Loan Tube review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Loan Tube suits UK borrowers with poor credit who want a fast quote rather than a single lender's decision. It works as a broker rather than the lender itself, charging 0 GBP origination fee, with soft prequalification and funding that can land the same day.

Key facts

Best for
UK borrowers with poor credit who want a fast soft prequalification quote and same day funding.
APR
18.22% to 1,721% (Source, checked September 26, 2026)
Loan amount
£1,000 to £35,000 (Source, checked September 26, 2026)
Term
3 to 120 months (Source, checked September 26, 2026)
Arrangement fee
0 GBP (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Funding time
Same day to next working day depending on lender (Source, checked September 26, 2026)
Representative example
£1,000 over 18 months, 59.97% fixed, 79.5% APR, £1,554.10 total payable (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Eligibility
18 or over and resident in the United Kingdom (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Secured, Guarantor, Car, Business, Bridging, Credit-line (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Tiger Lion Financial Limited (Source, checked September 26, 2026)
Headquarters
United Kingdom (Source, checked September 26, 2026)
Founded
2019 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding, Credit line
Official website
loantube.com

Apps and profiles

Elsewhere
LinkedIng.page

Pros and cons

Pros

  • The origination fee is 0 GBP and the rate stays fixed for the whole term
  • The credit check is a soft prequalification, which suits borrowers with poor credit
  • Funding can arrive the same day to the next working day depending on the lender
  • A single application reaches lenders across personal, debt consolidation, secured, guarantor, car, business, bridging and credit line borrowing

Cons

  • The highest APR of 18.22% to 1,721% sits far above the 19.98% median for bad credit loans
  • As a broker, approval and the rate you are offered depend on which lender responds to your application
  • Eligibility is limited to adults resident in the United Kingdom, so applicants elsewhere cannot be matched to a lender
Loan Tube

Ready to try Loan Tube?

Scored 8.5 / 10 by BorrowCue.

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Who it suits

  • UK adults with poor credit who would rather have offers compared across lenders than a decision from a single panel
  • Borrowers who want an answer quickly, since the credit check is a soft prequalification and funding can land the same day
  • People with a home improvement, debt consolidation, guarantor or car purchase in mind who need a fixed rate

Who should look elsewhere

  • Anyone outside the United Kingdom, since eligibility is limited to UK residents and the Cashspace alternatives sit in another market
  • Borrowers who want the lowest possible rate, given APRs reach 18.22% to 1,721% against a 12% site median, while Monzo Flex starts lower
  • People who want a direct lender relationship, since Loan Tube is a broker and the funder is matched on your behalf

How your money is protected

Loan Tube is regulated by the Financial Conduct Authority, and the operator holds the firm reference 753151 on the FCA register. Because it works as a broker, the money comes from a lender rather than from Loan Tube, so the terms you sign are the lender's. The published representative example pairs a small fixed rate loan with a short term and a total repayable well above the amount borrowed, which is the figure worth weighing.

The company behind it

The service runs as Tiger Lion Financial Limited, based in the United Kingdom and working since 2019. It operates as a broker, so offers come from lenders rather than from a house balance sheet, which shapes how an application is handled and where the rate comes from. Support runs on email, phone and help centre, and the FCA registration is 753151.

How Loan Tube compares

Where Loan Tube is available

Available
United Kingdom
Licence in United Kingdom
Financial Conduct Authority (FCA) (753151), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What fees does Loan Tube charge?+

The origination fee is 0 GBP, so the broker adds no separate arrangement charge to the applications it handles, and the rate is fixed for the whole term. The cost of borrowing sits in the interest rate, so weigh the representative example.

Is Loan Tube regulated, and who am I dealing with?+

Loan Tube is regulated by the Financial Conduct Authority, listed under the firm reference 753151. It works as a broker, so the contract you sign is with the lender it introduces rather than with Loan Tube itself.

How quickly can I get the money?+

Funding takes Same day to next working day depending on lender, so an early decision can put money in your account the same day, while a later decision slips to the next working day. The transfer itself takes extra time, so build that into any payment date already committed to.

What credit history do I need?+

The service targets borrowers with poor credit, and the credit check is a soft prequal, designed to leave little or no visible mark. A full search usually arrives later from the lender that decides to proceed, so read those terms first.

How much can I borrow, and for how long?+

Borrowing runs £1,000 to £35,000 with terms of 3 to 120 and APRs of 18.22% to 1,721%, stretching from small personal loans to larger debt consolidation and home improvement plans. Because Loan Tube is a broker, the final amount and term come from the lender who responds.

Is there an age or residency requirement?+

Eligibility is 18 or over and resident in the United Kingdom, so the service is closed to applicants who do not live in the United Kingdom. The same day funding and the prequalification check both run on that UK resident basis, which is worth confirming before an application is started.

Sources

  • register.fca.org.uk/s/firm checked September 26, 2026

    Backs: Licences

  • loantube.com checked September 26, 2026

    Backs: Loan types, Use cases

    “LoanTube connects applicants with various lenders and providers of loans, credit cards, credit lines, and other financial products based on their requirements and circumstances”

  • loantube.com/about-us checked September 26, 2026

    Backs: Founded

    “Since 2019, we've expanded from our first few customers to helping tens of thousands of consumers and businesses every month”

  • loantube.com/personal-loans checked September 26, 2026

    Backs: Loan amount, Credit needed, Features, Funding time

    “Personal loans to back all your needs. Borrow from £1,000 to £35,000”

  • loantube.com/privacy-policy checked September 26, 2026

    Backs: Headquarters, Support channels

    “Registered office address: 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ”

  • loantube.com/terms-and-conditions checked September 26, 2026

    Backs: Legal entity, APR, Credit check, Eligibility, Lender type, Pricing model, Arrangement fee, Rate type, Representative example, Term

    “LoanTube is a trading name of Tiger Lion Financial Limited. ... our Company Number is 10189367”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Loan Tube

Loan Tube

UK borrowers with poor credit who want a fast soft prequalification quote and same day funding.

8.5/10See alternatives

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