Small loans, simple weekly payments, from people you can actually talk to.
We're a small Cardiff lender, not a call centre. Borrow up to £300 and pay it back over 30 easy weekly instalments — with every cost shown up front.
- Loans of £100 to £300
- Fixed weekly payments over 30 weeks — no hidden fees
- Every cost explained before you sign anything
What would it cost?
Slide to see your exact weekly payment. No surprises.
Based on our standard terms: interest rate 50% (fixed), 86.91% per annum, Representative 330% APR. Written quotations available on request.
Ask about a loanHow it works
Three steps, plain and simple. If a loan isn't right for you, we'll tell you — responsible lending is the whole point.
Get in touch
Call or email us and tell us what you need. We'll take a few details and check the loan is affordable for you — it's a legal requirement, and it protects you too.
Get a clear answer
We'll explain exactly what you'd repay, week by week, and the total cost — in writing, before you agree to anything.
Pay weekly
Fixed weekly payments over 30 weeks by debit card. Pay off early whenever you like. If you ever struggle, talk to us straight away — we're local, and we'll listen.
Can I apply?
We're a responsible lender, so we're up front about who we can lend to. It saves everyone's time — and your credit file.
Applications are subject to an affordability assessment. If you miss a repayment we must report it to credit reference agencies, which may affect your credit rating. Our loans are for short-term use only.
- You're 21 or over
- You live in Cardiff, the Rhondda Valleys or an area we cover
- You're registered to vote at your address
- You're in full-time work
- You have a debit card
- One application per six months
Why borrow local?
Big lenders come and go. We're part of the community we lend in.
Regulated and accountable
Authorised and regulated by the Financial Conduct Authority (FRN 707148) and a member of the Consumer Credit Association (No. 8250).
A person, not a portal
You'll deal with the same people every time. Questions, worries, a bad week — pick up the phone and talk to us.
Nothing hidden
One fixed charge, shown before you sign. No arrangement fees, no charges buried in the small print.
Representative example
£100 loan repayable over 30 weeks. 30 weekly payments of £5.00. Rate of interest 50% (fixed); 86.91% per annum. Representative 330% APR. Total amount payable: £150.
Talk to us
Whether you'd like to ask about a loan or discuss one you already have with us, get in touch — we're happy to help.