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Oyster Loan is a UK based loan broker helping borrowers to find offers on short-term unsecured personal loans from regulated lenders. We can be your helping hand throughout your search for a right lender to lend you the money you require to treat your financial emergencies.

Our Loans

Poor Credit Loans

Oyster Loan is a loan broker in the UK. We are authorised by the FCA and offer various loan deals according to your repayment capacity. We believe in empowering bad credit borrowers and thus offer a choice of loans.

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Short-term Loans

Cash can be an absolute necessity for financially broke people. Our team understands the limitations of bad credit borrowing. We work to help borrowers with low loan eligibility by finding tailored short-term loans for up to 12 months or more.

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Instalment Loans

Whether you need loans or plan to repayment your pending credit bills, we at Oyster Loan are committed to help you find customised loan plans for your credit needs. We help you find flexible instalment loans despite your history and score.

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Representative APR example:

The rate you are offered will depend on your individual circumstances.

All loans are subject to status. The interest rate offered will vary depending on our assessment of your financial circumstances and your chosen loan amount.

Representative APR example: for comparison purposes 12.9% APR Representative Fixed based on a loan of £10,000 repayable over 60 Months. Monthly payment of £223.43 total amount repayable £13,405.80.

Registered UK Broker to Introduce Exciting Offers on Bad Credit Short-term Loans Online

Our extremely dedicated team can help you to avail instalment loans, bad credit loans and short-term loans despite bad history. We help you find regulated lenders and easy disbursals.

Online Loan broker

Oyster Loan is a registered online loan broker in the UK, with a mission to help   borrowers so that they could avail efficient and exciting deals directly from the lenders for poor credit loans, instalment loans and short-term loans. We are always committed to provide the maximum level of satisfaction through our brokering services. The services are specifically customised to meet the critical financial requirements of the individuals.

We have a team of professionals, who strive to deliver attractive loan deals available with our partner lenders. .

We helpprospective borrowers, who have a poor credit history or less than perfect credit score. In case, your credit score is low or your credit file shows old, unsettled debts, there is chance that you might get a loan through us. How? As we deal with multiple lenders, . There may be lenders in our panel who will be interested in lending you a loan despite a bad credit history. Borrower's interest always tops our brokering. 

poor credit loans

Oyster Loan introduces available deals on poor credit loans, helping borrowers to become aware of the regular flow of funds to improve their falling credit situation. We help our clients get loans at competitive interest rates and flexible repayment options.

Sometimes, you are in an urgent need of money immediately. . You are always welcome to give us an opportunity to serve your purpose. Once we and our partner lenders have all the necessary details for the process of loan disbursal (which happens after your loan request is approved), it doesn’t take much time. However, we request you to thoroughly check the Terms & Conditions of the lender you have chosen to deal with. Oyster Loan is an FCA regulated loan broker and doesn’t charge any upfront fees.

If you search for a loan broker to help you get through the lender's deals, we are a valuable resource for you. We empower you to choose the best lender available in the panel.


Oyster Loan is a licensed LOAN BROKER and not a lender. The website is registered in the UK and is authorised and regulated by the FINANCIAL CONDUCT AUTHORITY (FCA). WARNING: Late repayment can cause you serious money problems. For more information, go to MONEYADVICESERVICE.ORG.UK.

Oyster Loan does not charge any fees. If you are contacted by anyone claiming to be from Oyster Loan and requesting you to make a payment, report it to

All Loan approvals & Quotes are subject to Credit Score and Affordability requirements by lenders. If you meet the lender's criterion, you can borrow the money. We as a broker make an attempt to process your application with the most suitable lenders in our panel.

Important payment information

Collections Process
Contact your lender directly if you have any worries about making your re-payment. If you do not endeavour to do so you will be unable to arrange any payment options and where the situation remains unresolved (where you have not re-paid your loan), the lender can exercise their right to pass your details onto a third party collections agency. This agency will then work to recover your unpaid arrears (plus any interest accrued as a result of your non-payment).

Implications of Non-Payment
By not making your short-term loan re-payment on time, you could be subject to fees and penalties, which will be implemented at the discretion of your individual lender. The details of any charges that can be added to your loan re-payment amount will be detailed within your loan agreement and this will include the reasons why further charges may be added. If you are late in making your payment this could also have a negative impact on your credit score. Therefore, in order to avoid having to re-pay more than your original agreed amount, we suggest that you re-pay your loan on time. If you fear that you will experience difficulty in paying back what you owe, please contact your lender as soon as possible.

Late Payment
Where you feel that you will not be able to meet your re-payment date and will need to make your payment at a later time – you must contact your lender to arrange this. If you do not, it could be assumed that you are unwilling to re-pay your loan and therefore you could incur a higher fee or charge than you would otherwise have done by simply extending your loan term. A late payment fee usually amounts to anywhere between £1 and £100 and this will vary dependent upon your lender. However, we do not advocate the unnecessary extension of short-term loans and as a result we ask that you ensure that you will be able to re-pay any loan that you apply for. For more information, please read and understand the terms and conditions associated with your loan agreement.

Renewal Policy
We do not advocate the renewal of short-term loans however, in the instance that you wish to do so you must contact your lender immediately. You will often be charged the same rate of interest or fees for an extra month however; this will be charged on the full amount that you owe to the creditor (amount borrowed plus first month's interest). If you are late in making your loan re- payment or you fail to make the re-payment at all, your loan may be automatically rolled over thus automatically incurring further interest and charges. Any amount that you have borrowed you will be liable to re-pay so, please make sure that you only take out a loan if you can afford to pay it back in full.

photo of Oyster Loan Oyster Loan
Oyster Loan
71-75 Shelton Street
Covent Garden, WC2H 9JQ United Kingdom £100 - £50000
+44 203 633 1699
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