Why Choose Track Loans?

At Track Loans we are proud to offer ethical and affordable short term loans with interest rates that only cover the cost of providing the service.

Looking for an affordable alternative to payday loans? Here’s why you should choose us:

  • Track Loans is cheaper than most online lenders
  • Easy application process
  • Repayment flexibility to ensure your loan is manageable
  • No fees for early or late repayment
  • No hidden terms & conditions

Our 201% APR is only a fraction of what other online lenders charge, making our personal loans much more affordable.

Applying for a loan with Track Loans is easy and straightforward, with not complicated steps and no hidden fine print.

You can choose to pay your loan according to your income, weekly, fort-nightly, four-weekly or monthly, and we charge no fees for providing the loan.

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

Our terms and conditions are clear and easy to understand, and we pride ourselves in our commitment to treat customers fairly. We have support available in case you have queries about your loan and we will provide you with all the information you need to make an informed decision.

About Track Loans

Track Loans is a not for profit loan company. What does that mean? It means that we are different to other loan companies who have shareholders, pay dividend or share profits with investors.

We setup Track Loans in 2016 with the aim to provide affordable short term loans at interest rates that only cover the cost of providing the service. Track Loans is an alternative to high cost short term credit providers who charge extortionately high rates of interest.

Financial Conduct Authority (FCA) regulations introduced in January 2015 which limits what those lenders can charge to 0.08% per day. Track Loans charge 0.02%, which is ¼ of the price cap.

Track Loans is a trading name of Street UK which is a Community Interest Company (CIC), Street UK (CIC) has been operating since 2001 providing affordable financial products and services helping thousands of people with affordable credit.

Street UK (CIC) t/a Track Loans is fully authorised and regulated by the FCA (No. 673046), we are also registered with the Information Commissioners Office (No. Z4788287) and comply with Data Protection Act 1998 and the Privacy and Electronic Communications Regulations 2003.

Our mission

Our mission is to offer an affordable alternative to high cost providers of credit on a sustainable basis.

As an ethical lender, we are transparent in our pricing and responsible in our lending. Whether you are an in branch customer struggling to obtain finance from expensive money shops or an online customer looking for the best APR representative, our aim is to offer the best personal loan to fit your needs and your pocket!


Can we help you?

We will only consider providing you with credit if we believe you can afford it.

If we can’t provide you with credit, we will explain why and offer you helpful advice and support.

What we have done

We have advanced more than £15 million making over 31,000 loans, providing a vital service to customers who would have otherwise been at the mercy of high-cost lenders.