The Borrowers: How Loan Deals Took Over the January Transfer Window

 Clockwise from left: Daniel Sturridge; Ethan Ampadu; Jermain Defoe; Aleksandar Mitrovic; and Nathaniel Clyne. Photograph: Action Images/Reuters, AFP/Getty Images and Rex/Shutterstock
Clockwise from left: Daniel Sturridge; Ethan Ampadu; Jermain Defoe; Aleksandar Mitrovic; and Nathaniel Clyne. Photograph: Action Images/Reuters, AFP/Getty Images and Rex/Shutterstock
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The Borrowers: How Loan Deals Took Over the January Transfer Window

 Clockwise from left: Daniel Sturridge; Ethan Ampadu; Jermain Defoe; Aleksandar Mitrovic; and Nathaniel Clyne. Photograph: Action Images/Reuters, AFP/Getty Images and Rex/Shutterstock
Clockwise from left: Daniel Sturridge; Ethan Ampadu; Jermain Defoe; Aleksandar Mitrovic; and Nathaniel Clyne. Photograph: Action Images/Reuters, AFP/Getty Images and Rex/Shutterstock

It is a time of year to beg, borrow and steal in the football world, especially in England, where the January transfer window is again expected to be dominated by loan deals. Only 37 of the 178 players leaving Premier League clubs last January moved permanently and close to one in every three of the incoming signings in the top flight – a ratio that for the second successive year was twice as high as in the summer – joined on a temporary basis.

Halfway through the season is normally short-term fix territory rather than a buyer’s market, which partly explains the prevalence of loans. Yet arguably the biggest factor is the sheer number of professionals that Premier League clubs have on their books these days and the need to find regular first-team football for as many as possible while recouping a bit of money at the same time.

Some players will be high-profile and out of favour – see Jermain Defoe, who has just joined Rangers on loan from Bournemouth; Liverpool’s Nathaniel Clyne, who has signed for Eddie Howe’s side until the end of the season; and Chelsea’s Gary Cahill. The majority, though, will be younger players who are some way off the first team and are, in the eyes of senior figures at their clubs, neither developing in a competitive environment by playing under-23 football nor increasing their value. Playing in the EFL ticks both boxes, potentially.

A spotlight shines on Chelsea for good reason when it comes to this sort of story, but a trawl through last January’s loan deals reveals that Brighton, Newcastle and Watford sanctioned more departures – double figures in each case – than anyone else. Chelsea, of course, already had plenty of players farmed out from the summer but the bottom line is that more and more top-flight clubs are adopting a proactive approach when it comes to the loan market.

Yet despite loans being so commonplace now, the framework of the deal remains loose, right down to fundamental details such as exactly what “until the end of the season” means. That aspect of a loan – the finishing point – is an area of negotiation with almost every deal given that player contracts run until 30 June and the last game of the season is usually at least six weeks earlier. At the top end that could equate to another £500,000, which is a lot of money to pay somebody else’s employee to sit on the beach.

It may be surprising to learn that some players not only get their wages covered in full by the club they are joining but also receive a substantial sum on top. In fact, the complaints of one Premier League player about all the time he had spent on loan earlier in his career raised a few eyebrows within his former club, given that at one stage he was happily picking up an additional five-figure sum every week, on top of his basic wage, for playing in the Championship.

With more sought-after players the parent club will always expect wages to be paid in their entirety. In some cases there will also be a one-off loan fee – incredibly, an eight-figure sum was quoted for one out-of-favour former England international in the summer – as well as add-ons in the event of a player helping a club avoid relegation or win promotion.

That extra outlay is a price worth paying if everything comes off – Aleksandar Mitrovic’s impact at Fulham last season is a case in point. The key word in that sentence, however, is “if”. This time last year West Brom took Daniel Sturridge on loan in the hope that he would score the goals to keep them up but because of injury they got only 116 minutes of football out of the Liverpool striker in exchange for £3.8m. On that same theme Crystal Palace had some fitness concerns in relation to Dominic Solanke and pulled out of signing the forward this week because Liverpool were against the idea of linking part of the loan fee to appearances.

While a team’s playing style and the manager’s reputation are important considerations when loaning out younger players, contacts make a big difference too. Frank Lampard, Derby’s manager, has two Chelsea loanees and would take a third – four from one club is the maximum in the EFL – if Maurizio Sarri agreed to allow Ethan Ampadu out. That is understood to be unlikely as things stand.

Loan rules differ in the Premier League, where only one player from the same club is permitted at a time. Clubs are also allowed a maximum of only two domestic loans at a time. Yet there is no limit on international loans, which means a struggling Premier League club can transform its starting XI in January without making a permanent signing. Two years ago Hull brought five players in on loan and almost survived.

Business has already been brisk this time around and, as the days tick by, it will be interesting to see what becomes of players such as Everton’s Morgan Schneiderlin, Vincent Janssen at Spurs, Leicester’s Adrien Silva, Divock Origi at Liverpool and Chelsea’s Danny Drinkwater, all of whom cost a fair few quid and could do with a new home – temporary or otherwise – to revive their careers.

The Guardian Sport



My Grandfather Encouraged Me to Play for Algeria, Luca Zidane Says

 Algeria's goalkeeper #23 Luca Zidane reacts during the Africa Cup of Nations (CAN) Group E football match between Algeria and Sudan at Moulay Hassan Stadium in Rabat on December 24, 2025. (AFP)
Algeria's goalkeeper #23 Luca Zidane reacts during the Africa Cup of Nations (CAN) Group E football match between Algeria and Sudan at Moulay Hassan Stadium in Rabat on December 24, 2025. (AFP)
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My Grandfather Encouraged Me to Play for Algeria, Luca Zidane Says

 Algeria's goalkeeper #23 Luca Zidane reacts during the Africa Cup of Nations (CAN) Group E football match between Algeria and Sudan at Moulay Hassan Stadium in Rabat on December 24, 2025. (AFP)
Algeria's goalkeeper #23 Luca Zidane reacts during the Africa Cup of Nations (CAN) Group E football match between Algeria and Sudan at Moulay Hassan Stadium in Rabat on December 24, 2025. (AFP)

Luca Zidane, son of French World Cup-winner Zinedine, said his grandfather had supported him in switching international allegiance to Algeria, after playing for France at junior level.

Zinedine Zidane is widely regarded as one of the greatest French footballers, inspiring his country to their first World Cup victory in 1998 and scoring two goals in the 3-0 win over Brazil in the final in Paris. The midfielder also guided them to the Euro 2000 trophy, achieving an unprecedented double for Les Bleus.

The decision to switch nationalities by Luca, who chose to avoid comparisons with ‌his father from ‌an early age by opting to play as ‌a ⁠goalkeeper, came as ‌a surprise, especially since he made it at the age of 27.

He quickly became Algeria's first-choice keeper, and his father watched him play against Sudan in Vladimir Petković's side's opening Africa Cup of Nations Group E match on Wednesday, which they won 3-0.

Zidane was not tested much during the match, but he did make an important save from a dangerous chance that fell to Yaser Awad with the score at ⁠1-0.

"When I think of Algeria, I remember my grandfather. Since childhood, we’ve had this Algerian culture in the ‌family," Zidane told BeIN Sports France.

"I spoke to ‍him before playing for the national ‍team, and he was extremely happy about this step. Every time I receive ‍an international call-up, he calls me and says that I made a great decision and that he is proud of me."

He said his father had also backed his decision. "He supported me," Luca said. "He said to me ‘Be careful, this is your choice. I can give you advice, but in the end, the final decision will be yours'.

"From the moment the coach and the federation ⁠president reached out to me, it was clear that I wanted to go and represent my country. After that, I naturally spoke with my family, and they were all happy for me."

Zinedine Zidane, who was sent off in the 2006 World Cup final in Germany which they lost to Italy on penalties, won the Champions League in 2002 with Real Madrid and claimed the Ballon d'Or award in 1998.

His son, who plays in Spain for Granada after starting his career at Real Madrid, has always worn a shirt bearing the name Luca, but he decided his national team jersey would carry the name Zidane.

"So for me, being able to honor ‌my grandfather by joining the national team is very important," he said. "The next jersey with the name on it will be for him."


Villa Face Chelsea Test as Premier League Title Race Heats Up

Football - Premier League - Aston Villa v Manchester United - Villa Park, Birmingham, Britain - December 21, 2025 Aston Villa's Morgan Rogers celebrates scoring their second goal =. (Action Images via Reuters/Paul Childs)
Football - Premier League - Aston Villa v Manchester United - Villa Park, Birmingham, Britain - December 21, 2025 Aston Villa's Morgan Rogers celebrates scoring their second goal =. (Action Images via Reuters/Paul Childs)
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Villa Face Chelsea Test as Premier League Title Race Heats Up

Football - Premier League - Aston Villa v Manchester United - Villa Park, Birmingham, Britain - December 21, 2025 Aston Villa's Morgan Rogers celebrates scoring their second goal =. (Action Images via Reuters/Paul Childs)
Football - Premier League - Aston Villa v Manchester United - Villa Park, Birmingham, Britain - December 21, 2025 Aston Villa's Morgan Rogers celebrates scoring their second goal =. (Action Images via Reuters/Paul Childs)

Aston Villa face a tough challenge at Chelsea on Saturday after muscling their way into the Premier League title race alongside Arsenal and Manchester City.

The Gunners, top of the tree at Christmas, host Brighton, while Pep Guardiola's in-form City travel to Nottingham Forest.

Liverpool manager Arne Slot is grappling with a striker crisis after Alexander Isak fractured his leg, while Manchester United captain Bruno Fernandes also faces a spell on the sidelines.

AFP Sport looks at three talking points ahead of the festive action:

Rogers spearheads Villa charge

Unai Emery's third-placed Villa are still considered rank outsiders for the Premier League title even though they are just three points behind leaders Arsenal.

Villa's 2-1 home win against Manchester United was their 10th consecutive victory in all competitions -- the first time they have achieved the feat as a top-flight team since 1914.

One of the major reasons for their recent success is the form of England midfielder Morgan Rogers, who failed to register a single goal involvement in his first seven matches in all competitions.

Now it is a different story: he has recorded 11 goal involvements in his past 15 appearances and the quality of his goals has been striking.

Rogers' seven Premier League goals this season have come from just 2.86 expected goals -- a metric used to determine how likely a player is to convert a chance.

But football analysts Opta give Villa just a five percent chance of becoming English champions for the first time since 1981.

Emery's men have an opportunity to silence the doubters when they take on fourth-placed Chelsea, with a match at Arsenal to follow just days later.

Slot's goals headache

In the early weeks of the season, Arne Slot would probably have envisaged Mohamed Salah and Alexander Isak as two of his first-choice attackers.

Now the Liverpool boss has neither -- Salah is with Egypt at the Africa Cup of Nations, while Isak faces at least two months on the sidelines after fracturing his leg against Tottenham.

Slot has steadied the ship at Anfield after a shocking run of six defeats in seven Premier League matches that left Liverpool's title defense in tatters.

A run of three wins and two draws in five league games has lifted the reigning champions into fifth spot, but there will be concerns over where the goals are going to come from ahead of the visit of bottom club Wolves.

Isak's absence will heap more pressure on the shoulders of top-scorer Hugo Ekitike.

The summer signing has netted eight times in the Premier League -- twice the tallies of Salah and Cody Gakpo.

Fernandes blow for Man Utd

Bruno Fernandes has been a shining light and virtually ever-present during Manchester United's recent lean years.

But manager Ruben Amorim is going to have to plan for a period without his talisman after the Portugal midfielder pulled up with an apparent hamstring injury in United's 2-1 defeat at Villa Park.

While the prognosis is unclear, Amorim has already ruled Fernandes out of United's clash against Newcastle at Old Trafford on Friday, among a list of absentees, with the Portuguese boss urging the rest of his squad to "step up" in the absence of his "impossible to replace" captain.

"It's massive," defender Diogo Dalot told Sky Sports. "We don't know how bad it is but for him to come off (in) the game, we know how tough he is."

Playmaker Fernandes has five goals and seven assists in the Premier League this season for inconsistent United, who are also without top-scorer Bryan Mbeumo, on Africa Cup of Nations duty with Cameroon.


Romero Faces FA Charge for Behavior After Liverpool Dismissal

Tottenham Hotspur's Argentinian defender #17 Cristian Romero (C) and Spanish defender #23 Pedro Porro (R) remonstrate with referee John Brooks (L) during the English Premier League football match between Tottenham Hotspur and Liverpool at the Tottenham Hotspur Stadium in London, on December 20, 2025. (AFP)
Tottenham Hotspur's Argentinian defender #17 Cristian Romero (C) and Spanish defender #23 Pedro Porro (R) remonstrate with referee John Brooks (L) during the English Premier League football match between Tottenham Hotspur and Liverpool at the Tottenham Hotspur Stadium in London, on December 20, 2025. (AFP)
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Romero Faces FA Charge for Behavior After Liverpool Dismissal

Tottenham Hotspur's Argentinian defender #17 Cristian Romero (C) and Spanish defender #23 Pedro Porro (R) remonstrate with referee John Brooks (L) during the English Premier League football match between Tottenham Hotspur and Liverpool at the Tottenham Hotspur Stadium in London, on December 20, 2025. (AFP)
Tottenham Hotspur's Argentinian defender #17 Cristian Romero (C) and Spanish defender #23 Pedro Porro (R) remonstrate with referee John Brooks (L) during the English Premier League football match between Tottenham Hotspur and Liverpool at the Tottenham Hotspur Stadium in London, on December 20, 2025. (AFP)

Tottenham captain Cristian Romero was charged by England's Football Association with allegedly acting in an "improper" manner in response to being sent off during Saturday's 2-1 Premier League defeat against Liverpool.

With Xavi Simons already being given a red ‌card earlier, ‌Tottenham ended up ‌with ⁠nine men ‌after captain Romero was given a second yellow for a tackle on Ibrahima Konate in the 93rd minute.

"It's alleged that he (Romero) acted in ⁠an improper manner by failing to ‌promptly leave the ‍field of ‍play and/or behaving in a ‍confrontational and/or aggressive manner towards the match referee after being sent off in the 93rd minute," the FA said in a statement.

Romero has until ⁠January 2 to respond to the charge.

The dismissal meant he already has to serve a one-match ban and will miss Sunday's away trip to Crystal Palace.

Tottenham are 14th in the league table with 22 points, 17 ‌behind leaders and derby rivals Arsenal.