Welcome to Pacific Odyssey Loans

We are direct lenders, lending our own money! We offer loans over 3, 5 or 6 months

We charge daily interest and nothing else,†

no transfer fees &

†no application fees


When considering short term loans we understand you must be able to make an informed decision based on real facts and figures. These loans are now available from lots of different lenders and therefore we think it is important you can see all the important information in one place.†

Short term loans can be a great resource when you find yourself in a position where a little extra money is needed to see you through the month. Whether this is because an unexpected bill has come up or the car needs a repair, we understand these things may signal a need to borrow a little extra cash.†


We also understand that short term loans need to be flexible and able to work with your existing monthly bills and expenses and not against them. With this in mind we have designed a product based on flexibility and affordability. Remember, you should never borrow extra money when it is not affordable to do so. In order to decide if we are right for you we invite you to review the key feature of what we do below, then you can make an informed decision.

FLEXIBLE LENDING RESOURCE – We understand when you apply for short term loans you need a product based on choice and that’s exactly what our experienced lending team have to offer here.

FEE FREE APPLYING PROCESS – That’s right, unlike a mass of other lenders offering short term loans, we do not charge you a fee for applying for one of our loans. This means you can complete an application with peace of mind that you won’t be charged. This is still the case whether your application is successful or not, meaning we have a fee free application process. This really sets us apart from other lenders on the market.


SIMPLE TO APPLY – Thanks to the knowledge and experience our team have gathered we know how important it is that the application process of short term loans is simple and effective. That’s why you will find that to complete the entire application will not take you any longer than about 10 – 15 minutes. Once you have submitted the application to our lending team they will get to work completing their checks and the great news is that unlike some lenders, we promise to keep you up to date at every step of the way.


Representative Example: Representative 1286.98% APR on a loan of £300.00 with 5 monthly repayments of £101.03. Total amount repayable £505.13.†Annual interest rate (fixed) 290%

Authorised and regulated by the Financial Conduct Authority

Fidelity Works Ltd is listed on the Financial Services Register under Interim Permissions Referance Number 655974

Fidelity Works Ltd is a company registered in England and Wales with company number 08282024 whose registered address is Salisbury House,†Station Road, Cambridge, CB1 2LA

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk