So How Does It Work


Late repayment can cause you serious money problems.

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Representative 1212% APR variable.

Sandhurst Associates Limited is an FCA authorised credit broker, not a lender.

The how!

Happy Dosh offer a loan searching facility, you enter your details, we search our lenders and match you with a lender whom may be able to help you. We then redirect you to their site along with all the details you have completed (So you don't need to fill anything in twice) for you to complete any further details and arrange pay out. We do not charge any upfront fees and we do not work with anyone who does, we also are committed to treating customers fairly and order our lenders by the representative APR (Lowest first).

The what!

Short term loans are regulated loans (By the FCA) which are normally taken over a short period of time, this could be from a day or two to three months, they are expensive in comparison to longer term unsecured loans and should be used very carefully, recent regulation updates mean short term loans have been capped in how much per day a lender can charge you and also a cap has been put on lenders meaning they can never charge you more than double what you have borrowed even if you experience financial difficulty. They do still remain the most expensive form of borrowing currently, they are designed to be used in an emergency when you need cash quickly as a short term fix and not a long term resolution, an example of when a short term loan could be used are (Please consider any other alternatives) a broken car which you need to get to work with but you do not have the cash to have it repaired and you're not in a position to get this from elsewhere. Many people presume that because the APR of a payday loan is around 1200% that they pay back 1200 what they borrowed, this is not the case, an example of the cost of a short term loan of £100 borrowed over 30 days as long as it was paid back on time you would pay back £124, lenders do vary and some are less than this.

Our service

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