Welcome to a fresh approach to borrowing

We are a fully regulated and authorised credit broker and not a lender. Rates between 35.90% APR and 1294.00% APR. Your personalised APR may differ depending on your credit score and circumstances. Loan lengths from 1 to 36 months. *Loans are subject to application being approved by the lender. Not all lenders are able to provide up to £5,000. *Not all lenders can pay out the same day or in 15 minutes.
Representative Payday Example: Borrow £300 for 1 month. One total repayment of £366.89. Interest: £66.89. Interest rate: 292% pa (fixed).
Representative 1019.34% APR.
Representative Instalment Example: Borrow £1,250 for 12 months. 12 monthly repayments of £148.62. Total repayment £1,783.46. Interest: £533.46. Interest rate: 71.3% pa (fixed).
Representative 99.9% APR.

We are aware of a scam circulating. Silver City Tech Ltd does NOT charge any fees to customers. Please be aware of suspicious phone calls from anyone claiming to be from Silver City Tech Ltd or one of our trading styles, we do not call customers.

3 Simple Steps

We'll Look For A Solution For You

As a finance broker, we provide a simple and transparent service to help you find the loan solution that suits your needs. After you fill out our application form, we will search our panel to find you a loan in a couple of minutes and, if we do find one, we will take you directly to the lender’s page so you can go through their application process and get your funds.

Just to let you know, we do not work with every lender in the UK and we don’t pretend we do, so keep in mind that you might be able to find a better loan yourself. If we are not able to find you a loan, we may refer you to another broker who could ask you to pay a fee. We may also refer you to a different kind of solution, like a debt help service or a credit score company to help you get to a better financial position. We can’t promise we will find you a loan, but we do promise we will always do our best.

Find me a loan

Why is Mint Money different?

We don’t just say we offer a fresh approach to borrowing. We make it a point to do things differently from your average loan broker.

No fees charged

Mint Money will never charge a fee to find you a loan.

Poor credit may not be a problem

We work with a wide panel of credit providers that can suit different needs.

Transparency is key

We provide a transparent loan brokerage service. No hidden fees, no confusion.



This type of loan has been created to tide you over until your next payday and can be useful if you find yourself having to deal with some unexpected expenses before the end of the month. If you’re applying for a payday loan, you should keep in mind that this type of loan is always a short-term option, as you’ll have to be able to repay your loan in full on the date you have agreed with your lender. If you fail to repay your loan on its due date, your lender could charge you additional fees which will ultimately make your loan more expensive. You should also be aware that if you fail to meet your repayment date, your credit rating might be negatively affected.

In our experience, most lenders will use the payment card details you provide to collect your loan repayments, but you may also be asked to set up a direct debit to repay your loan. If your lender has been unable to collect your repayment on the date it’s due, they’re likely to keep trying for up to 90 days, but keep in mind that each lender has their own policies. Each payday lender establishes their own repayment options, over which we have no saying or control. If you have any questions or concerns regarding your lender’s repayment practices, you should refer to their terms and conditions.

If you are struggling to repay your loan on the agreed date, the most important thing is to talk to your lender. There are a number of steps you can take, often directly with the lender, to make sure that a short term issue doesn't become a long term problem:

1. Talk to the lender about delaying repayment - this can be as a simple as an extension or rollover, meaning that you simply pay the interest due this month, with the principal and any additional charge next month.

2. Agree a repayment plan - in the case of a genuine payment issue any lender we will introduce you may be able to work with you to try and come to a reasonable resolution.

3. Get advice from a free debt advice service, such as Stepchange, Money Advice Service or Pay Plan.


Instalment loans are usually the preferred type of loan for long term and high value purchases and their duration can vary from as little as a couple of months to as long as a few years. This means that you borrow a predetermined amount of money from a lender and agree to pay that amount back, plus interest, in a series of monthly or weekly payments. When you apply for an instalment loan, you can expect the potential lender to conduct a full credit check before deciding whether or not your request will be approved. This check will usually include looking at your credit score, employment history and current living situation to establish whether you can afford to pay it back.

Although the monthly or weekly repayment of an instalment loan is usually fixed, before applying for this type of loan, you should make sure you’re fully aware of the conditions you’re agreeing to, since there are a lot of variable interest rate options that can substantially change how much you end up paying. In most cases, you make the exact same payment every week or month, making it easier for you to plan ahead than when you use other financial products, such as credit cards. Once again, you should always refer to your lender’s terms and conditions to make sure you understand exactly how their repayment policies work.

Should you be struggling to repay an instalment loan, your first move should always be to contact your lender and explain your situation. There are a few options you can consider and discuss with them to try to get to a solution that suits you both:

1. Talk to your lender about early repayment - using your savings to repay your outstanding balance may be a solution, but make sure you know about your lender's early repayment policies and fees before deciding.

2. Ask about other loan options - Some lenders may offer you the possibility to switch to a loan with lower interest rates or a shorter term allowing you to cover your balance quicker or at lesser cost.

3. Look into debt consolidation - if you have several loans, merging them all into one through a debt consolidation service. But before making any decisions,

4. Get advice from a free debt advice service, Stepchange, Money Advice Service or Pay Plan.

Representative Example: Borrow £300 for 1 month. One total repayment of £366.89. Interest: £66.89. Interest rate: 292% pa (fixed). Representative 1019.34% APR.