About us
We think finding a loan should be straightforward.
Nudge Loans is an independent comparison site built to help UK borrowers cut through the noise and find the right short term loan — quickly, freely, and without any pressure.
What we do
We compare. You choose.
Nudge Loans compares short term loans from the top FCA-regulated lenders in one place. We're completely independent — not owned by a lender and not paid to favour any particular product.
Our job is to give you clear, honest information so you can make an informed decision. We only list lenders that meet our standards for transparency and fair lending.
Every lender on our panel is authorised and regulated by the Financial Conduct Authority. We add a Nudge Score to each listing — our independent assessment of overall value, not just APR.
Our methodology
How we choose our lenders
Not every lender makes it onto our panel. Before listing any lender, we carry out a thorough review:
How it works
Simple. Transparent. Free.
We list every lender
We research, review, and independently score every lender on our panel. Our Nudge Score reflects value to you, not commercial arrangements.
You compare and apply
Browse our comparison table, filter by what matters to you, and apply directly with the lender of your choice. No middleman in the application.
How we keep the lights on
If you're approved through one of our links, the lender pays us a referral fee. This is how we keep the site free for everyone. It's always disclosed.
Our promise
We'll always be straight with you.
We know that borrowing money is a serious decision. We promise to show you real rates, real lender information, and real independent scores — not just whoever has the biggest marketing budget.
We include debt advice resources and regulator links on every page. And if none of our lenders are right for you, we'll say so.
The team
Two people. One mission.
Nudge started because we thought borrowers deserved better than a wall of ads disguised as comparison. We're a small, independent team — no investors, no parent company, no lender ownership. Just two people who believe you should be able to find a fair loan without the noise.
Paul
The guy who actually knows the lenders
Paul has more than 20 years of experience in Europe & the Middle East working in consumer finance. He writes our independent lender verdicts, manages our lender panel, and ensures every review meets our editorial standards. Paul is passionate about sharing financial insights & education to our viewers.
Mike
The guy who built this
Michael leads the platform design, build and commercial strategy. With a background in fintech, technology and data product development, he oversees how we present, score, and surface the right lenders for each borrower — making sure what you see is the best & most honest customer experience possible.