Tick Tock Loans: 2021 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 £200 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 making a decision on your loan, a personal account manager will consider your application on an individual basis.

Interest rates will 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 will act 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.

How do Tick Tock Loans hold up against the competition?

Table: promoted deals, sorted by total payable
As well as comparing short-term loans with other types of credit, before you apply for a loan, it’s a good idea to shop around and compare a range of lenders. You can use the tool below to get an idea of how much the loan that you have in mind might cost.
How much do you need to borrow?


How long do you need to borrow for?


Name Product Available Amounts Monthly repayment Total payable Link
Lending Stream Instalment Loan
£50 to £1,500
Go to site
More Info
Representative example: Borrow £200 for 6 months at a rate of 292% p.a. (fixed). Representative 1,333% APR and total payable £386.61 in 6 monthly payments of £64.44.
The Money Platform Short Term Loan
£250 to £1,000
Check eligibility
More Info
Representative example: Borrow £500 for 6 weeks at a rate of 255.5% p.a. Representative APR 839.20% and total payable: £647 in 1 payment.
QuidMarket Short Term Loan
£300 to £1,500
Go to site
More Info
Representative example: Borrow £300 for 3 months at a rate of 292% p.a. (fixed). Representative APR 1,301% and total payable: £454.37 in 3 instalments of £151.46.
CASH4UNOW Short Term Loan
£150 to £1,000
Check eligibility
More Info
Representative example: Borrow £200 for 4 months at a rate of 292% p.a. (fixed). Representative APR 1306% and total payable: £332.00, in 4 payments of £83.00.
Mr Lender Short Term Loan
£200 to £1,000
Go to site
More Info
Representative example: Borrow £200 for 6 months at a rate of 292% p.a. (fixed). Representative APR 1,256.0% and total payable £367.40 in payments of £81.33, £73.23, £65.13, £57.33, £49.24, and £41.14.
With this loan your monthly repayment decreases over time. Our 'Monthly repayment' above is a representative figure designed to help compare lenders side by side.
Moneyboat Short Term Loan
£200 to £1,500
Go to site
More Info
Representative example: Borrow £400 for 4 months at a rate of 255.5% p.a. (fixed). Representative APR 939.5% and total payable: £597.48 in 4 payments of £149.37.
Fund Ourselves (Welendus) Short Term Loan
£100 to £1,500
Go to site
More Info
Representative example: Borrow £200 for 122 days at a rate of 211% p.a. (fixed). Representative 501.2% APR and total payable £286.82 in 4 monthly payments of £71.71.
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Compare up to 4 providers

Please note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.

We compare payday/short-term loans from

Lending Stream Instalment Loan
The Money Platform Short Term Loan
QuidMarket Short Term Loan
CASH4UNOW Short Term Loan
Mr Lender Short Term Loan
Moneyboat Short Term Loan
Fund Ourselves (Welendus) Short Term Loan

Key features of Tick Tock Loans

Product NameTick Tock Loans Short Term Loan
Available Amounts£200 to £1,000
New customer maximum£1,000
Loan terms3 months to 6 months
Maximum APR1,250%
Soft search eligibility check
Employer contacted during application
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 point
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 will ask for details of your monthly income and expenditures. You will need to provide at least three months of bank statements to confirm your income.
  3. Tick Tock Loans will then perform a full credit search to assess your creditworthiness and ability to repay the loan. This will leave a footprint on your credit file.
  4. You will be given a decision on your loan within one working day of your application being submitted.
  5. Once approved, you will receive the money into your bank account within a few hours.

How do I pay back my loan?

You have two 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 will 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.

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
Mr Lender Short Term Loan Mr Lender Short Term Loan 2009 Instalment loans Go to site
Savvy.co.uk Personal Loan Savvy.co.uk Personal Loan 2015 Instalment loans More info
CASH4UNOW Short Term Loan CASH4UNOW Short Term Loan 2011 Instalment loans Check eligibility
Conduit Short Term Loan Conduit Short Term Loan 2012 Instalment loans Check eligibility

Early repayment options

Repay early at any point
Repaying early can reduce overall interest
Phone number0203 743 8668

Frequently asked questions

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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