Representative APR
Minimum Loan Term: 1 month - Maximum Loan Term: 36 months
Representative Example
£1,000 borrowed for 18 months with monthly repayments of £89.22. The total amount repayable is £1,605.96. Interest amounts to £570.44 at an annual interest rate of 59.97% (fixed). Representative APR: 79.5% (variable)
Warning: Late repayment can cause you serious money problems.
For help, go to MoneyHelper
Gemini is a broker, we do not make lending decisions.
We receive a commission from the lender.
What We Provide
Gemini is a UK-based credit broker committed to making short-term finance accessible, transparent, and straightforward. We help customers find suitable payday & short-term loan options quickly and securely by connecting them with a panel of reputable, FCA-authorised lenders.
We are not a lender ourselves. Our role is to act as an independent intermediary — you complete one simple application with us, and we securely forward your details to suitable lenders who may be able to offer you a loan based on your individual circumstances.
Our Mission
To deliver a customer-first borrowing experience that is honest, responsible, and stress-free. We believe everyone deserves clear information and fair options when they need short-term financial support, without hidden costs or unnecessary pressure.
Our service is completely free for customers. You will never be charged any broker or application fees by Gemini. All interest rates, fees, and repayment terms are clearly presented by the lender before you decide whether to proceed.
Fees & Cost Caps
All high-cost short-term credit in the UK is subject to strict rules set by the Financial Conduct Authority (FCA). This includes a price cap that ensures you will never repay more than double the original amount borrowed in interest and fees combined.
Lenders must also follow a daily interest cap of 0.8% and limits on default charges. For full details of these protections, please visit the official FCA page on high-cost short-term credit.
Putting Customers First
At Gemini, we are a customer-first business. Everything we do is built around making your experience safe, transparent, and as stress-free as possible. We understand that when you need a short-term loan, you want speed, simplicity, and peace of mind — and we’ve designed our entire service with that in mind.
From our fast online application to our clear and honest process, we work hard to make accessing finance straightforward. We only partner with reputable FCA-authorised lenders who share our commitment to treating customers fairly and providing excellent support throughout your borrowing journey.
Our Promise To You
We are committed to providing quick, secure, and hassle-free access to short-term loans. Customer satisfaction is at the heart of everything we do. We will never hide fees, inflate costs, or make the process more complicated than it needs to be.
Our experienced team and trusted lender partners are dedicated to treating you fairly at every stage — from your initial application through to repayment. We’re here to help, not just during the process, but whenever you need support.
15 Reasons to Choose Gemini
Why each day thousands of UK customers trust Gemini with their short-term borrowing needs
Frequently Asked Questions
Everything you need to know about borrowing with Gemini