About Small Loans Ltd

A friendly, family-run lender you can trust.

Our Story

Small Loans Ltd was founded with a simple mission: to provide fair, affordable loans to everyday people across the North West of England. We are a family-run business, and we believe in treating every customer the way we would want to be treated ourselves – with honesty, respect, and a genuine desire to help.

We know that life can throw unexpected challenges your way. Whether it’s an urgent car repair, an appliance that’s broken down, or simply making ends meet before payday, we are here to help when you need it most.

Why Choose Us?

Unlike big banks and online-only lenders, we take the time to get to know our customers. Every application is reviewed by a real person, not a computer. We look at your current situation – not just a credit score – which means we can often help people who have been turned down elsewhere.

  • Family-run & friendly: We treat you as a person, not a number. Our team takes pride in offering a warm, personal service.
  • Bad credit accepted: Had trouble with credit in the past? CCJs, defaults, or missed payments? We still consider your application.
  • Loans up to £5,000: Borrow what you need, with repayment terms that work for your budget.
  • Local & trustworthy: Based in Manchester, we serve communities across Lancashire, Greater Manchester, Merseyside, Cumbria, and West Yorkshire.
  • FCA authorised: We are fully authorised and regulated by the Financial Conduct Authority, so you can borrow with confidence.
  • No hidden fees: We are upfront about our charges. What we quote is what you pay.

Our Values

At the heart of everything we do is a commitment to responsible lending. We will never lend you more than you can afford to repay, and we work with you if your circumstances change. Our customers come back to us time and again because they know they can rely on us for a fair deal and a friendly face.

Get in Touch

If you would like to find out more about how we can help, don’t hesitate to get in touch. You can apply online, call us on 07777 110041, or email john@smallloanslimited.co.uk.

Small Loans Ltd
First Floor, Swan Buildings, 20 Swan Street, Manchester M4 5JW
Phone: 07777 110041 · Email: john@smallloanslimited.co.uk
Monday–Friday, 9am–5pm
Company Registration: 6621585 · FCA Authorised