About The STF Family


A family run company with family values within our hearts

With Short Term Finance, the clue is the name! We’ve been providing short term loans and Love2Shop shopping cards to our customers at a competitive rate since 2003, and always with a personal touch.

Our key company philosophies are to be friendly, professional and trustworthy, which is why we’re members of the CCTA (Consumer Credit Trade Association), ensuring that responsible lending is at the heart of our business.

We’re also famous for our friendly and understanding customer service – we’re dedicated to simplifying the short term loans sector, and work to keep our loans as easy and affordable as possible.

Our country-wide team of experienced agents are on call to support you through your loan process, ensuring that both the borrowing and the repayments are smooth and stress-free, but they couldn’t do this without our key team, who you can read more about below…


Paul Rhodes - Chairman

Paul has over 60 years’ experience in the home credit sector. During that time, he has successfully built and managed several home credit companies. In 2003 he formed Loans At Home followed by the purchase of Short Term Finance in 2006. Together with Managing Director Darren Baines, they have built STF into the largest family run home credit provider in the UK.

Darren Baines – Managing Director

Darren joined Paul Rhodes at Loans At Home in 2004 and 2 years later became Managing Director of Short Term Finance when it was bought by Loans At Home forming one company. Darren remains in that role today. Darren’s entire career has been in the home credit sector, giving him 28 years of invaluable experience, working his way up from an agent in 1992 to where he is today. Darren is married to Jo, who also works for STF, and they have three children together. He is a keen football fan and motorsport enthusiast.

Sarah Pugh – Finance Director

Sarah joined Short Term Finance in 2009 working as an accountant. She was soon promoted to Finance Manager, before becoming Finance Director in 2014. Starting her career as a trainee accountant, Sarah has risen through the ranks with roles such as Auditor, Accountant, Company Secretary and now Finance Director. Sarah enjoys the outdoors and likes to spend time camping with her family and skiing during the winter.

What our customers say about us...

Are you ready to apply now?

Feeling a little worried about your credit history? As a family run business, we understand that a minor lapse on your credit record doesn't necessarily reflect your character, or even give a true representation of your financial situation. While some lenders have very strict lending policies, we do our best to give you a chance to take out a loan and build up your credit record with a small loan paid back every week. Even if you aren’t working at the moment, we may be able to help. Find out more here.

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