COVID-19 Update

During these uncertain times we wanted to let all our valued customers know that we’re still able to serve our existing customers. Although none of our agents are currently doing home visits, we would like our customers to be aware of the following things:

  • We have limited staff working from home. If you would like to contact us please email: lesscostloans.co.uk@gmail.com we will reply within 24 hours
  • Existing Customers can still apply for loans by applying online. If your loan application is successful we have the facility to complete the paperwork using e-sign, if you’re accepted for the loan we can get the funds to you within 24 hours

We’re keeping up to date with the latest government advice on a daily basis.

about us

North East Affordable Short-Term Loans

Lesscostloans.co.uk are a family-run unsecured loan company. We have been trading for over 20 years, and we put this down to our unique and friendly service that we provide.

Our Commitment to You
1. We always treat our customers fairly and professionally.
2. We will always explain the pricing of our products clearly and simply.
3. We will not allow our customers to have more credit than we think they can afford.

How Much Do You Need?

£100     £1000
15 weeks     30 weeks
Repayment Interest
Total to repay

Representative example: £100 loan repayable over 20 weeks. 20 weekly payments of £7.50 Rate
of interest 130% p.a. fixed. Representative 756.5% APR. Total amount payable is £150.

Warning: Late repayment can cause you serious money problems. For help, go to www.moneyadviceservice.org.uk

Compare the price of home-collected and other cash loans in your area at www.lenderscompared.org.uk


Great customer service

Mrs Haswell


Lovely family run business. I have been a customer for a very long time.

Mr Guthrie

Good efficient service

Mrs Ellis

Contact Info


Clavering House, Clavering Place, Newcastle-Upon-Tyne, NE1 3NG

Business Hours

9am-6pm (Monday – Friday)
9am – 12pm (Saturday)


(0191) 917 5737
email: lesscostloans.co.uk@gmail.com

Authorised and regulated by the Financial Conduct Authority