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

Amount of credit: £1200 for 18 months at £90.46 per month. Total amount repayable of £1628.28 Interest: £428.28. Interest rate: 49.9% pa (variable)
Representative 49.9% APR Variable
Rates between 9.9% APR to Maximum 1294% APR
Loan term lengths between 3 and 60 months



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

THINK CAREFULLY BEFORE SECURING DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER LOAN SECURED AGAINST IT.
IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERM OF THE DEBT AND INCREASING THE TOTAL AMOUNT TO REPAY

The time that it takes for the cash to be received in your account will depend on the lender that has accepted you, the amount you have applied for, the lenders processing times and on your bank's policies and procedures. If we are unable to find the exact amount and/or term that you have requested, our lenders may offer you an alternative amount and/or term. There is no obligation to accept the alternative offer if it doesn't meet your needs. Please refer to their Terms & Conditions for further information.

Light Finance are a credit broker, not a direct lender

Why Light Finance Is So Popular

All Credit Types Welcome
Instant Online Quote
Used by 1000s of People Daily
No Paperwork
Totally Confidential
We Don't Charge Fees

To Give You Total Peace Of Mind

If you are applying for a loan online, it is important that you choose a reputable company. Before you apply, here's a little bit of information to put your mind at ease.

We are registered with the ICO

We are registered with the Information Commissioner (ICO) under number ZB053626.

We are GDPR compliant

We fully comply with UK data protection laws and specifically our responsibility to our customers under GDPR. We are always clear and transparent with regards to how your data will be processed.

Looking for a short term loan? Get an instant online decision today.

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Used by 1000s of people every day

We don't charge fees

Light Finance is an online loan broker for the short-term loan, instalment loan and personal loan market. Working alongside some of the biggest direct lenders, we remove the need to search multiple different unsecured loan providers; instead we do all of the hard work for you searching a panel of more than 50 direct lenders and brokers in real time, to return a quick loan decision.

If you need a loan for any legal purpose, then we can help. Looking for a new car loan, or perhaps you simply need some short term cash to pay bills or an emergency loan for some other reason? Whatever your requirements, simply complete our short form and you will receive an instant online decision.

Once you submit an application, our smart loan sourcing engine instantly searches 100s of short term loan products and puts you in touch with a suitable direct lender / broker. If we are unable to source a loan for you, we may offer an alternative product such as a credit card or credit reporting product.

We regret to inform customers that we do not offer pay day loans or no credit check loans however, our short term loans are a great alternative to a traditional pay day loan (although acceptance is not guaranteed).

Light Finance is a trading style of TFLI (US) INC who is an Appointed Representative of TFLI Limited, who is a licensed credit broker and not a lender.

Note: No one from Light Finance or any financial partner will ever contact you and request you to send money or ask you to buy any products prior to receiving your loan.*

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Representative example:

Amount of credit: £1200 for 18 months at £90.46 per month. Total amount repayable of £1628.28 Interest: £428.28. Interest rate: 49.9% pa (variable)
Representative 49.9% APR Variable
Rates between 9.9% APR to Maximum 1294% APR
Light Finance offer loan term lengths between 3 and 60 months
Applicants must be over the age 18 and a UK resident to apply. All applications will be subject to credit checks which could result in the search being recorded on your credit file. The credit check process could potentially have damaging influences on your credit file. All affordability assessments will be carried out in line with the individual direct lenders lending criteria.

Short term loans are not a suitable solution for people in financial difficulty or for longer term borrowing. Late repayments or missed payments may be reported to the credit reference agencies, which may affect your credit rating and could make obtaining a loan in the future more difficult and expensive.




Should you have any questions, we recommend that you take a moment to read our Key Information. Refer to our Privacy Policy for important information on the use of cookies. By continuing to use this website, you agree to this.

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

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TFLI (US) INC is an Appointed Representative of TFLI Limited, who acts as a credit broker and is not a lender. We use a consumer application system to allow our customers to make applications to a number of loan providers and brokers using a single online application form.

We work exclusively with a selected group of lenders and credit brokers to offer you a range of credit and loan products. We may receive a percentage of the loan amount as a commission from a loan provider or broker if you take out one of their products and/or we may receive a fee for introducing you to them.

You can request details of these commissions or fees, by emailing us at fees@tfli.us. We will then provide you with the precise amount of the commission or fee or, where that amount is not known, the likely amount. Please note that the lender or broker we direct you to may not offer the cheapest loan that is available to meet your needs.

When you apply for a loan through us the lender will disclose directly to you all of the relevant information relating to interest and charges associated with the loan.

*The majority of loan applications are processed online, however there are circumstances where our lenders will need to call you. Further information relating to why lenders will need to call you is disclosed within their terms & conditions.

TFLI (US) INC is an Appointed Representative of TFLI Limited and is entered on the Financial Services Register under reference number: 723630. TFLI (US) INC is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 946605. TFLI (US) INC is registered in United States of America (Company number P20000059850).

Registered Office: 5805 Blue Lagoon Drive Suite 200. Miami, Florida, 33126. Licenced by the Information Commissioner’s Office, Registration Number ZB053626.