Affordable alternative to Payday Loans

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monthly payment


Representative example:
£300 loan repayable over 3 months. 3 monthly payments of £119.82. Rate of interest 79.28% p.a. Fixed. Representative APR 201%. Total amount payable is £359.46.

Loans are payable over 3 to 6 months. Minimum 201% APR. Maximum 201% APR

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Five reasons to choose Track Loans

Representative APR
Late Payment Charges
Not for Profit
Instant Decisions
Flexible Terms
Track Loans
3 to 6 Months
Up to 6 months
Up to 52 Weeks
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Short Term Loans

Get back on track with our affordable short term loans.

Here at Track Loans, we offer ethical and flexible short term loans with interest rates that only cover the cost of providing our service. Our 201% APR is only a fraction of what other online lenders charge, making our short term loans much more affordable.

Applying for a personal loan on our website is easy and straightforward, with no complicated steps and no hidden fees or charges. Plus, you get an immediate decision once your application is complete.

Bad Credit Loans

Do you have bad credit and looking for a quick loan to improve your finances? We offer payday loans with an interest rate that you can afford.

if you are looking to borrow money online from a direct lender, our fast loans can help you save money that you would spend on other online direct lenders.

We also don’t charge any fees for early or late repayment either, which simply means you will only pay interest over the money you borrowed for the time you had the money – nothing else.

Payday Loans Alternative

Looking for an alternative to payday loans? We provide short term loans that can be repaid over 3 to 6 months, thereby offering an affordable alternative to payday loans.

Our short term loans can be repaid weekly, fort-nightly, four-weekly or monthly, and we charge no fees for providing the each loan.

Does this sound good to you? Register now for a quick loan and get a decision instantly.

Who can apply

You must be at least 18 years old, a UK resident and have a UK bank account that accepts Direct Debits. You will need to be working or have a minimum income of £1,000 per month (excluding any housing benefit) in order to apply for a loan.

Currently we provide short term loans to people living in West Midlands (B, CV, DY, WS, WR and WV postcodes) and London, the service will be expanded to further areas soon.

If you live in London boroughs, Birmingham, Coventry, Dudley, Walsall, West Bromwich, Worcester, Wednesbury, Wolverhampton or fall under any of the postcodes above and meet our minimum requirements, you can apply for a loan now.

97% of our customers rate our service as good or excellent

First class very quick and precise on information given. Can't thank you enough
Excellent customer service. Extremely quick and easy process
The service was excellent when I wasn't sure if I had been accepted the customer service was quick and polite I'd recommend esp if you have been declined elsewhere