Short term loans in Greater Manchester

Looking for an alternative to payday loans, our short term loans and doorstep loans come with a range of repayment terms that may better suit your need. Bad credit score? We can still consider your application as we use alternative ways of making sure our loans are affordable for you.

Operating within the Greater Manchester area and lending in your community for over 30 years, we pride ourselves on an honest and personal service. With our doorstep cash loans (home credit loans), we’re able to provide a face to face service which many customers may not get with other lenders.

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.

Lending in your community

You will be assigned your own dedicated Agent who is with you every step of the way and only a phone call away.

No hidden fees or charges

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

All credit scores considered

Bad credit? We consider all credit scores and use online banking as an additional method to see if our loans are afforable for you.

Affordable loans for all situations

We do the work so we can find the right loan for you. We make sure the loan and the repayments are affordable for you.

Repayment terms to suit your needs

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

Same day bank transfers or home delivery

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

*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 an online inquiry

It takes less than 5 minutes!

Tell us the reason you’re needing the loan and provide us with some basic details. If will feel we can help in any way, we will get back in touch with you within 48 hours and arrange to do a full application over the phone.

2. Receive a call back

You’ll receive a call back from a member of our team to complete an affordability assesement.

This is our way of getting a picture of your incomings and outgoings.

We will ask for bank statements to verify the information you provide.

3. Our decision in principal

When we’ve received all the documents that we need from you, we will make a decision on whether we feel a short term loan is right for you.

If you receive a decision in principal, our expert team will decide on a suitable credit limit for you based on all the information you have provided.

4. Funds straight to your bank

If accepted, we will arrange for an Agent to contact you by phone to complete all the paperwork.

They’ll arrange a repayment plan with you and explain all the details of the loan.

Once we are confident that you understand all the details about your loan, you’ll receive a same-day bank transfer.

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.

Compare the price of home collected and other cash loans available in your area at www.lenderscompared.org.uk. All home credit customers are entitled to a free detailed statement once every 3 months; just ask.

Representative Example: £200 loan repayable over 24 weeks. 24 weekly payments of £12.50. Rate of interest 108.63% pa fixed. Representative 508.8% APR. Total Amount Payable is £300.

All loans are subject to status and affordability and will require an Agent of Brantwood Finance Company to discuss your finances and to ensure the loan is affordable to you. Available to UK Residents aged 21 and over.

Brantwood Finance Company is a trading name of Blueprint Investments Ltd. Company registered in England no. 03140566. Authorised and regulated by the Financial Conduct Authority.

Proud member of the Consumer Credit Association.