Brokers and Introducers

Madison Finance @ www.madisonfinance.co.uk

Madison Finance (part of Madison Direct Ltd) is an instalment loan company headed at www.madisonfinance.co.uk. You can apply for between £500 and £1000 with the term being either 6 or 12 months. This company has been growing fast, particularly when it comes to 6 month loans. When you visit their site you will see that they state that they operate as a lender. I have added them to the broker section for now though. This was since when I made a search through Google I landed on a "How It Works" page where they were headed as a broker and there was a listed application fee of £3.75. Their site was only setup in 2012 and so such a fast transformation from brokering to lending sounds peculiar.

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12 Month Loans @ www.12monthloans.co.uk

12 Month Loans is a broker brand of PDB UK Ltd that can be reached at www.12monthloans.co.uk that was devised back in 2010. It was actually setup at the same time as Flex Credit that is another PDB UK brand catering these same extended bad credit 12 month loans. PDB UK are commonly associated in the payday loan sector through the Cash Lady and Kwik Cash brands, but through 12 Month Loans (and Flex Credit) they are competing in an emerging sector that has been growing quickly, although there are still very few lenders within it. On this site you will see the same 278% rate that is listed at Flex Credit. This is of course the rate that is in place at Pounds to Pocket.

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1Plus1 Loans @ www.1plus1loans.co.uk

1Plus1 Loans is a guarantor loan company located at www.1plus1loans.co.uk that looks to have been setup in early 2013. 1Plus1 Loans is part of Secret Eye Ltd that runs a range of finance brands. There was some initial confusion since I have seen this company reference themselves as a lender, but I know that Secret Eye runs The Finance Facility as a broker. Further to this, they display a variable rate of 49.9% APR that is the same rate in place with the leading guarantor lender Amigo Loans. It appears that they did run TFF Loans at www.tffloans.com, but this now redirects to 1Plus1. Between £500 and £3000 are listed as the available sums and the term range is 12 to 36 months.

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Flex Credit @ www.flexcredit.co.uk

Flex Credit is a brand of PDB UK Ltd that has been operating at www.flexcredit.co.uk since back in 2010. PDB UK are one of the leading brokers online who are mostly associated with payday loan brands such as Cash Lady, Kwik Cash and Payday Bank. Flex Credit differs by catering 12 month loan terms. There are very few 12 month loan lenders around and so most brokers tend to use the leading name (Pounds to Pocket). This is also the case with Flex Credit that can be quickly identified when you see the same 278% APR figure. PDB UK also owns 12 Month Loans at www.12monthloans.co.uk. This site was setup on the same day as Flex Credit and the same charges are in place there.

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The Finance Facility @ www.thefinancefacility.com

The Finance Facility (TheFinanceFacility) is a loan broker based in Merseyside that operates from www.thefinancefacility.com that was setup in 2009. This brand is a trading name of Secret Eye Ltd and serves a wide of loan solutions with poor credit loans being one such focus for them. The unsecured loans headlined can range from £500 to £15,000. Homeowners can receive much larger secured loans from £3000 to £100,000. A sample rate of 19.6% APR is provided although this would of course be in place for those who have a good track record in repaying debts. There aren't many specifics provided surrounding The Finance Facility loans. No such lenders used by them are for instance not mentioned. What is notable about this company is of course their broker fee.

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Loan Options @ www.loan-options.net

Loan Options (LoanOptions) headlines a range of bad credit loan products that most commonly cater extended terms such as large unsecured personal loans. This broker is based in Bridgend and states that they are partnered by over 20 direct lenders. They can be reached at www.loan-options.net that was setup recently in late 2010. There is a Loan Options fee of £64.76 that appears to have caused a few discussions on popular consumer forums. This fee is made up of £34.76 for registration and then £1 for each day since their service of finding funds stretches over 30 days. You can get a refund for this, although you will have to send a cancellation letter to them (the refund calculation will be based on the time that you use them).

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Cash Finance Direct (Horizon Finance) @ www.horizon-finance.co.uk

Cash Finance Direct (CashFinanceDirect) carries a fair amount of popularity online with them carrying some feedback on the top consumer forums regarding applications made with them and expensive calls. There is a site at this time (www.cashfinancedirect.co.uk) that although carrying the name looks to be owned by a separate company based in the Cayman Islands. This is a blank page at this time. From studies conducted, Cash Finance Direct looks to be part of Horizon Finance that takes applications at www.horizon-finance.co.uk and so this site has been referenced here. Horizon Finance is a loan broker that states that they work with a range of leading lenders. There isn't much information provided by them surrounding their company, but I do believe that they are based in South Manchester.

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UK Payday Today @ www.ukpaydaytoday.co.uk

UK Payday Today (UKPaydayToday) is a payday loan broker that launched in the year 2009 at the address of www.ukpaydaytoday.co.uk. Within these few years operating on the web, UK Payday Today has picked up a reasonable level of popularity although they aren't one of the most recognisable names on the scene at this time. I did spot this company advertised on a variety of payday loan review sites recently though and so I'm sure that they will become a more recognisable name over the coming year. Monthly loans between £100 to £1000 are headlined on the site with there being the usual displayed interest rate of 25% that equates to a £25 per £100 charge. As the case with many brokers, the lenders partnered by are not mentioned.

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Albemarle Bond @ www.albemarlebond.co.uk

Albemarle Bond (popular as Albemarle and Bond) is an established financial, jewellery and pawnbroking brand in the UK. The journey started for Albemarle & Bond Holdings Plc with a single shop opening in Bristol in 1983 and they have in the region of 140 high street stores today. I believe there are over 250 stores though when you include their other brands such as Herbert Brown that is a historic company founded in 1840 that they bought not so long ago. The www.albemarlebond.co.uk site arrived in 2002 and when checking now it looks to have had a recent upgrade. We are particularly looking at the Albemarle Bond payday loans. They act as an introducer for their online loans that are transferred to EPDL (Early Pay Day Loan).

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Priority Money Club @ www.prioritymoneyclub.com

Priority Money Club (PriorityMoneyClub) is a broker that initially reached the market in 2010 and they are an emerging name from my studies being an extensive advertiser online. The application and loan details for this company are headed at www.prioritymoneyclub.com whilst they additionally use the local domain of www.prioritymoneyclub.co.uk specifically for customer account login only. This loan broker that is based in Leeds headlines personal loans that span from £500 to £5000 with a noted repayment term from 3 to 60 months. There is a clear note that bad credit is welcomed, that tenants are accepted and that no guarantor will be required to support the application. No specific lenders are mentioned with a sample 55.9% APR figure being displayed (this rate is for a 60 month term).

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