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Loan Tube review

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

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Our verdict

Loan Tube suits UK borrowers with thin credit files who want a fee free quote and fast cash, though the APR range shows what subprime lending costs. It is a broker, so the lender and rate come after you apply. Amounts run £1,000 to £35,000 over 3 to 120.

Key facts

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

Facts checked September 26, 2026, 5 sources

Apps and profiles

Elsewhere
LinkedIng.page

Pros and cons

Pros

  • Origination fee of 0 GBP on personal loans
  • Soft prequalification credit check, soft prequal, so a quote need not hit your file hard
  • Funding runs Same day to next working day depending on lender
  • Fixed rate loans across 3 to 120, including debt consolidation, secured, guarantor, car and bridging forms

Cons

  • APR runs 18.22% to 1,721%, far above the site median of 14.43%
  • Broker model, broker, so the lender sets the final rate and terms
  • Support runs on email, phone and help centre, with no branch or in person channel listed
Loan Tube

Ready to try Loan Tube?

Scored 8.7 / 10 by SumCue.

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Who it suits

  • UK residents with a poor credit history, poor, needing home improvement money
  • Anyone consolidating debts into one fixed rate repayment
  • Borrowers wanting a soft check quote with no arrangement fee

Who should look elsewhere

  • Borrowers wanting the lowest rate, since 18.22% to 1,721% runs well past the market median
  • Anyone wanting to deal with one named lender directly, as Loan Tube is a broker

Deposit protection

Loan Tube does not hold deposits. It is a broker, broker, so an application is passed to a lender who sets the rate and collects the money. The representative example is a small loan over a short term, which shows a high percentage rate and a total repayment far above the amount borrowed. The broker is authorised and regulated by the Financial Conduct Authority under 753151.

The company behind it

The site is run by Tiger Lion Financial Limited, Tiger Lion Financial Limited, registered in the United Kingdom, GB, and founded in 2019. It is authorised and regulated by the Financial Conduct Authority under 753151. Support runs on email, phone and help centre, so help is by phone, email or the help centre rather than in person.

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 does Loan Tube cost to arrange a loan?+

The origination fee on personal loans is 0 GBP, so applying carries no arrangement charge. Cost comes from interest instead, and the representative example shows a small loan repaid over a short term at a high rate. Read the representative example before applying.

What APR will I pay on a Loan Tube personal loan?+

The stated range is 18.22% to 1,721%, which covers subprime borrowing and is wide because lenders price differently. That is far above the 14.43% typical of personal loans on the site. The rate you receive depends on the lender Loan Tube matches you to.

How much can I borrow and over what period?+

Loan amounts run £1,000 to £35,000 and terms run 3 to 120. The representative example pairs a small amount with a short term, so monthly payments stay manageable. Longer terms spread the cost but add total interest.

How long does a Loan Tube loan take to arrive?+

Funding time is Same day to next working day depending on lender, so a decision can lead to money the same day. The exact timing depends on the lender and on when you apply. Same day funding is one of the features Loan Tube highlights.

Is Loan Tube regulated?+

Yes. The broker is authorised and regulated by the Financial Conduct Authority under 753151. As a broker, Loan Tube introduces you to lenders rather than lending the money itself, so the contract you sign is with the lender.

What credit history do I need?+

Loan Tube states it works with people with a poor credit history, poor, and uses a soft prequalification check, soft prequal, to start. A full check is likely at the application stage. Approval still depends on the lender.

Who is behind Loan Tube?+

The service is provided by Tiger Lion Financial Limited, Tiger Lion Financial Limited, based in the United Kingdom, GB, and founded in 2019. It is regulated by the Financial Conduct Authority under 753151.

How do I get help from Loan Tube?+

Support runs on email, phone and help centre, covering phone, email and a help centre. There is no branch mentioned, so questions about an application go to the lender that Loan Tube introduces you to.

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

    “APR rate starts from 18.22%. The maximum APR rate is 1721%”

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

Loan Tube

Loan Tube

Borrowers with poor credit wanting a soft check and a fee free broker quote.

8.7/10See alternatives