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

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Better than Payday Loans in Manchester - 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 Manchester

If you are in the UK and looking for a loan to deal with an emergency financial situation, you may need to look for loan options that allow you to access funds swiftly and reliably. Anybody in our around #2 who needs a short-term injection of funds may in the past have considered searching for a payday loans in Manchester.

Clever Loans acts as an online loans broker, with our team providing quotes for a more suitable loan alternative. Using our innovative tool, we search across up to 40 loan options, considering up to 20 lenders, in order to provide you an immediate quote that suits your lending terms.

Utilising our quotes for short-term personal loan options will mean that you access clearly defined lending terms, giving you the ability to properly plan your repayment schedule. This sort of loan is a much-preferred alternative to a payday loan in Manchester that many have used in the past, along with their large APRs and late payment penalties.

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

As you consider the criteria for taking out a short-term unsecured personal loan, there are some key requirements to be met. The criteria for a payday loan in Manchester and across the nation may be loosely defined, but the loan quotes we provide are with lenders whose criteria are much more clearly stated, as we only provide quotes for lenders regulated and authorised by the FCA. To qualify for a loan application, you must be:

  • 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

As Clever Loans provide our loans broker service, the fact that we only provide quotes from FCA regulated and authorised lenders means that all of the loan quotes we provide will deliver clear and transparent financial terms. This makes them a much preferable alternative to a payday loan in Manchester, giving you an exact figure to plan into a monthly budget.

What would my loan repayment terms be?

Continuing with the topic of exact repayment figures, anyone who has looked for a payday loan in Manchester is unlikely to have received a clear explanation of their repayment terms. You should always be clear on factors such as:

- how many monthly repayments are required

- the total amount repayable overall

Making sure that you have clearly defined terms on all of these details gives you the opportunity to sit down and budget exactly how this loan would fit into your weekly and monthly budgets. This gives you the ideal plan to meet your current financial need and meet all of your future repayments.

This a key reason why unsecured short-term personal loans are providing much more suitable arrangements than taking on a payday loan in Manchester and around the UK. We have provided many people with quotes that helped them find their ideal financial terms and avoid having to take on a payday loan in Manchester or any other location.

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.