Short Term Loans

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How much would you like to borrow:


How long do you need the money for?

1 day
35 days
Your repayment date is:
Total amount to be repaid:
£ 363.97
Annual percentage rate:
2573 % APR

Representative Example: £175 loan for 19 days at a fixed interest rate of 290% pa. Total amount payable is £201.42 in one single repayment. This is based on the amount of credit plus interest, no other fees apply. Representative 1390% APR

Representative Example: £250 loan for 3 months at a fixed interest rate of 290% pa. Total amount payable is £359.01 in three monthly instalments of £119.67. This is based on the amount of credit plus interest, no other fees apply. Representative 1271% APR

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Are you looking for a solution to an unexpected financial problem? At we offer short term loans online 24 hours a day, 7 days a week. So whenever you need us, we’ll be here to help you.

What is a short term loan?

A short term loan is a small cash advance that allows you to borrow up to £750 if you are a returning customer and up to £300 if this is the first time that you are applying for a loan. It can be repaid on your payday or spread across 3 equal monthly repayments if that better suits your budget and your personal circumstances. Our instalment option allows you to repay your short term loan without putting too much pressure on your budget and can be a good option if you need cash for a slightly longer period of time.

Short term loans

Our short term cash loans let you borrow the exact amount that you need down to the £, subject to your credit limit. Customers looking for a small loan usually find our new customer limit of £300 sufficient but returning customers also benefit from the advantage of an increased credit limit. If you use our short term loans responsibly your credit limit can grow up to £750 for our Multi Month loans and up to £400 for our payday loans, giving you that extra flexibility to access a bigger cash loan when you need help with managing your finances.

We operate an online service that is open 24/7 and can be accessed at a time that is most convenient for you. All applications for our cash loans must be submitted online via our application form. We always do our best to assess all loan applications quickly using our proprietary technology which means that you do not need to post or fax any documents to us. We understand how important it is to have immediate access to loan proceeds and we provide a fast cash transfer of all approved loan applications giving you that extra financial flexibility that you need within minutes of approval.

When might you need to use this type of credit?

Our unsecured short term loans offer you easy access to cash for a short period of time. This extra money can be a good way to smooth out your expenditure and manage unexpected or lumpy expenses which can otherwise cause considerable disruption to your finances.

At the entire borrowing process can be done online. When you take out a loan, you don’t need to spend time going to a bank branch or sending documents.

Where can you get a short term loan?

There are a number of places and sources that offer short term credit and you do not always have to go to a commercial lender if you need help. Sometimes simply asking family or friends to help you out until your next payday is the best option as you can get an interest free loan from a person that you know and trust without entering any formal loan agreements with creditors. At the same time we understand that not everyone may always have access to the Bank of Mum and Dad or that people may simply prefer to keep their finances to themselves and look for extra cash independently.

If you’ve decided that asking family and friends is not an option that you would like to pursue you can always consider a short term loan from a bank. It is however important to check what your bank can offer as some banks do not offer loans for less than £1,000 or loans for less than a year. It therefore may be difficult to find a bank that can help you with a £200 short term loan for 1 or 2 months and you may not always need or want a much longer term commitment for a much bigger sum of money. Access to credit is very important in today’s world but to make the most out of it, it needs to be used responsibly and that means only borrowing when and what you need to avoid paying any unnecessary interest charges.

If a bank loan is too big or the repayment term is too long you can also consider an overdraft. There are two types of overdrafts – arranged and unarranged ones. Unarranged overdrafts can be very expensive. Cost of credit caps that apply to payday loans and other online short term credit products do not currently apply to overdrafts and using an unarranged overdraft to borrow money can end up costing you a lot more than an online loan from a direct lender. You can always contact your bank to ask to arrange an overdraft facility but it is worth noting that this is a process that can take time and, very importantly, you can only ask the bank where you have your bank account so you cannot compare the service and offers of other providers.

If you already have a credit card you may be able to ask your credit card provider for a cash transfer to your bank account but that depends on the terms and conditions of your card and may not be an option that is readily available to all. It is also very important to carefully read your credit agreement as the rates that credit card providers charge for cash transfers can be significantly higher than their standard rate which applies to everyday purchases. Even if you took out a credit card with an introductory interest free period and are still not paying any interest on your purchases you may still be charged interest on any cash transfers straightaway. It then becomes doubly important that you track your account balance and make all your contractual repayments in full and on time as missing any payment can result in losing your 0% interest offer.

Many people do not have a credit card to withdraw cash from in the first place or may not have time to set up an overdraft with their bank and may not always be able to rely on friends and family for some extra funds until payday.

The good news is that there are a number of online lenders who offer an easy online application process and fast access to short term cash.

At we put our customers at the heart of everything we do and always aim to deliver the highest level of customer service together with our market leading product offering that offers you a choice of loans to best suit your needs.

What type of short term loans do we offer?

At you can choose the type of loan which is most convenient for you.

  • payday loan — instant short term credit for a period of 1 to 35 days with a single repayment date;
  • multi month loan — a cash loan that is repaid over three separate instalments, each a month apart.

You should choose the type of loan that is most appropriate to your financial circumstances and the one that best fits your own monthly budget.

How long do we lend for and what is the interest rate?

The maximum period for repayment is over 3 monthly instalments but there is no minimum repayment period. You can settle your loan ahead of your scheduled repayment date(s) at any time that is convenient for you, only paying the interest for the number of days you have the loan.

The maximum Annual Percentage Rate (APR) of our short term loans is 1,722% APR. This is based on the amount of credit plus interest at a fixed rate of 290% pa, no other fees apply.

Why should you apply for your short term loan with

You can be confident that our lending practices comply with strict regulatory standards. Our goal is to help people when they need it, so we strive to offer the most trouble-free, straightforward service to our customers:

We are a direct lender, which means that we make all of our lending decisions ourselves.
Our online short term loans do not have any hidden costs.
As a customer, you can take out a loan at any time, subject to approval – including over bank holidays, weekends and outside of normal working hours on weekdays.
We offer the option of early repayment on all of our short term loans.

One of the most convenient things about is how quickly we can approve your application. If you need money as soon as possible, our same day loans offer you the quick cash that you need.

How do I apply for a short term online loan from

It's simple - please select the first repayment date and the loan amount that you require above and fill in our application form. Once you've done that we will review your application in a matter of minutes and if it meets our lending criteria we will initiate the transfer of your short term online cash loan directly to your nominated bank account straightaway.

To use the service, you must meet a few minimum requirements:

  • you must be 18 years or over
  • you must live in the UK
  • you must be in full or part-time employment
  • you must have a UK bank account with a linked debit card

We value your privacy and we never ask you for more information than we need to make an accurate and responsible lending decision. You can use the special calculator on our website to see the total amount repayable for the short term loan that you need before you even start your application and enter and of your personal details.

Just remember that loans are not suitable for long term borrowing. There is a relatively high cost of borrowing attached to short term credit, compared to traditional and/or longer term loans.

Please do not apply for a short term loan if you know or you suspect that you may not be able to repay it on the agreed repayment date.

How to get further information on the status of your application and find out more about your loan?

You will know the outcome of your application as soon as you complete your application form. We will also send you an email to confirm our decision and you can always log into your account online to view additional information there.

If your application is successful we will initiate the loan transfer straightaway and your funds should be in your account within 15 minutes of approval. If we were unable to approve your application we will explain our reasons for our decision and tell you about the steps that you need to take if you want us to reconsider your application on a different basis. Please note that you may be asked to submit additional information to help us review your application.

We will send you your short term loan agreement to your registered email address which you can refer to during the term of your loan. You can also use the Contact Us form on our website or get in touch with us by email, phone or post if you have any questions about your repayments. We will not send any information to you by post as long as you stick to the terms of your loan agreement and do not miss any payments.

You can log into your account at any time that is convenient for you if you would like to make a full or partial repayment towards your short term loan or if you need to update any of your details, such as your debit card details or your email address. All our loans accrue interest on a daily basis and you can always save by repaying your loan early. You can see your up to date balance and any payments that you have already made when you log into your account online. We accept payments by debit card or bank transfer and if you prefer to make you payment by bank transfer please get in touch with us so we can provide you with our bank account information and the reference number that you should use when making your payment.

If you have an unexpected change in circumstances that may prevent you from making your agreed repayments in full and on time please contact us straightaway. We understand that not everything always goes according to plan and we will always work together with you to help you repay your loan in a way that you can afford. It is important that you contact us as soon as you can so we can try to minimize any missed payment information that we would need to record on your credit file otherwise.

What happens after your short term loan is repaid?

Once your loan is repaid we will send you a confirmation by email to let you know that we have successfully received your payment and to provide you with your summary of borrowing. As we said above, we value your privacy and take care of your data. A record of your application will be kept for regulatory purposes but we will not sell any of your account details to any third parties.

We hope you will find our service helpful and help us grow by telling others about us and, of course, we would be delighted if you would consider us again if you are ever looking for another short term loan in the future!