Compare sites like OppLoans

OppLoans offers short term loans as well as longer term personal loans to qualifying borrowers.

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OppLoans is an American lender that distinguishes itself as being different from payday lenders by offering longer term instalment loans.

Although OppLoans does not operate in the UK, luckily, there’s a number of similar lenders that you can opt for instead. Although, these lenders offer short term loans ranging from just a few hundred pounds going up to £1,000, these loans can be useful if you have unexpected bills or car repairs that have caught you off guard.

A short-term payday loan can help bridge the gap, though it’s important to keep in mind that these loans are a lot more expensive than mainstream sources of credit.

Our tool at the end of the page, allows you to compare the cost of payday or short term loans from multiple lenders.

warning icon Warning: late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.

warning icon 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.

NameEstablishedLoan types
Lending Stream Instalment LoanLending Stream Instalment Loan2008Instalment loansGo to site
On Stride Personal LoanOn Stride Personal Loan2014Instalment loansGo to site
Peachy LoanPeachy Loan2010Instalment loansGo to site
QuidMarket Short Term LoanQuidMarket Short Term Loan2011Instalment LoansGo to site
Satsuma Short Term LoanSatsuma Short Term Loan2013Instalment loansGo to site
Savvy.co.uk Personal LoanSavvy.co.uk Personal Loan2015Instalment loansGo to site

Compare the cost of payday lenders

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 table 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
£50 to £800
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.
£300 to £800
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.
£200 to £1,000
Representative example: Borrow £300 for 6 months at a rate of 292% p.a. (fixed). Representative APR 1,256.3% and total payable £919.40 in payments of £203.33, £183.23, £163.13, £143.33, £123.24 and £103.14.
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.
£150 to £5,000
Representative Example: Borrow £350 for 6 months at a rate of 220% p.a. (fixed). Representative 651.4% APR and total payable £605.55 in 6 monthly payments of £100.93.
£100 to £1,000
Representative example: Borrow £400 for 6 months at a rate of 259.33% p.a. (fixed). Representative APR 947% and total payable: £750.78 in 6 monthly payments of £125.13.
£50 to £1,000
Representative example: Borrow £250 for 74 days at a rate of 292% p.a. (fixed). Representative APR 1300.5% and total payable: £398.00, in 1 payment of £74.00 and 1 payment of £324.00.
£300 to £1,000
Representative example: Borrow £500 for 5 months at a rate of 292% p.a. (fixed). Representative APR 1,297% and total payable: £867.05 in 5 instalments of £173.41.
£100 to £1,000
Representative example: Borrow £480 for 9 months at a rate of 133.1% p.a. (fixed). Representative 535% APR and total payable £959.04 in 9 monthly payments of £106.56.
£100 to £2,500
Borrow £350 for 8 months at a rate of 204% p.a. (fixed). Representative APR 575% and total payable £572.80 in 8 monthly payments of £71.60. You can repay this loan early.
£50 to £200
Representative example: Borrow £80 for 29 days at a rate of 292% p.a. (fixed). Representative APR 1281.8% and total payable: £98.56, in 1 payment of £98.56.

Compare up to 4 providers

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

What’s the difference between payday and instalment loans?

Payday loans are typically paid in one lump sum on the day that you you receive your paycheck, and is why the term payday loan was coined.

An instalment loan is typically repaid in monthly or weekly instalments. The interest rates can still be very high, and it’s important to remember that borrowing over a longer term generally costs more.

We compare payday/short-term loans from

Lending Stream Instalment Loan
Moneyboat Short Term Loan
Mr Lender Short Term Loan
On Stride Personal Loan
Peachy Loan
QuickQuid Short Term Loan
QuidMarket Short Term Loan
Satsuma Short Term Loan
Sunny Loan
247Moneybox Payday Loan

We exist to help you find better. The offers we've compared on this page are from a range of products whose details we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations of these) aren't product ratings, although 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, it's wise to consider getting independent financial advice. Always consider your own financial circumstances when you compare products so you get what's right for you.

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