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Our Loans

Poor Credit Loans

Oyster Loan is your trusted loan partner in the UK. We are authorised by FCA and share practical poor credit loans according to your repayment capacity. We believe in empowering bad credit borrowers and thus offer choice of loans. You can compare and choose an exact match.

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Short Term Loans

Cash can be an absolute necessity for financially broke people. Our team of specialised brokers understands the limitations of bad credit borrowing. We work 24 X 7 to help borrowers with low loan eligibility find tailored short term loans for up to 12 months or more.

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Instalment Loans

Whether you need instant decision loans or plan to gap fill payment for your pending credit bills, we at Oysterloan are committed to help you find customised loan advice for your credit needs. We help you find flexible instalment loans despite your past history and score.

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Representative example:

We compare loans that can be paid back over terms of between 1 and 25 years. The APR interest rate you'll be charged depends on your personal circumstances, and will be between 3.2% and 99.9%. This is a representative example of what it may cost : a Loan of £7,500 over 60 months at 3.3% APR would equate to monthly repayments of £135.60, and the total cost of the loan that you pay back would be £8,136.22

Registered UK broker to introduce exciting offers on Bad Credit Short Term Loans Online

Our dedicated pool of financial experts can assist you avail Instalment loans, bad credit loans and short term loans despite bad history. We help you find regulated direct lenders and easy disbursals.

Online Loan broker

Oyster Loan is a registered Online Loan broker in the UK, offering financial assistance to the borrowers so that they could avail efficient and exciting deals directly from the lenders on poor credit loans, Instalment loans and short term loans. We are always committed to provide maximum level of satisfaction through our bespoke brokering services. The services are specifically customised to meet critical financial requirements of the individuals

Oyster Loan is among the very few brokering companies in the UK, offering not only assured assistance on loans, but we also guide on serious monetary concerns. We always aim for sustainable monetary aid to our prospective borrowers by introducing the experienced lenders. We have a team of professional brokers, who guide people by giving them suitable and the most appropriate financial advice.

We assist prospective borrowers, who show up 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 nothing to worry about. We will get it brokered through the appropriate and legitimate channel. Borrower's interest always tops our brokering.

poor credit loans

Oyster Loan introduces available deals on poor credit loans, helping borrowers to become aware about regular flow of funds to improve their falling credit situation. We help our clients get loans at competitive interest rates and flexible repayment options. We also guide them if they want loan to be disbursed quickly into their registered bank account.

Sometimes, you are in an urgent need of money but need more time. You are always welcome to give us an opportunity to serve your purpose. We have helped borrowers with the real time brokering, while ensuring adequate financial assistance.

For receiving immediate funds, we have designed a specialised brokering for short term loans. And the most attractive aspect is that our brokering is free of any obligations or formalities. We are not charging any fees.

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


Oyster Loans 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 Loans does not charge any fees. If you are contacted by anyone claiming to be from Oyster Loans 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.

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Oyster Loan
71-75 Shelton Street
Covent Garden, WC2H 9JQ United Kingdom
0203 633 1699