Littlewoods Loans

Are you considering a loan with Littlewoods Money? Or perhaps you already have one, and you’re looking for further information about the company. Either way, we’ve compiled the most important, in-depth information about Littlewoods’ loan for you in this loan guide.

About – Who are Littlewoods Loans?

Littlewood Loans is a trading name of Shop Direct Home Shopping ltd, which operates on behalf of Freedom Finance and offers customers access to a panel of lenders. Customers can apply to a panel of lenders to find the best loan offer available. The company is based in Liverpool and was established in 2003.

Find your best debt solution

This 4 question debt calculator will tell you if you’re eligible.

What is the total amount of your debt?

What are the key features of a Littlewoods loan?

It’s important to analyse the key features of a loan carefully before you commit. Here are the critical details of the loans you could secure by going on the Littlewoods site:


Minimum APR: 31.4%

The APR for the loan is advertised at 31.4%. This is a best case scenario. Depending on your individual circumstances, the APR could go up.

Loan Amount and Repayment Period

You can borrow between £1000 and £25,000.

The loan repayment period can be between 1-7 years.


Here’s the representative example that they give on their website:

A £3,000 loan over 3 years at 31.4% APR (fixed) will cost £123.48 a month. Total charge for credit will be £1,494.96. Total amount repayable is £4,445.16.

Information correct as of 01/04/21 (LittleWoods)

How do I apply for a Littlewoods loan?

You can apply for a LittleWoods loan online.

Will I be accepted for a Littlewoods loan? 

Littlewoods will assess you based on certain criteria. See if you meet the qualifying criteria:

  • Age: 18+
  • Residency: UK resident

Information correct as of 01/04/21 (Littlewoods)

Littlewoods reviews

It’s important to see how other customers have rated their experience with LittleWoods. Take a look at their up-to-date reviews here.

Trustpilot review

Information correct as of 14/06/21 (Trustpilot)

How to complain about Littlewoods?

Should you need to make a complaint about Littlewoods, then you can use the details below to either write to them or call them.

Skyways House
Speke Road
L70 1AB
[email protected]

If Littlewoods does not respond to your complaint then you should contact the Financial Ombudsman Service. They might be able to handle your complaint.

Information correct as of 01/04/21 (FCA)

Government cap on loan interest as well as other charges

The Financial Conduct Authority has put price caps in place to protect borrowers from facing extortionate interest rates. These include:

  • A cost cap of 0.8% per day on the value of the loan you have borrowed, including interest and charges.
  • A default fees cap of £15 – after a default, the lender may still charge interest, but it mustn’t exceed the maximum daily rate.
  • A 100% complete cost cap – you should not be asked to pay back over 100% of the money you have borrowed.

The limits are for all credit agreements that have an interest rate of 100% or more a year and that are due to be fully or substantially repaid within one year.

Additional regulations were brought into place in May 2017. They now must provide information on the products they provide on a price comparison website, and this must be FCA Authorised. In addition, borrowers should be given a summary of what they have borrowed.

New rules regarding Continuous Payment Authority

Most lenders will want you to pay back your debt using a Continuous Payment Authority (CPA). This provides the company with the right to take any sum they want from your bank.

New regulations mean that if the CPA does not go through on two occasions, no further attempts to take money from your bank account are allowed.

Rules are also in place that govern the amount of money they are permitted to take via a CPA. No longer are they allowed to take anything but the full cost of the debt. If you don’t have enough money available to cover the entire debt, they can’t take anything. Only if you allow them to take a partial payment, but that must be an agreement made prior to the money being debited, and should be in writing.

Company information:

After researching Companies House and their website, we found the following information about Shop Direct Home Shopping Ltd, of which Littlewoods Loans is a trading name:

Date of incorporation: 11 February 2003
Company status: Active
Company number: 004663281
Company type: Private limited Company
Address: First Floor, Skyways House, Speke Road, Speke, Liverpool, L70 1AB
Phone number: +4408442921000

Information correct as of 01/04/21 (Companies House)

FCA registration:

The Financial Conduct Authority (FCA) is the conduct regulator for financial services firms and financial markets in the UK. 

FCA regulated: Yes
FCA status: Appointed representative – introducer
FCA reference number: 406510
Trading names: 
Littlewood Direct
Shop Direct
Choice For You
Great Universal
Great Universal Essentials
Kays Lifestyle
Place of business: 
Skyways House
Speke Road
L70 1AB

Information correct as of 01/04/21 (FCA)

Data protection registration:

Data protection registration means that this company is registered with ICO, the UK’s independent authority set up to uphold information rights in the public interest. The privacy of your data will be protected.

Registration No: Z7738199
Data controller: Shop Direct Home Shopping Limited
First Floor
Skyways House
Speke Road
L70 1AB

Information correct as of 01/04/21 (ICO register)

Where are Littlewoods located?

You may want to speak with the loan company in person. If you do, it’s important to find a company whose offices are near your own address. Take a look at their office location on a map.

Skyways House, Speke Rd, Speke, Liverpool L70 1AB

Getting debt help

There are several organisations that can offer you free debt advice and support. These include:


CONC 2.1 Application

CONC 5.2A Creditworthiness assessment

CONC 13.1 Application

About the author

Scott Nelson

Scott Nelson is a financial services expert, with over 10 years’ experience in the industry, including 6 years in FCA regulated companies. Read more
×Find your best debt solution SEE IF YOU’RE ELIGIBLE