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How Top Hat Money Loans Work
What are Short Term Loans and How Can They Help? When you need cash quickly and without a lot of fuss, short term loans pay fast and ask few questions. The Top Hat Money panel of short term credit lenders can approve your loan application quickly and transfer money the same day.
How Top Hat Money Payday Loans Work
  1. Fill out the form
  2. Get your decision
  3. Borrow what you need

Convenient application process

Clear, simple requirements1

Apply from the comfort of your home

Apply Now

Apply for a Loan
Life's demanding and can be unpredictable.
Whatever your situation Top Hat Money are here to help.

Top Hat Money Short Term Credit Are Loan Brokers Not Lenders

Need to borrow money quickly, in an emergency, or outside of banking hours? Can Top Hat help if if they are not lenders?

No problem, Top Hat Money runs 24 hours a day 365 days a year, the application takes minutes, and we work with a panel of lenders who aim to respond quickly to match you with your best loan.

How does it work?

If you are interested in finding a short term credit loan, fill out our application form and we will search our panel of lenders and brokers, and do our best to find someone that best match your needs.

Advantages of Short Term Credit Loans from Top Hat Money:

  • Simple loan application form, complete it in minutes
  • Fully online application, complete it from the comfort of your own home
  • Rapid decision, we'll let you know if we are able to match you with a lender as quickly as possible
  • Fast, free funding of your loans, get your money quickly, 24 hours a day 7 days a week2
  • Borrow up to £10001, even if you haven't borrowed with us before

What are Short Term Credit Loans?

Short term credit loans are short term loans designed to help you bridge the gap between anything you need money for today and money you have coming in in the future.

Short term loans mean you can get money quickly when you need it and pay it back next time you've got it.
Typically you can get money into your account the same day and pay it back at your next payday - although it is also possible to pay it back at other times.

If you are over 18 and resident in the UK with a regular income you can borrow up to £10003 for any reason, to pay a bill, unexpected repairs, forgotten birthday present, whatever you need. However payday loans are a relatively expensive way to borrow money, these loans should only be used when truly needed. They are not a solution to long-term debt problems.

To apply just fill in the simple loan application form and we'll let you know as quickly as we can if you have been approved for a loan. You don't need to fill in pages and pages of application forms, you don't need to fax or post anything or sit through long meetings explaining what you need the money for. Our application form should not take more than 5 minutes to complete and we will get you a response as quickly as possible. Once approved your lender can transfer money into your account via Faster Payments2.

Payday loans are perfect when you only need to borrow a small amount of money for a short amount of time, you want the money quickly and you want a simple, stress free method of paying it back. If that's the case fill in our loan application form now, get a quick decision and, if approved, have the cash before the end of the day.

We have been online since 2007 providing a quality service to the UK since before most people knew what a payday loan was.

We are covered by a Consumer Credit Licence 645219, you can see the details at the Consumer Credit Register. Any website operating without displaying a Consumer Credit Licence or displaying someone elses Consumer Credit Licence on which they are not named are little more than loan sharks, they can change their charges and therefore what you owe without warning, they can take money from your account without asking you, they can harrass and hound you with impunity because you don't really know who they are, they can sell your data to telesales companies, they have your address and can use whatever means they wish to make you pay up any time they like. They may have had a CCL and had it taken away, they may have applied for a CCL and been refused or they may just have not applied for one even though it's the law that you must have one to provide loans or act as a broker for loans.


New customers can request a payday loan of up to £10003

request loans of up to £1000

Once approved cash is directly deposited to your account using Faster Payments

Representative 2120% APR

What does APR mean?

Representative example > Total Amount of Credit : £200
tophatmoney hr line
Duration of Agreement: 30 days
tophatmoney hr line
Total Amount Payable: £258
to be paid in one instalment on your next payday.
tophatmoney hr line
Total Charge for Credit £58
tophatmoney hr line
Representative 2120%APR