enables you to comfortably pay back your loan.

How do I apply for a loan with The Loan Tree?

Applying for a loan with The Loan Tree has been made simple so that we are able to quickly provide you with a decision. By clicking the ‘Apply Now’ button, you will be redirected to our application form. Here, you will be asked to provide a few personal details, the loan amount you require, the time period in which you are looking to borrow for and the reason for your loan. After you have submitted your loan application, we will put you in touch with a lender who agrees in principal to offer you a loan. Our service is completely free of charge!

When applying for a loan, lenders may look at your credit score as part of the application process. It is recommended that you check your credit report and score prior to making an application for credit so that you can make sure that what is on there is accurate. You can use our FREE* credit reporting tool Credit Knowledge today to check your score!

Am I eligible to apply for a loan with The Loan Tree?

To apply for a loan with The Loan Tree, you will need to be a current UK resident with an active UK bank account, over the age of 18, earning £800 per month or above, and be employed. Try out our Loan Eligibility Checker (link to application page) if you are unsure.

Before applying for any type of credit, you should make sure that you are able to afford to pay it back.

Apply Now

Advantages of The Loan Tree

  • No Fees
  • Top UK Lenders
  • Get your money by ::*
  • Easy Application
  • Quick Transfers
  • Instant On Screen Decision
  • Poor Credit Options Available
  • All Credit Scores Considered
  • High Approval Rates

Apply Now

Car Loans

A car loan can be a suitable option for you if you want to own the car from day one, and not have to lease or arrange a Hire Purchase Agreement with the dealership or manufacturer.

More Info

Holiday Loans

Have you found the perfect holiday destination, but aren’t sure how you are going to pay for it all upfront? A holiday loan could be the best solution for you.

More Info

Wedding Loans

A wedding loan can help you break up the cost of your wedding by enabling you to combine all of your payments into one simple bill a month.

More Info

Apply with Confidence

By filling out our easy application form, we can help you with loan options!

Our free to use, secure UK website will provide you with an instant decision from our panel of lenders.

Get Loan Offers