Tick Tock Loans review plus similar companies

If you have an unexpected expenditure and a poor credit score has limited your options for getting credit, Tick Tock Loans could help with a short term loan of £300 to £1,000 for up to 6 months.

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Tick Tock Loans

A newcomer to the short term loans market, Tick Tock Loans says its “personal touch” is what sets it apart from its competitors. It puts an emphasis on “manual underwriting”: rather than a computer deciding on your loan, a personal account manager considers your application on an individual basis.

Interest rates vary depending on your ability to pay and your employment status. Make sure you always take the time to understand what the exact terms are that you’re being offered before you agree to a loan.

If you are approved for a credit facility with Tick Tock Loans, it acts as a direct lender (not a broker). Tick Tock Loans is authorised and regulated by the Financial Conduct Authority.

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

Please note: High-cost short-term credit is unsuitable for sustained borrowing over long periods and would be expensive as a means of longer-term borrowing.

Key features of Tick Tock Loans

Product NameTick Tock Loans Short Term Loan
Available Amounts£300 to £1,000
Representative APR1,297.93%
New customer maximum£1,000
Loan terms3 months to 6 months
Maximum APR1,250%
Soft search eligibility checkcross
Employer contacted during applicationtick
Funding speedOnce approved for a loan, Tick Tock Loans says that you can expect the money in your bank account within a few hours.
Repayment period optionsMonthly
Default repayment methodDirect debit or Continuous payment authority
Repay early at any pointtick
Parent companySavvy Loans Products Ltd
FCA registration number718888

How does a loan from Tick Tock Loans work?

  1. Use the sliders on the homepage to select how much you can afford to borrow and for how long.
  2. Complete the online application form, which asks for details of your monthly income and expenditures. You need to provide at least 3 months of bank statements to confirm your income.
  3. Tick Tock Loans then performs a full credit search to assess your creditworthiness and ability to repay the loan. This will leave a footprint on your credit file.
  4. Tick Tock Loans decides on your loan within one working day of your application being submitted.
  5. Once approved, you will receive the money in your bank account within a few hours.

How do I pay back my loan?

You have 2 options for repaying your loan:

  1. Direct debit or standing order. Simply complete the online form during your application, and the money will be collected from your bank by monthly instalment on the agreed date.
  2. Continuous Payment Authority (CPA). Many short term loan providers use this method of repayment since it allows them to withdraw money directly from your bank account at any time.

What is a CPA?

A CPA is a recurring payment in which you give a company permission to withdraw money from your account whenever it wishes and to take payments of different amounts without consulting you. Most short term lenders like Tick Tock Loans use CPAs to collect your repayments. However, you can cancel this at any point by either contacting your provider or your bank.

What are the eligibility requirements?

You should only apply for a loan through Tick Tock Loans if you are certain you can meet the repayment terms. You must also meet the following criteria:

ResidencyUK resident
Minimum age18
Additional eligibility notesYou must have a UK bank account.
You must be legally capable of entering into a binding agreement.

Pros and cons


  • Quick access to funds. Tick Tock Loans states that funds should be received in your bank account within a few hours after being approved.
  • Repay early at any point. Tick Tock Loans only charges you for the time you’ve had the money – e.g., if you take a 6 month loan and repay early at 3 months, you only have to pay 3 months interest.


  • High interest rates. As a short term loan, Tick Tock Loans come with a high interest rate. Make sure you exhaust other options before turning to a short term loan.

Did you know?

In 2015, the Financial Conduct Authority (FCA) capped interest and fees on all high-cost short-term credit loans at 0.8% per day.

They additionally capped all default charges at £15 and the total cost of loans (interest and fees) at 100% of the original sum. This means you’ll never have to pay more than double the amount borrowed.

Looking for sites like Tick Tock loans?

These loan companies could offer a comparable alternative to Tick Tock Loans.

NameEstablishedLoan types
Tick Tock Loans Short Term Loan Tick Tock Loans Short Term Loan 2014 Instalment loans More info
Lending Stream Instalment Loan Lending Stream Instalment Loan 2008 Instalment loans Go to site
Moneyboat Short Term Loan Moneyboat Short Term Loan 2011 Instalment loans Go to site
QuidMarket Short Term Loan QuidMarket Short Term Loan 2011 Instalment Loans Go to site
Conduit Short Term Loan Conduit Short Term Loan 2012 Instalment loans Check eligibility

Early repayment options

Repay early at any pointtick
Repaying early can reduce overall interesttick
Phone number0203 743 8668

Tick Tock Loans customer reviews

On Trustpilot, Tick Tock Loans reviews are mixed. Overall, Tick Tock Loans sits at 2.2 stars from 45 reviews, which Trustpilot deems “Poor” (updated February 2024).

5-star reviews said they were impressed with the efficiency and speed of the service. However, 1-star reviews point out slow and negative customer service experiences.

Tick Tock Loans customer support

You can contact Tick Tock Loans by phone on 0203 743 8668 or by email at customerservice@ticktockloans.com.

Our verdict

Tick Tock Loans could help you with unexpected expenditures if you have a poor credit score and are struggling get a traditional personal loan.

Despite mixed reviews faulting its application process and customer service, Tick Tock Loans’ offering of quick access to funds might make it an attractive offer if you’re searching for a payday loan.

However, payday loans are an expensive form of borrowing and must only be considered as a last resort due to their high interest rates. Ensure you’ve exhausted other options such as personal loans and secured loans before you apply.

Frequently asked questions

We compare payday/short term loans from

Drafty Line of Credit
QuidMarket Short Term Loan
The Money Platform Short Term Loan
Moneyboat Short Term Loan
Lending Stream Instalment Loan
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