Small loans.
Clear costs.
Real people.
Borrow £100 to £500 with clear, manageable weekly repayments.
Subject to status and affordability.
You’ll always know the total before you agree
Our pricing is simple and the same for everyone. Borrow £300, and you repay £480 in ten weekly payments of £48 — with nothing added on top. The total is agreed with you before you sign, and it never changes afterwards.
We read your application. A computer doesn’t decide.
A person makes the decision
Someone on our team assesses your circumstances individually. An automated score never decides on its own.
Only what you can genuinely afford
We look at what comes in, what goes out, and what else you’re already committed to. If the payments would stretch you, we’ll say no — and that is us doing the job properly.
Ten weeks and it’s done
No open-ended balance, no minimum payment that never clears. A finish date you can see from where you’re standing.
One loan at a time
We won’t lend more on top of a loan you’re already repaying.
The price never moves
Fixed from the moment you sign. No variable rate, nothing added later.
Authorised and regulated
PB Loans Limited is authorised and regulated by the Financial Conduct Authority, firm reference number 704303.
Four steps
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Apply online
A few minutes. Tell us what you need and a bit about your situation.
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We read it properly
A trained member of our team looks at your income, your outgoings and your circumstances. We may run a credit check.
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You get a clear decision
If we can help, we go through every figure with you before anything is signed — the amount, the weekly payment, the total.
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Ten weekly payments
We collect from you each week. You get a receipt every time, and you can ask for a statement whenever you want one.
We’d rather lend less than lend wrong
Lending someone more than they can handle isn’t a favour to them. So we build every decision around whether £48 a week will still work for you in week nine, not just in week one.
That means asking about your income, your regular bills, anything else you’re repaying, and whether anything is about to change. Sometimes we ask for more information. Sometimes we offer less than you asked for. Sometimes the answer is no.
Check if you qualify
No pressure, no obligation — just a straight answer from someone who’s actually read your application.