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

Looking for a loan in a crisis?

Money emergencies can be hard to handle and no one wants to take out a crisis loan. We understand things happen, often unexpectedly and we're here to help.

How do we help turn a crisis loan into a considered loan?




A decision

We give you an initial decision in minutes


Money in 1 hour

If accepted, money is transferred to your account within the hour. Hourly payment apply between 6am-11pm.


Manageable repayments

We check to make sure your loan is affordable, this means you’ll have manageable repayments. Our loans are collected automatically by monthly or weekly continuous payment authority.


Zero hidden fees

We have no hidden fees or charges so you’ll always know the cost of your loan upfront.

As a first time customer with Satsuma Loans you can apply to borrow up to £1,000, subject to affordability. We understand that in time of crisis you need flexibility and assurance so we offer repayment options from 3 to 12 months. With the help of our handy loan calculator, you can choose a repayment option that best suits you. We also have a friendly customer service team based in the UK that you can talk to if you have any questions or queries.

You may not know this, but Satsuma Loans is a trading name of Provident Personal Credit Limited, a Bradford based company that has helped millions of people out of their own crisis or emergencies since 1880. That’s 135 years worth of experience and, most importantly, decades of trust built up with our customers so you can rely on us to do the right thing.

We have helped many people who originally searched online for help with a ‘crisis loan’ and we are happy to say we were able to help many people see things clearly and move forward. For that reason, our customers value us. See for yourself at and read customer feedback here.


What are your other options?

You could borrow money from family members but they might not have any to spare and you might feel uncomfortable asking. The chances are that if you think you need a crisis loan, you’ll have already ruled this out.

Approaching your bank or building society is also a possibility, but whilst they offer overdrafts and loans, these facilities are subject to quite strict credit scoring and are often out of reach, even for existing customers.

There are payday loans available that you typically have to repay in one lump sum by a set date, normally 30 days after you have applied. These are not ideal for many people, particularly those who started looking for a solution thinking they need a crisis loan. Budgets can be tight and if you haven’t got that money now you may also not have it in a month’s time. It’s just this sort of situation that can create a crisis loan!

Loans can be repaid either monthly or weekly over a period of 3 to 12 months depending on the loan term chosen at application. The maximum APR for a loan is 1575%.

Representative example: £480 loan repayable over 9 months. 9 monthly repayments of £106.56. Rate of interest 133.1% p.a. fixed. Representative 535% APR. Total amount payable is £959.04