Microcredit - How it works

With microloans from Toothfairy you can borrow small amounts of money when you need money fast. You apply by mobile phone or internet and receive money deposited into your bank account direct typically within a few minutes. We operate 24 hrs a day, so whenever you need us we will be able to assist.

Loans to help you - WHOMEVER you are

Toothfairies mission is to provide small and quick loans to the British people - even those who normally would be denied loans by banks. All we require is that you are over 18 years, that you have no bad credit history, and you have resided in the United Kingdom for the last five years.

Easy application

Applying for loans- you can easily apply through any of our two channels: Internet or via SMS.

The money directly to your account

When you apply for a Toothfairy loan we typically provide you money direct to your account in as little as 60 seconds. If you are using a Building Society or Post Office account there may be a delay in transfer time.

Microcredit £100, £200 or £300

You can choose to borrow £100, £200 or £300.You have the option to pay us back either 14 or 28 days later. Your loan will need to be fully repaid before you can take out a new loan.

Low cost and easy interest

We charge a simple FLAT fee of £9 per week for every £100 borrowed. This cost is significantly lower than that of most banks charge as a minimum charge for setting up a short term loan, and is charged to cover the costs of credit control and administration of the loan.
Loan amount: £100  £200  £300
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