3 Month Lenders +

AutoMoney @ www.auto-money.co.uk

AutoMoney (Auto Money) is one of the newer logbook loan lenders on the market that launched www.auto-money.co.uk back in the year 2009. They have been growing quickly within this short space of time though in light of the frequent TV ads that have been shown over the past few months. AutoMoney is a trading name of Quick Click Loans Ltd and is focussed on logbook loans although they do also have a small section catering cash for gold on their site. AutoMoney loans can range from £100 to £5000 with there being a monthly charge of 20% and so that would equate to £20 per £100. You must also factor in their document fee that is required and will set you back £25.

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LoansatHome4U @ www.loansathome4u.co.uk

LoansatHome4U (Loans at Home 4 U) is based in Solihull and is homed at www.loansathome4u.co.uk. This is a trading name of S&U Plc and SD Taylor Ltd, with S&U also being known for their Advantage Finance brand. The company roots stretch back to 1938 with the cash loan side arriving in 1975. Their domain was registered in 2006 with doorstep loans from £150 to £600 being available. I glanced around the site, but could not find any details surrounding the costs involved that should legally be printed. From researching other sites, there appears to be a 399.7% APR charge with the term set at 32 weeks. Although a starting £150 figure is provided, the Lenders Compared site provided the details of a £100 loan for 32 weeks (8 months).

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UK Lenders Alliance @ www.uklendersalliance.co.uk

UK Lenders Alliance (UKLendersAlliance) can be reached today at www.uklendersalliance.co.uk that was launched in 2011. This brand is a trading name of Cash Choice UK Ltd who were previously active as Cash Choice at www.cashchoice.com that now redirects to UK Lenders Alliance. The Cash Choice site was registered in 2001 and updated in 2007 and so would have launched in any of these years. Moving back to UK Lenders Alliance, you will be offered here 6 month loans spanning from £100 to £600 with £1000 being possible for trusted customers. Whilst with Lending Stream a 30% cut is taken, the instalment payments here start much larger. Despite this, an overall £106.45 per £100 charge over the full period would be in place that works out at £17.74 each month.

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KDS Finance @ www.kdsfinance.co.uk

KDS Finance (KDSFinance) is a doorstep lender based in Rotherham that can reached today at the address of www.kdsfinance.co.uk. They don't disclose much details surrounding their company/service and so it is difficult at this time to gather a clear picture of the efficiency of this lender. There is a note that this is a medium sized experienced company that has been serving loans for over 36 years. This is an old domain dating back to the year 1999, however their site looks to have been put together by Ispiri Solutions recently in 2011. This lender has a similar level of popularity to the doorstep lender Morses Club. You can apply for a doorstep loan here from £50 to £500 over the set period of 16 weeks only.

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Morses Club @ www.morsesclub.com

Morses Club (MorsesClub) is a doorstep loan lender based in Hallow (Worcester). Morses Club has offices in 36 locations across the UK with their site being headed at www.morsesclub.com. This site was launched in late 2009 although they don't discuss their origins. The cash loans up for grabs range from £100 to £1000 with £150 being the usual new customer restriction. There is a 34 or 50 weekly term available (there is also a 33 weekly term for Northern Ireland residents). Based on £100, the charge would be £70 or 34 weeks. This is priced well, but is more expensive than Provident Personal Credit. To apply with Morses Club, you can either call them on the number of 0870 908 7000 or fill out a basic form.

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Oakam @ www.oakam.com

Oakam loans are available at www.oakam.com that was registered in 2006 with their first loan store arriving in 2007. They have 20 stores across the UK (mostly in London) and their site serves the entire UK. The services catered here includes the 3 to 6 month Oakam Bonus Loan that is the focus today (£200 to £600) and there is also a Oakam Big Plus Loan (£600 to £5000). For 3, 4 and 5 months all such loans must be repaid back weekly, whilst a 6 month term has additional repayment options such as fortnightly or monthly. Their £200 loan for 3 months would cost £75 that includes a reward discount when all repayments are made on time. This £75 charge is £25 monthly that equates to a £12.50 charge per £100.

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Wizz Cash @ www.wizzcash.com

Wizz Cash (WizzCash) launched in the later stages of 2012 and so stands as one of the newer payday lenders catering the UK market. This company arises from Emergency Cash Ltd and can be reached at the address of www.wizzcash.com. You will find here competitively priced 3 month payday loans. The available sums here range from £200 to £300. A large £1000 is possible for existing customers with all figures rising up in increments of £100. It makes sense that higher loan amounts are available over this extended term, but it would be better to see them start with a minimum £100 figure. The overall cost stands at £92 per £200. This would translate to £46 per £100 that splits to £15.33 each month that is well priced.

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Zebit @ www.zebit.com

The Zebit product from Lending Stream LLC was launched in 2011 at the address of www.zebit.com. When I last checked, they offered the option of either the funds being sent directly to your bank or the funds could be instantly uploaded to the Zebit prepaid card that was issued by IDT Financial Services Ltd. Other than having the prepaid card sent through the post you could have just used a virtual card online. Zebit has now dropped their prepaid card and simply offer a flexible loan that can be taken between 7 days and 7 months that can be repaid early to save. You can either choose a weekly or monthly schedule. The weekly option is cheaper that may have to do with them receiving more frequent payments.

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Shopacheck @ www.shopacheck.co.uk

Shopacheck (Shop a Check) is a doorstep loan lender that arises from Welcome Financial Services Ltd. They of course closed down their central personal loan company after bankruptcy, but they live on here. Welcome Finance is owned by Cattles Plc that was formed by Joseph Cattle in Hull back in 1927. They started in retailing, but have moved on to financial services. The Shopacheck site at www.shopacheck.co.uk arrived in 1997 although the brand looks to have been formed in the early 80s. Shopacheck stands as the second most popular doorstep lender sitting behind Provident Personal Credit. The loan sums are £200 to £500 for new customers with £1000 being available when you return to use them again. They don't specify the available term range.

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Greenwood Personal Credit @ www.greenwoodpersonalcredit.com

Greenwood Personal Credit is a doorstep loan provider also well known as both Greenwood loans and Greenwoods loans. This is a company from Provident Financial Plc who also owns Vanquis Bank and of course Provident Personal Credit. The www.greenwoodpersonalcredit.com site arrived in 2001, but as the case with Provident the roots date back to 1880 when Joshua Kelley Waddilove started his home collection service. Although Greenwood Personal Credit is less well known than Provident Personal Credit, these are two brands from the same company and share the same characteristics. First time borrowers can receive £100 to £500 from 14 to 52 weeks. For existing customers, that same £2500 is possible over a maximum of 110 weeks. They also advertise a budget loan up to £300 for 14 weeks.

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