Welcome to The Money Co. 

Compare Direct Lenders of Short Term Loans

We recieve no commission from the lenders and charge nothing for this service!

This site offers a simple way of identifying UK  Payday Loan 

and 

Installment Loan Lenders.


We have reviewed many direct payday loan lenders and have given each a star rating based on the experience we had with the company. 

The ratings are as follows:



The payday loan industry is going through a massive change and a lot of the lenders will now struggle to survive unless they provide a top class service to their customers. In our review we have marked down companies that still think it is fair to charge fees to extend the loan or transfer the money to the customer. These are unreasonable fees and should be banned. There is typically a cost of around £0.50 to send money to a bank account using Faster Payments, yet there are still lenders who are charging fees of around £5 to send the money.

It is important to understand that we do not just identify Payday Loans, but also Installment loans. An installment loan may be more suitable to most people than a Payday Loan as the repayment of the loan and capital is spread over multiple months making them so much more affordable. 

But a lot of people love Payday Loans so we show both.

No matter what your situation is in life, having more options at your disposal should be considered a positive thing. There will be times when it seems like having too many choices will be of detriment, forcing you to weigh up your options, but on the whole, too much is better than too little. This is especially true when it comes to your finances and the more options you have to improve your finances will help you to remain on track.

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When it comes to taking out a payday loan, some people will like the idea of the loan but will find the premise of paying it all back within one month to be too severe. Depending on how much money a person needs to borrow, and the subsequent fee that they need to pay back, 30 days may be too tight a deadline to pay all the money back. This is where many people fall into financial difficulty and it can lead to a chain of events that only make a person’s financial situation a lot more difficult.

This is where it is good to get a range of options and if you are looking to pay money back over a longer period of time, 3 month payday loans are likely to be ideal for your needs. The premise of these loans is the same as the short term loan that is commonly known in the UK but there is a lengthier period of time to pay the money back. It is important to remember that the longer pay-back time means that people will pay more for the servic
e. This is down to the interest charge, so it is important to work out whether you can afford the additional costs caused by taking a longer payment plan.

The reason that so many people benefit from 3 month payday loans comes with the fact that there is an opportunity to make lower monthly payments. While the overall amount of money that is being paid to the payday loan company is larger for a three month loan than a one month loan, the payment will be broken down into three different payments. This may help people to bring the sum of money they need to pay each month into a more manageable level for their budget. This is why it is always important to consider all of your options when it comes to payday loans.


It is important to make sure, in the first place, that a payday loan is right for you. A lot of the controversy around payday loans comes from the fact that people are taking out these loans when they shouldn’t be or they should be exploring other options. This is where there is a need for the media to provide more support for all of the financial options that are available and the
re is a need for people to be savvier with their research. There are plenty of occasions where a payday loan makes sense and this should always be borne in mind by people.


Once you have determined that a payday loan is the right solution for your financial needs, it is important to calculate if a one month loan or a three month loan is the one that is right for you. Most reputable online payday loan sites will have a payday loan cal
culator which will let you figure out the repayment terms and conditions for every possible loan. It makes sense to take the time to play around with different permutations to ensure that you are comfortable with the loan that you eventually take out.


A 3 month payday loan may provide the financial assistance that some people are looking for. If you need funds in a hurry but would prefer more time in paying back the loan, make sure you have examined all of the available options.










Warning: Late repayment can cause you serious money problems. 

For help, go to moneyadviceservice.org.uk



© the money co 2014