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

Clever Loans will never telephone you and will never charge you any fees. You should never pay upfront fees for a loan or send money in return for a loan.

Better than Payday Loans in Belfast - Alternative Options

Get a quote in 2 minutes, then decide if you want the loan. If you are unsure if you will be accepted, try our QuickCheck

Loan amount £1000
Over how many months?
79.5% APR Representative

Please keep this box ticked and you could have your loan sent within minutes**


Try QuickCheck to find out your chances of being accepted - 100% no credit footprint!

Try QuickCheck to find out your chances of
being accepted with no impact on your credit footprint!

Digitonomy Limited (trading as Clever-Loans) is a credit broker not a lender. All Applications Subject to affordability, UK residents only

Rates between 11.8% APR and Maximum 1721% APR - your no obligation quote and APR will be based on your personal circumstances - we compare small loans from over 30 lenders to get you the lowest APR possible. If you are not successful in finding a loan we may transfer you directly to alternative firms and services, such as credit builder tools, which may charge you a monthly fee.

Our Happy Customers

Payday Loans Belfast

Should you have met with a sudden financial emergency and you are based in or around Belfast, you may have looked at loan options including payday loans in Belfast to find a workable solution to that financial emergency. When it comes to accessing finance both quickly and reliably, you can find preferable alternatives to a pay day loan in Belfast.

Through our online loans broker service here at Clever Loans, rather than offering payday loans in Belfast, we will take a look at your lending requirements and provide you with a quote for a short-term loan that best suits your lending preferences. Our innovative tool will search up to 40 loan options from 20 direct lenders to ensure you are offered the best financial fit.

A major benefit of the loans options that we deliver is that they offer clearly defined terms for your lending, so you can plan your monthly budget with exact repayments in mind. We are confident that our loan quotes give you a much better option than payday loans in Belfast, which are likely to come with much higher APRs and a range of possible penalties.

How do I know if I qualify for a short-term loan?

We are sure that you will be interested to know the exact criteria for being accepted for a short-term unsecured personal loan. Whereas the criteria for payday loans in Belfast and across the UK are often uncertain and unreliable, all of our lenders are fully regulated and authorised by the FCA. The initial criteria to apply for a loan are that you:

  • are at least 18 years of age
  • are a UK resident
  • have a bank account with a valid debit card
  • receive regular income – directly into your bank account
  • have a valid email address and phone number

Through our online loans broker service, our team at Clever Loans will provide you with a quote that is best suited to your financial needs, with a lender whose clear terms let you deal with your financial issues in a manageable way. Given that all of our quotes are for FCA authorised and regulated lenders, we can offer a trusted alternative to payday loans in Belfast. You’ll receive a loan quote that has been selected because it offers the best fit for your lending requirements.

What would my loan repayment terms be?

If you have looked at your options in terms of payday loans in Belfast before, you will be aware that it is hard to receive clearly defined terms. Here at Clever Loans, we ensure that any quotes you receive will be for a lender who offers clear and transparent terms. You will be given the loan repayment information you need, including:

- your monthly repayment amount

- how many monthly repayments you have

- the total amount repayable overall

Having exact details on all of these financial terms will help a lender to ensure that they can budget their loan repayments into their monthly spending. It is our combination of regulated lenders, clearly defined terms and the range of loan options we have access to that make our quotes for unsecured short-term personal loans an ideal fit for many and a much better alternative than payday loans in Belfast.

Example Repayments*

*These are indicative quotes only based on a £1500 loan over 12 months.

Representative example: Amount of credit: £1000 for 12 months at £123.40 per month. Total amount repayable of £1,480.77 Interest: £480.77. Interest rate: 79.5% pa (fixed). 79.5% APR Representative.

Remember: If there is any point at which you struggle to meet your monthly repayment terms, talk to a service such as Money Helper for advice on finding a solution.

Representative example: Amount of credit: £1000 for 12 months at £123.40 per month. Total amount repayable of £1,480.77 Interest: £480.77. Interest rate: 79.5% pa (fixed). 79.5% APR Representative. We’re a fully regulated and authorised credit broker and not a lender.