Tick Tock Loans Review 2025: Is Tick Tock Loans safe ?

At a Glance

• FCA Regulated: Yes (Reg. No. 718888)
• Loan Amount: £300 – £1,000
• Term: 3–6 months
• APR: 1,297.89% (Representative)
• Approval Speed: Within hours
• Early Repayment: Allowed, no fees
• Rating: 2.2/5 on Trustpilot

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If you need quick cash, Tick Tock Loans could be an option. This lender offers short-term loans with fast approval. But is it the right choice for you?

Tick Tock Loans is an FCA-regulated UK direct lender (Reg. No. 718888) offering short-term loans with manual underwriting, meaning a dedicated account manager reviews each application.

This personal approach can improve approval chances, but borrowers should weigh the costs and risks before applying.

This Tick Tock Loans review covers the latest updates for 2025. We will look at the pros, cons, interest rates, and eligibility criteria. I guarantee that after reading the complete article, you will have a clear idea whether Tick Tock Loans is worth it.

What is Tick Tock Loans?

Tick Tock Loans is a UK-based short-term loan provider. Unlike many lenders that use automated systems, Tick Tock uses manual underwriting. This means a real person is assigned as your account manager to review your application. Loan Circle Review

The company is a direct lender, not a broker. It’s regulated by the Financial Conduct Authority (FCA) under registration number 718888. This ensures compliance with UK lending laws.

Tick Tock Loans focuses on helping customers with urgent money needs, even if they have a less than perfect credit score.

About Tick Tock Loans

Tick Tock Loans is owned and managed by Savvy Loan Products Limited, a company based in the UK.
It’s officially regulated by the Financial Conduct Authority (FCA) under registration number 718888, which means it must follow UK lending rules and treat customers fairly.

Being FCA-regulated also means:

• You’re protected under UK consumer credit laws.
• The company must show all loan costs clearly before you sign.
• You can contact the Financial Ombudsman if you have an issue that isn’t resolved fairly.

Tick Tock Loans operates from
7 Berkley Crescent, Gravesend, Kent, DA12 2AH, United Kingdom.

You can verify the company’s registration on the FCA Register before applying.

Key Features of Tick Tock Loans

Here is a quick overview of Tick Tock Loans:

Feature	Details
Loan Amount	£300 – £1,000
New Customer Limit	Up to £1,000
Loan Term	3 to 6 months
Representative APR	1297.89%
Max APR	1,250%
Funding Speed	Within a few hours of approval
Early Repayment Option	Yes, without penalty
Repayment Frequency	Monthly
Repayment Methods	Direct Debit or CPA
Employer Contacted	Yes

Tick Tock Loans is part of Savvy Loans Products Ltd, which means you are dealing with an experienced financial company.

Before taking any loan, it’s good to know what the repayments might look like.
Here’s a simple example based on Tick Tock’s representative rate:

Example:
If you borrow £500 for 6 months at a Representative APR of 1,297.89%,
you’ll repay a total of around £792 — that includes both the loan and the interest.

Remember, this is just an example.
Your actual cost will depend on your credit score, loan term, and the amount you borrow.

Tip: Short-term loans are helpful for emergencies, but because of high interest, it’s best to repay them as early as you can.

How Tick Tock Loans Works?

Applying for Tick Tock Loans is simple and easy, just need to follow the steps carefully:-

• Select Loan Amount – Use the sliders on their homepage to choose how much you need and for how long.
• Apply Online – Fill out the form with your income and expenses. You’ll need to submit at least 3 months of bank statements.
• Credit Check – Tick Tock performs a full credit search, which leaves a mark on your credit file.
• Manual Underwriting – A personal manager reviews your details.
• Approval & Payout – If approved, money is transferred to your account within a few hours.

This personalised review approach may increase your chances if you have been turned down by automated systems elsewhere. No Refusal Payday Loans UK Direct Lenders

Repayment Options

Tick Tock Loans offers two repayment methods:-

Direct Debit

Set it up during your application. Your monthly payment is taken automatically on the agreed date.

Continuous Payment Authority (CPA)

This allows the lender to take payments from your account when due. It’s common among short-term lenders. You can cancel it anytime through your bank.

Tip: Always ensure enough money is in your account to avoid failed payments or fees.

Eligibility Criteria

You must meet these basic requirements:

• Be 21 or older
• Be a UK resident
• Have a UK bank account
• Be legally able to sign a credit agreement
• Be able to provide proof of income

Important: Only apply if you are sure you can meet the repayment schedule. Late payments can harm your credit score and lead to serious financial stress.

Before taking any loan, it’s good to know what the repayments might look like.
Here’s a simple example based on Tick Tock’s representative rate:

Example:
If you borrow £500 for 6 months at a Representative APR of 1,297.89%,
you’ll repay a total of around £792 — that includes both the loan and the interest.

Remember, this is just an example.
Your actual cost will depend on your credit score, loan term, and the amount you borrow.

Tip: Short-term loans are helpful for emergencies, but because of high interest, it’s best to repay them as early as you can.

Pros and Cons of Tick Tock Loans

Before applying, it is recommended to go through the pros and cons of the loans for a better decision:-

✅ Pros	❌ Cons
Fast Access to Funds – Receive money within a few hours after approval.	High Interest Rates – APR over 1,200% makes this an expensive borrowing option.
Repay Early Anytime – Only pay interest for the time you had the loan. No extra charges.	Mixed Customer Reviews – Some users reported issues with communication and service.
Personal Review – Your application is reviewed manually, not just by a computer.	Risk of CPA – Some borrowers may not be comfortable with CPA being used for repayments.

How Tick Tock Loans Compares to Other Lenders

Here’s how Tick Tock Loans stacks up against other popular short-term lenders in the UK:

Lender	Loan Amount	Representative APR	FCA Regulated	Payout Time	Early Repayment	Special Feature
Tick Tock Loans	£300–£1,000	1,297.89%	Yes	Within hours	Yes	Manual underwriting with personal manager
Lending Stream	£50–£1,500	1,333%	Yes	90 seconds	Yes	Instant transfer if approved
Drafty	£1,000–£3,000 (credit line)	89.7%	Yes	Minutes	Yes	Works like a flexible credit line
Tendo Loans	£300–£1,500	1,200%	Yes	Same day	Yes	Transparent fees and clear process

Tick Tock Loans is fast and personal, but its interest rates are much higher than many other options. If speed is your main need, it might work but if you want lower costs, check Drafty or Lending Stream first.

Trustpilot Reviews of Tick Tock Loans

Tick Tock Loans has an average rating of 2.2 stars on Trustpilot from 45 reviews (as of February 2024). This is marked as “Poor.”

Here’s a snapshot of what users say:

Positive Reviews

• Quick application process
• Fast deposit after approval
• Good option for people with poor credit

Negative Reviews

• Poor customer service
• Difficulty reaching support
• Delays in decision-making

Our Take: While some users found the experience smooth, others faced frustration during the application or repayment stage. The inconsistency in service may be something to consider.

Is Tick Tock Loans Legit or Safe?

Yes ,Tick Tock Loans is a real and legitimate UK lender.
It is authorised and regulated by the Financial Conduct Authority (FCA), so it must follow strict lending rules.

Unlike some websites that act as brokers and pass your details to other lenders, Tick Tock Loans is a direct lender.

That means your information is handled by them directly, which is generally safer.However, even though it’s legitimate, borrowers should still be careful.

The APR is extremely high — over 1,200% — which makes it an expensive form of borrowing.
So, it’s best to use Tick Tock Loans only for genuine financial emergencies and short periods, not for daily expenses.

If you want to learn more about safe borrowing, you can read the MoneyHelper Short-Term Loans Guide for official advice.

Should You Choose Tick Tock Loans?

Tick Tock Loans might be suitable if:

• You have poor credit and need money quickly
• You are confident about repaying on time
• You want the option to repay early without extra fees

However, it might not be ideal if:

• You qualify for cheaper options like personal loans or credit unions
• You are unsure about your ability to repay
• You prefer lenders with consistently high customer ratings

Alternative tip: Always compare lenders on terms, rates, and reviews before deciding.

Important Facts You Should Know

• CPA Explained: A Continuous Payment Authority lets a lender take money from your account anytime. You can cancel it through your bank.
• FCA Rules Cap Charges: You won’t pay more than double the amount you borrowed. Default fees are also capped at £15.
• Short-Term Loans Are Not Long-Term Solutions: They are meant for emergencies, not regular borrowing.

Tick Tock Loans Customer Support

By Post

• Savvy Loan Products Limited (Trading as Tick Tock Loans)
• 7 Berkley Crescent,
• Gravesend,
• Kent,
• DA12 2AH, United Kingdom

Phone Support

• Call 020 8090 8340
• Available Monday to Friday, from 9:00 AM to 5:00 PM

Email Support
Reach out at [email protected]

Conclusion

Tick Tock Loans offers a lifeline to borrowers who need quick cash and may not qualify for other loans due to poor credit score. Its manual review process can work in your favour if your credit file isn’t perfect. 5 Shocking Facts About Bingo Loans

On the other hand Tick Tock loans have high interest rates, and the company’s mixed reviews show there is requirement for improvement especially in customer service.

If you are considering this option, read the terms carefully, only borrow what you can repay, and use the loan for genuine emergencies, not for everyday expenses.

Choose Tick Tock Loans if

• You need urgent cash and have limited loan options.
• You like the idea of having a personal loan manager.
• You want to repay early without extra charges.

Avoid it if

• You qualify for cheaper credit options.
• You’re unsure about making full repayments.
• You prefer a lender with more consistent customer reviews.

Final Tip Always check your lender’s FCA registration, compare interest rates, and read the fine print carefully.
Borrowing smart is better than borrowing fast.

If you have any question write in the comment section.