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 Derry - 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 Derry

Anyone who finds themselves facing a financial emergency in or around Derry may be considering applying for one of the many different loan options that are offered. This may well include offers for payday loans in Derry, but when it comes to accessing funds both swiftly and on manageable terms, there are considerably better alternatives than pursuing payday loans in Derry.

At Clever Loans, rather than offering payday loans in Derry, we operate an online loans broker service that provides instant quotes on short-term unsecured loans. Through our process, we will search through up to 40 loan options from anywhere up to 20 direct lenders, and then immediately send you a quote that best fits for your lending preferences.

One of the major benefits of the quotes options we offer is that you will receive clear and transparent lending terms, which will allow you to plan your monthly budget to meet your repayments. The loan quotes we provide also offer much better rates in terms of APR, when compared to the options for payday loans in Derry.

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

If you are looking into exactly how you qualify for a short-term unsecured personal loan, you should start with the initial requirements that need to be met. When it comes to the loans and lenders that we deliver quotes for, each of whom are fully authorised and regulated by the FCA, it is required 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 the online loans broker service that we operate, Clever Loans will send you a quote that is clearly defined and provides the best economic fit to your current financial need. We offer further peace of mind through the fact that we only provide quotes for loans that come from fully authorised and regulated lenders. These are just a few of the key reasons that make us a much better alternative to taking out payday loans in Derry. We provide quotes for reliable and regulated loans that have been selected because they fit your lending requirements well.

What would my loan repayment terms be?

Should you ever have looked at payday loans in Derry in the past, you will have found a lender who provided terms on:

- your monthly repayment figure

- how many monthly repayments are required

- the total amount repayable overall

The fact that you will receive clear terms on all these financial details will allow you to make a workable budget to fit your loan expenses into your monthly budgeting for the duration of the loan.

Repayments on unsecured short-term loans are generally lower than Payday Loans in Derry which makes them a much better option for your needs.

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.