Do You Need £100 - £300 Today? 

We Are Direct Lenders and Lend Our Own Money


Stars -2_256


At True Blue Loans we believe short term loans really should be flexible and fuss free. There are so many lenders and loan choices available in the current market, it can sometimes be overwhelming to find the one that fits. That’s why we are proud to say we believe we offer a service that ticks all the boxes. That’s because we offer a range of short term loans so you can pick a repayment term that suits your individual financial needs. This means you can make your repayments over 3 months, 6 months or even 9 months and because we take affordability so seriously, we will present you with a range of repayment options based on the information you provide. It’s important that a short term loan is affordable and fits within your own monthly budget. 


There are lots of different types of loans available. We believe that Short Term Loans are a great alternative to a Pay Day Loan as they offer so much flexibility. Don't get a Payday UK Loan until you have considered a Short Term Loans.


Better Than a Payday Loan By Far!

With a True Blue Short Term Loan you can repay whenever you want to and pay only daily interest. So if you only want a loan for a few weeks, take out a 3 month loan, repay when you have the cash, paying only interest up to the day you repay. We are so flexible and we really don't mind helping.



Affordability? We take affordability serious.

Please follow this link to read How and Why we undertake affordability checks 

Ccta _logo _long _499x 104


Warning: Late repayment can cause you serious money problems.

For help, go to

Representative Example: Representative 2108.81% APR on a loan of £200.00 with 6 monthly repayments of £67.62. Total amount repayable £405.55. Annual interest rate (fixed) 348%


 *Once we get to know you we will increase your credit limit up to £500 subject to affordability. 


Short Term Loans Offer Flexibility


So often in life a need for some extra money presents itself and we have to act quickly. Whether it’s an unexpected bill or an urgent purchase which is required, we would like to help. We completely understand in such situations you need to find a straight forward lending solution quickly and as a result have designed an application process to match. This process is designed to give you our decision as quickly as possible and you’ll notice unlike many other companies we are happy for you to give us a call should you have any questions, after all we’re here to help. We are often referred to as "Payday loans direct lenders" or "Payday loan lenders", or "Payday UK Loans" but we are really "Installment Loan Direct Lenders".

You will note our application form is clear and easy to follow and is designed to ensure all the important information needed is gathered for us to make our decision.  We also think it’s important to keep you up to date on the progress of your application and therefore we promise our Team will email you updates as they work on your application.


Another great thing about True Blue Loans is that an application for one of our installment loans carries absolutely no fee. That’s right, we are the direct lender and we don’t believe you should pay simply to be considered for a loan. So unlike brokers, whether your application is successful or not, there is no fee for applying. That means you can complete an application with peace of mind.

So if you are looking to borrow a small amount of money and are tired of the old and dated type of short term loans previously available, like payday loans or pay day loan, we’d love you to consider True Blue Loans. Our Team has many years’ experience and believe based on this we can help you find an instalment loan that really does met your needs as an individual.


Welcome to True Blue Loans, the home of personalised installment loans


Instalment loans of over 3, 6 or 9 months


What are installment loans

Loans can come in a lot of different forms, and the financial jargon associated with loans can be far too confusing to be comprehended by the average person. This can lead to uninformed decisions when it comes to taking out a loan. You could probably end up taking out a loan that isn't suitable for you, which would lead to you falling into debt from all the late repayments that you'll be making. So before we shift into understanding what installment loans are, we need to understand that educating yourself about all types of loans is extremely important.


Installment loans are essentially loans that are repaid using installments, obviously. What this means is that instead of paying a fixed amount each month, you'll be paying a percentage of the principal amount which you borrowed. This is commonly known as the interest rate.


Interest rates can come in two different forms: fixed and variable. The latter means that the interest rate you'll be paying can be effected by the market interest rate. For example, if the market interest rate were to fall, you'll be able to enjoy lower interest rates for the month. But if the market interest rate rises, you'll have to suffer paying a larger interest rate.


On the other hand, fixed interest rates don't fluctuate with the market interest rate and remain at a certain percentage. This makes it a lot safer since you'll only be paying a standard amount of interest each month for your loan, which means you have complete predictability and control over your finances.


Installment loans are perfect for disciplined individuals who are completely confident in managing their finances. Since they're borrowed with the intention of making repayments during fixed periods, you'll have access to larger amounts as compared to other short term loan options.


How they work

Installment loans are usually offered by online financial institutions who have loan calculators readily available for you to make detailed comparisons. You can use the calculator to compute how much you'll be paying for a loan of 3 months, 6 months or even 9 months. This introduces plenty of flexibility in your repayments since you have the option of choosing which is the most ideal alternative for your financial situation.


Everything is displayed to you with the intention of transparency, which is what you wouldn't find from a standard bank. They'll probably slap you with additional fees and administrative charges that you won't find with borrowing from other private financial institutions.


Benefits of installment loans

Installment loans are a lot more common that you'd expect. For example, car loans and mortgage loans are just some examples of installment loans, even though they have longer durations. The installment loans that we'll be talking about lean more towards short term loans. This means that they're essentially installment loans of over 3, 6 or 9 months. Installment loans of similar short term durations may be better than payday loans in most situations, but it really depends on your circumstances at the point of borrowing.


Installment loans are absolutely perfect for you since you'll be able to have the money transferred to you extremely quickly. This makes it a great financial product if you ever find yourself in a state of emergency and don't have a sufficient amount of funds. As compared to other types of bank loans, the application process for an installment loan takes no longer than a few days. This is made possible since their sole focus is on lending out money. Their processes are a lot faster, which means that everything will be finalized a lot quicker as well.


Additionally, installment loans are incredibly flexible in terms of repayment durations and borrowing amounts. The ability to borrow based on periods of 3, 6 or 9 months allows you to make the best informed decision when it comes to borrowing an instalment loan. Since each period has a specific instalment that you have to pay, you can choose which repayment duration is the best for your situation. For instance, if you cannot afford to pay larger amounts each months, you can choose to opt for a 9 month duration. However, if you want to clear off your debt as quickly as possible and have the financial capabilities to do so, you can choose to go with a duration of 3 months. The duration of 6 months is great for people who want to find a good balance between the two considerations.


The thing about installment loans is that they aren't as strict as banks, but they aren't as lenient as payday loan lenders either. This means that they make informed decisions when it comes to lending out money just as you do. They're cable to select the individuals who have the best chances of making full repayment with the least issue, which means that they're also able to lend out loans in larger amounts. So if you need more than just a few hundred dollars, but you don't need that much of a principal amount, installment loans are definitely your best bet.



While installment loans may appear to be flawless to the naked eye, they aren't exactly the most amazing financial product available on the market and they don't cater to everyone. Once again, each individual's financial situation differs from the next.


Since installment loans have slightly stricter criterias, it's absolutely important for you to meet their pre-requisites before submitting an application. You don't want to waste your time on an application that will most probably get rejected. Instead, you may want to look towards other forms of financing like payday loans.  This typically means if you have a poor credit score, you're most probably out of look with installment loans. Very few installment loan lenders will be willing to take the risk of lending out money to someone who's known to have problems handling debt.

How to apply for an installment loan

The applicaction process of an installment loan is pretty simple. All you have to do is submit the information that's requested from you. However, before you sign anything, you need to be completely aware of the fine print and everything that you're agreeing to. When it comes to taking out a loan of any sort, you want to understand what you can do and what repayment options you have. This is absolutely optimal in preventing yourself from falling into debt. Don't rush into it, take your time and don't be afraid to ask your loan officer questions about things that you aren't completely sure about.


If you have a poor credit score and you're insistent on taking out an installment loan, you always have the option of speaking to one of the institution's loan officers and see if something can be worked out. If your poor credit score is due to something that's actually forgiveable, you may have a decent chance in getting your application approved. But it's important for you to take your loan repayments seriously, as each punctual repayment that you make is guaranteed to improve your poor credit scores. In the long run, you'll encounter less issues when it comes to taking out loans.


What we do with our declined applications 

We are direct lender who lend our own money. However, we do sell our declines. What does this mean? Click here to read an article on how it works and what we do.


Ccta _logo _long _499x 104


Warning: Late repayment can cause you serious money problems.

For help, go to

Representative Example: Representative 2108.81% APR on a loan of £200.00 with 6 monthly repayments of £67.62. Total amount repayable £405.55. Annual interest rate (fixed) 348%


Start The Application

Title *

First Name *

Surname *

Email *

Loan Amount *