Representative APR
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)
Gemini is a credit broker, not a lender. We do not make lending decisions. We may receive a commission from the lender when a loan is successfully arranged. This does not affect the rate or terms you are offered.
⚠ Warning: Late repayment can cause you serious money problems. For help, go to MoneyHelper.org.uk
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.
Our Loan Products
Whether you need £100 for an emergency or £5,000 for something larger, whether your credit history is clean or complicated, Gemini has a product built for your situation.
From £100
High-street banks start at £1,000, Gemini starts at £100. Designed for boiler repairs, car breakdowns, vet bills, and the small emergencies that fall below the mainstream lending threshold. Borrow exactly what you need, nothing more.
FCA Regulated
The modern payday loan is unrecognisable from its pre-2015 reputation. Interest is capped at 0.8% per day, default fees at £15, and you will never repay more than double what you borrow. Fast, transparent and fully compliant.
3 to 36 Months
Spread repayments over a term that suits your budget, from a single month up to three years. Fixed monthly repayments mean you always know exactly what you owe and when. Ideal for larger amounts where a single repayment isn’t practical.
Bad Credit Considered
CCJs, defaults, missed payments, thin credit files, our specialist lender panel looks beyond your credit score. Decisions are based primarily on your current affordability, not your financial past. Our initial soft search has zero impact on your credit rating.
Often Within 60 Minutes
The UK Faster Payments Service operates 24 hours a day, 7 days a week, including weekends and bank holidays. Approved funds can reach your account within 60 minutes of signing, any time of day, any day of the year.
No Exceptions
Every loan arranged through Gemini is covered by the FCA’s price cap: 0.8% daily interest maximum, £15 default fee cap and total charges never exceeding what you originally borrowed. No surprises.
Putting Customers First
Short-term lending has had a complicated history. We think transparency, compliance and genuine care should be the baseline, not an afterthought. Here is what that means in practice at Gemini.
Our eligibility check uses a soft credit search that is completely invisible to other lenders and has no impact on your score. A hard search only happens if you choose to proceed and you are told this clearly before it occurs.
Gemini never charges you a fee. Not for the search, not for the match, not at any stage. We receive a commission from the lender only if a loan is arranged. This has no effect on your interest rate or repayment terms.
The FCA’s price cap limits interest to 0.8% per day, caps default charges at £15, and ensures you will never repay more than 100% of what you borrowed in total charges. This applies to every loan arranged through Gemini.
You see the exact monthly repayment and total amount repayable before agreeing to anything. There is no obligation to proceed at any stage, and no surprises in the small print after you sign.
Under the Consumer Credit Act, you have the right to repay your loan early at any point and only pay interest for the days you have held it, reducing your total cost.
FCA rules require all lenders on our panel to treat customers in financial difficulty fairly, by offering them realistic payment arrangements rather than simply adding fees. Contact your lender before a payment date, not after.
Gemini operates under the FCA’s Treating Customers Fairly principles. View our TCF policy to see exactly what this means for you in practice at every stage of your journey with us.
Gemini is registered with the Information Commissioner’s Office under registration ZA069965 and complies fully with UK GDPR. We use bank-level encryption and never sell your data. See our Privacy Policy.
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