repaying too many loans early

redux

Alternative idea

PayPal credit with either its own debit card or a Curve card

Any single spend over £99 gets interest free credit for 4 months. That might come in handy for car bill etc.

Again, make sure to pay this off in time, but it sounds like you've got that discipline

Isthisforreal99

Another alternative idea, seems like you have been able toc 'work hard' and pay these £1000 loans off early. Why not work hard again and keep that £1000 as an emergency fund.

MEM62

https://forums.moneysavingexpert.com/discussion/comment/82097434#Comment_82097434

Then what you probably need is a flexible borrowing facility for your business (which will be available if and when you do need it) rather than keep applying for loans that you do not need.

Grumpy_chap

The OP has borrowed a small amount (£1k) for a short term (1 year) and repaid early and done so four times.

As others mentioned, this might look as though the OP doesn't have good control of their financial position.

There might also be a factor that low value loan repaid early simply are not profitable for lenders so they don't have desire to follow the same pattern again.