About 1st Stop

1st Stop Loans started in 2009, with the idea of creating a fair way to borrow. Since then, they have helped thousands of customers get access to the funds they need. They have also rebranded – you may have come across this lender as Oplo or Tandem.

Tandem offer home improvement loans, home loans and car finance options. You can take out a home loan of between £5,000 and £250,000. They base the loan amount on how much you can afford to repay each month, and the loan purpose – that way, they can tailor the loan to you.

It should be noted that Tandem charge an acceptance fee of £1,295, which is spread over your loan term. However they offer a comparatively low interest rate for short term loans – Tandem has a Representative 10.9% APR.

Last Updated: February 2023

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• Free Service: We don’t charge our customers any fees or charges – you can make an application with My Financial Broker for free. We instead work on a commission basis with our direct lenders.

• All Credit Histories Considered: If you have bad credit, you may have been turned down by more traditional lenders. But the short term loan lenders we work with understand that nobody has a perfect credit history, and are more concerned with factors like your income and expenses than your credit score. As long as you can afford to make the loan repayments without putting yourself into any difficulty, you should be eligible for a short term loan.

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