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Welcome to Txt4Loot

Here at Txt4Loot we like to make things as clear and as simple as possible and also provide a 1st Class service for our clients.

Our aim is to get you the finance that you require as fast as possible and with the minimum of fuss. Listed below is a host of information regarding borrowing money, but fundamentally all you need to know is that you will typically be charged £29.95 for every £100 that you borrow - so if you borrow £100 you will have to pay back £129.95. That's it - no hidden set up charges or hidden fees.

Simply click the Apply Now button below and complete the simple application - it only takes a couple of minutes.

Representative 2950% APR


Representative Example: Borrow £200 for 31 days. The total charge for credit is £59. Interest is fixed at a rate of £59 per £200 loan (347% per annum). The total repayable is £259. 2950% APR Representative

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

Please Note:
Some payday lenders may restrict the amount you can borrow to a maximum of £500 the first time that you take out a loan with them, so please be aware that you may not be offered the amount that you have applied for.

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As a condition of extending credit, some lenders you may be matched with may run a credit check from a major credit reporting bureau.

Payday Loans

Payday loans are intended as a short term loan to help deal with an unforeseen situation and should be repaid in full when you next get paid. Failing to repay the loan in full when it is due is likely to cause you further financial problems and means you will incur further charges. For this reason it is important that you only borrow what you can afford to repay. To qualify you will need to be UK resident aged 18 or over and employed.


Renewals Policy

Our lenders understand there can be times when you are unable to repay your loan in full when it is due. If you find yourself in this situation the lenders will normally consider giving you an extension of the loan. However, before they do the will need to assess whether offering an extension will adversely affect your financial situation.

You will need to discuss this with your lender as soon as you are aware that you will not be able to repay the loan. If they agree to roll your loan over, you will only be required to repay the interest. The original amount borrowed will be 'rolled over' into a new loan which you will need to repay when you next get paid. Extensions, partial payment and early payoff requests must normally be received at least three working days before you are due to repay the loan.


Responsible Lending Policy

Our lenders do:

  • Offer short term loans focused to the borrowing needs of their applicants
  • Assess that applicants can afford a loan, and will be able to repay them
  • Provide clear, transparent customer contracts and communications
  • Treat customers in a helpful, polite manner and deliver excellent standards of service
  • Maintain above average levels of customer satisfaction


Our lenders do not:

  • Target people with debt issues
  • Lend to people who they believe are unable to repay
  • Deal with customers if their personal details are unable to be verified


Payday Loans Charges

Payday loans carry a fixed flat rate fee - it is as simple as that. There are no hidden charges but some of our lenders charge a fee for administration. The cost of credit is generally around 29.95% for a 30 day loan so if you borrow £100 you will repay £129.95. You can borrow from £50 to £1,000, however some of our lenders will restrict the amount you can borrow to a maximum of £500 the first time that you take out a loan with them. As such even if your application is approved by a lender you may not actually qualify for the amount that you have applied for.
Please note that we deal with multiple lenders, whose interest charges and administration costs may vary. If your application is approved by one of our lenders, the actual costs will be presented to you when you are redirected to the lender's website to complete the application process.

You Borrow Total Amount Repayable
£100 £129.95
£200 £259.90
£300 £389.85
£400 £519.80
£500 £649.74
£600 £779.70
£700 £909.65

The table above is for illustration purposes only, because the actual costs and charges will vary from lender to lender.
Once your application is accepted by a lender you will be redirected to their website to complete the application. The actual costs and also any charges (if applicable) will be illustrated to you. Make sure you are fully aware of exactly how much your loan will cost you before you agree to it!

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2950% APR Representative

Representative Example: Borrow £275 for 28 days. The total charge for credit is £82.36. Interest is fixed at a rate of £29.95 per £100 loan (359.4% per annum). The total repayable is £357.36. 2950% APR Representative.

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

* Check with your bank to see if they will accept Faster Payments; some banks can take as long as 3 working days to clear the funds. Applications must be received by 1530 and completed by 1700 for your money to be transferred today!

© Copyright 2015 Txt4Loot is a trading name of Inter Financial Limited who is a finance broker whose registered office is: Mont Crevelt House, Bulwer Avenue, St Sampson, Guernsey GY2 4LU. Company number 47014. We are authorised and regulated by the Financial Conduct Authority, we are also on the Financial Services Register with firm reference number 625509. We are also licensed by the Information Commissioners Office (registration number: Z3156268). Inter Financial Limited is not a bank or lender of any kind; we are a credit broker and intermediary. We will receive a commission from the partner your application is allocated to following successful introductions from this website. Some of our partners may charge you a fee; as such you should make sure you are aware of any fees before you decide to proceed with them.

Consumer Credit Trade Association Logo   Inter Financial is a proud member of the CCTA see below our commitment to you!
CCTA code of practice | Code of Practice Addendum 25th July 2012 | CCTA Customer Charter