Borrow up to £1000 with our short term loans

We offer short term loans with flexible repayment terms to help make borrowing more manageable. Don’t worry if your credit score isn’t perfect, we look at more than just your credit history when assessing applications.

For over 30 years, we’ve been supporting people across Greater Manchester with straightforward, personal lending from a team that genuinely cares.

New customers can borrow up to £500

Why choose us?

A better alternative to Payday loans

At Brantwood Finance we understand that life happens sometimes and an unexpected bill or extra cost can pop up. If this happens, then a short term loan may be for you. Borrow between £100 and £1000* and repay your loan in 4-6 monthly instalments. If you want to repay it earlier, just get in touch and you may be entitled to a rebate.

From the initial application right through to the end of your loan term, our friendly staff are with you throughout the entire loan journey. Just pick up the phone to us.

Bad credit? You’re more than just your credit score and we make use of Open Banking as a method to ensure that our loans are afforable for you.

Our small loans are commonly used for your every day situations. Whether its getting the car fixed or a quick home refurb, we’ve got you covered.

Once all the agreements are complete, have the funds delivered directly to your door or transferred to a chosen bank account.

There are no hidden fees or any additional charges whatsoever. The total repayment amount will never change.

We offer a range of repayment terms so we can find a loan thats most suitable for exactly what you need it for.

*All credit limits are subject to an affordability assessment carried out by a memeber of staff.

How it works

A simple guide to our loans and how to apply

1. Complete your online application

Simply tell us about yourself, your finacial situation and the reason for needing a loan.

If will feel we can help in any way, we will get back in touch with you within 24 hours.

2. Open Banking

A member of our team will phone you to complete your affordability assesement and discuss your application in more detail.

You’ll receive an Open Banking request to verify the information you have provided.

3. Our decision in principal

Once our team have reviewed your application we will make a decision on whether we feel a short term loan is right for you.

At this stage, you’ll hear from us either way.

If approved, our expert team will decide on a suitable credit limit for you and send you a Loan Offer by email.

4. Same-day bank transfer

If you accept our Loan Offer, our team will contact you by phone to take you through the paperwork.

They’ll go over all the details of the loan and set up your repayment plan.

Once we’re confident that you understand all the information we’ve discussed and you’ve signed your agreements, you’ll receive your money the very same day.

Frequently Asked Questions

How much can I borrow as a first time customer?

We like to start small and so our first time customer limit is often £200. What you can borrow will depend on your financial circumstances. We do our work so we can find and affordable limit for you.

What if I have a bad credit history?

We deal with each application on a case by case basis. We consider all credit ratings and are able to assess affordability by other means. If you do suffer from a bad credit history we will ask for 3 months’ current bank statements to assess your current financial situation. This can be done via your online banking. We can then make a decision as to whether or not a loan is affordable for you.

What is an affordability assessment?

The affordability assessment is a look into your current financial circumstances. This will be a review of your incomings and outgoings and will require additional documentation to support what you have told us. We do this to ensure that you only borrow an amount that is comfortable for you to pay back. We aim to find an affordable credit limit that stays within your means.

How do I repay my loan?

How often you pay back will be dependent on how regular you receive your income.

Our most popular repayment method is a Continuous Payment Authority (CPA) where we set up a recurring payment from your debit card.

If you’d prefer to speak to someone, you can call our friendly team and they will be happy to take a card payment over the phone with you each time your payment is due. We send out text reminders, just incase.

If you prefer a more personal approach, being a Doorstep Lender, we can assign you your own dedicated Agent who can visit you at your home on regular days and collect cash or take a card payment on your doorstep.

I'm struggling to pay - what do I do?

We understand that life can happen sometimes however you must contact us at the earliest opportunity and before your next payment due date.

We need to understand the reasons for you struggling to make your payment and will set up a suitable plan for you.

We look at all situations individually and will provide the necessary help to better your situation but we rely on you contacting us as soon as you feel you might fail to make your agreed payment.

Will there be any additional charges if I miss a payment?

We make sure the loan is affordable to you but we know everyone experiences difficulties and so sometimes we need a breather, however it is important that you contact us at the earliest opportunity to discuss your situation. Communication is key for us.

We assure you that you will never be subject to any additional fees or charges when your circumstances mean you have to miss a payment. You will only ever pay back what was agreed when you first took out the loans with us.

Repaying your loan on time will improve your credit score with us for future loan agreements.

Representative Example: £200 loan repayable over 6 months. 6 monthly payments of £50. Representative 332.5% APR. Total Amount Payable is £300

All loans are subject to an affordability assessment and will require a member of our team to discuss your finances and to ensure the loan is affordable to you