Loansathome4U Loans

Are you considering a loan with Loansathome4U? 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 Loansathome4U for you in this loan guide.

About – Who are LoansAtHome4U?

LoansAtHome4U offers unsecured loans to UK residents. LoansAtHome4U is now called loansathome, and is a trading name of SD Taylor Ltd. The company has more than 700 agents across the UK, located at various branches, and was founded in 2006.

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What are the key features of LoansAtHome loan?

It’s important to analyse the key features of a loan carefully before you commit. Here are the critical details of LoansAtHome Personal Loan:


Minimum APR: 466.40%

The APR for the loan is advertised at 466.40%. 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 £100 and £600.

The loan repayment period can be between 14-34 weeks.


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

Total amount of credit: £300 | Duration of agreement: 34 weeks | Interest rate: 107.05% per annum (fixed). 34 weekly repayments of: £15 | Total amount repayable: £510 | Representative 466.4% APR.

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

How do I apply for a LoansAtHome loan?

You can apply for a LoansAtHome loan online using a 2 minute application. You will receive a preliminary approval decision within minutes. Within 24 hours, they’ll contact you to arrange a home visit from a local agent.

Your agent will talk with you and work out how much you can comfortably borrow and make sure your repayments are manageable. If approved, your agent will hand over your cash there and then.

LoansAtHome reviews

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

Trustpilot review

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

How to complain about LoansAtHome?

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

Ian Pace
Customer Relationship Centre – Complaints
Loans at Home
Quantum House
290 Leek Road
Stoke on Trent
[email protected]

If LoansAtHome 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)

The current cap on loan interest and other charges

There is now a price cap to protect borrowers, which was Financial Conduct Authority which was designed to protect borrowers. This included:

  • 0.8% cost cap per day on the amount borrowed – including interest and fees.
  • Default fees cap of £15 – default interest may be charged, but should not exceed 0.8% per day.
  • Cost cap of 100% – borrowers must not be asked to pay over 100% of the money borrowed.

The limits refer to all credit agreements with an interest rate of 100% or more a year and must be fully or substantially repaid within a year.

Loan companies must also provide details of their products on a price comparison website which is authorised by the FCA and borrowers, and a summary of the cost of borrowing must be available to borrowers.

What has changed about Continuous Payment Authority

You may not have heard of this, but loan companies are often making borrowers repay their debt using a Continuous Payment Authority (CPA.) This means that they can take out money from your account.

There has been new regulations put into place, which go some way to protecting borrowers. The new rules state that if a CPA fails twice, the loan company may not keep attempting to take payments.

Other rules state that lenders must not take partial payments, it must be full payments or nothing at all – unless you have agreed otherwise.

Company information:

After researching Companies House and their website, we found the following information about S.D. Taylor Limited, of which LoansAtHome is a trading name:

Date of incorporation: 1 June 1955
Company status: Active
Company number: 00550055
Company type: Private limited Company
Address: 7 Turnberry Park Road, Gildersome, Morley, Leeds, England, LS27 7LE
Opening Hours: Monday to Friday: 8:00 A.M – 6:00 P.M
Phone number: +4408000114490

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: Authorised
FCA reference number: 708507
Trading names: 
S.D. Taylor Limited
Loans at Home
Place of business: 
7 Turnberry Park Road
Gildersome, Morley
West Yorkshire

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: Z6039974
Data controller: S.D. Taylor Limited
7 Turnberry Park
LS27 7LE

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

Where are LoansAtHome 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 branch locator on a map here.

I can’t pay the loan!

The law states that lenders must:

Getting debt help

If you need to get some advice on your debt, there organisations can provide this for free:


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
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