Minty FAQs

How can we help?

All the frequently asked questions about our quick loans

At Minty we put you, our customer, first. We treat every case on its individual merit, and make human decisions rather than solely relying on computer algorithms. As a responsible lender, we do need to ensure that the loan repayments are affordable for you.

You can apply directly to us online 24/7, from the comfort of your own home. No interview, no paperwork, no hassle.

Once your  Minty loan application is approved, you will typically receive the money in 15 mins.* Sometimes we require further info from you to support your application; we aim to provide a decision within 24hrs.

No. There are no set up fees or hidden costs.

The duration of a Minty loan is 24 months.

Unfortunately, at present we do not consider applications from anyone who may be subject to any of the following: bankruptcy / IVA (Individual voluntary arrangement) / DRO (Debt Relief Order) / Trust Deed.

Everyone’s circumstances are different, so it’s fine with us if you prefer to pay us weekly, fortnightly or monthly.

Repayments are made using  a debit card ie Visa Debit, Debit MasterCard, Visa Electron or Visa Delta. We cannot accept credit card payments. You can either set up a regular payment called a CPA (Continuous Payment Authority) that will be taken automatically from your debit card, or pay us directly online.

You are welcome to repay your loan early. Just get in touch with us and we will confirm how much there is left pay. There is no penalty for settling your loan early, and you will pay no further interest once your balance is paid off.

As part of Loans 2 Go, Minty is fully regulated by the Financial Conduct Authority. You can read more about how we store, protect and use your personal data in our Privacy Policy.

We take every customer complaint very seriously. If you are not happy, we are not happy. If you have a complaint please do get in touch ASAP so that we can sort things out. To  find out more  visit our Complaints page.

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Refreshingly fast loans from £1,500 to £3,000.

Max APR 98.1% (based on  £2,250 over 24 months).

Representative example if you borrow £2,250 over 24 months at a flat rate of 44.4% per annum (fixed) with a representative 98.1% APR you will make 24 monthly payments of £177, repaying
£4,248 in total.

All loans are subject to eligibility & affordability criteria. Late payment or non-payment may result in additional fees such as court fees. Click here for our renewal policy. Available to UK residents aged 21 and over. T&Cs apply.

*Payment by bank transfer once application approved, subject to our working hours of Monday to Friday: 8am to 8pm and Saturday 8am to 5pm.