How much cash do you want?

Quick loan, 100% safe, no obligation

Rates from 43.1% APR to 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £1,200 borrowed for up to 75 days. Total amount repayable is: £1506. Interest charged is 0.34% per day, amounting to £306, annual interest rate of 124% (variable). Representative APR: 49.7% (variable).

Are you facing a sudden financial emergency and need cash right away? Do you have poor credit and trouble getting approved for a traditional loan? Or is your payday still a few days away, and you need cash to tide you over until then? If any of these scenarios sound familiar, then a short-term loan could be the right solution for you.

A short-term loan is an unsecured loan that can help you cover unexpected expenses or bridge the gap between paydays. They are typically paid back within a few weeks or months and come with higher interest rates than traditional loans.

At Payday Loans UK, we offer short-term loans of up to £5000. We understand that financial emergencies can happen anytime, so we offer a quick and easy online application process. We also understand that not everyone has perfect credit, which is why we offer bad credit loans without a guarantor.

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How To Apply For Short-Term Loans?

With a fast and simple online application, you can apply for a short-term loan and get the money you need to cover unexpected expenses. Here's how it works:

  1. Submit Your Online Application: To begin the process to borrow money, simply fill out our online form. We'll ask for basic information about you, your financial situation, and employment details. It only takes a few minutes to complete if you're a UK resident, and you'll get an instant decision.
  2. Review Your Lender's Offer: If approved, you'll be presented with a list of lenders willing to work with you. Each lender will have different terms and conditions, so you must review their offers carefully before choosing one. Make sure to compare APRs, repayment terms, and any other important factors.
  3. Get Your Cash: Once you've chosen a lender, you can get your cash within 5 minutes. The money will be deposited directly into your UK bank account, and you can use it for whatever you need.

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Can You Get Loan With Poor Credit History?

Poor credit score is one of the main reasons why people have declined flexible short-term loans. If you have a poor credit reference agency score, it may seem like getting a loan is impossible. However, some lenders are willing to work with you, and we'll run a credit and affordability check to make sure you can afford the repayments before approving your loan.

We understand that bad things happen to good people, and we'll work with you to get the money you need. The loan provider or direct lender will only run soft credit searches with your permission, which means they won't affect your credit score.

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Short-Term Loans FAQs

1. How Much Can I Borrow?

The amount you can borrow depends on several factors, including your income, employment status, and credit history. However, the maximum amount you can borrow is £5000. The minimum amount you can borrow is £500, and there are no hidden fees.

2. How Long Can I Borrow For?

You can borrow for a minimum period of 1 month and a maximum period of 12 months. The interest rate on a short-term loan is typically higher than the interest rate on a long-term loan. The exact interest rate depends on the lender and the amount you borrow. The late repayment fees are also higher for a short-term loan.

3. Can I Repay Early?

Yes, you can repay your loan early without any penalties. We encourage you to repay your loan as soon as possible to less pay interest. A short-term loan suitable for those who need quick access to cash. There is a short repayment period for less loan amount.


Other articles: is not a lender and does not make credit decisions. matches customer loan applications with lenders in a network based on the information you provide, in exchange for a commission paid by the lender for advertising services provided. We do not guarantee that you will be accepted by any lender or that you will be offered terms suitable for your financial requirements. Not all lenders will be able to provide amounts up to £5000. This website does not directly endorse any individual product or service. Any information on this website is opinion only. As a condition of extending credit, some lenders may make a credit check from a credit reference agency. Late repayment or missed payments may be subject to increased fees and/or interest rates.
*Once approved, your cash could be sent within 5 minutes. The time that it takes for the cash to be received in your account will depend on your bank’s processes and procedures.
Warning: Late repayment can cause you serious money problems. For help, go to You can also get free debt advice by phone or chat at