Cash Emergency?

Apply for a loan 24 hours a day

Apply for a short term loan 24/7

Do you want to borrow between £100 and £2,000* and get an instant decision?

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Representative APR 305.9% (variable)

Representative example: £400 borrowed for 90 days. Total amount repayable is £561.92 in 3 monthly instalments of £187.31.
Interest charged is £161.92, interest rate 161.9% pa (variable).

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

Apply for a short term loan in 3 simple steps

Apply online

Apply online for free 24 hours a day with no faxes or phone calls. When you apply we will search Monevo's panel of trusted lenders to see who can offer you a loan.

Sign your loan agreement

If a lender on the panel can offer you credit just sign the electronic agreement to accept their offer and proceed with your loan.

Get your money

Once you have signed your electronic loan agreement the lender will transfer the money direct to your bank account. (Within the hour if your bank supports faster payments.) Subject to lender's requirements and approval.

Online short term loans 24 hours a day

A short term loan can be useful if you need to borrow money in an emergency. At our website operates 24 hours a day, 7 days a week, where you can apply for a loan and get an instant decision. The free to use credit matching service has no hidden charges and helps to bring many of the UK’s leading short-term lenders under one roof, helping you to improve your chances of getting a loan by filling out just one small online application form.

Apply for a loan today and get an Instant decision

Applying for a loan is very easy. Just fill in a very small form online, which should only take a minute, and getting a decision on your loan application is almost instant most of the time. You can apply for a loan at any time and most of the time applications are 100% online and require no faxes or phone calls.

What is a short term loan?

A short term loan is an accessible and convenient form of credit, where you can borrow between £100 and £2000 for up to 6 months if you meet the lending requirements, even if you have a poor credit rating. Decisions on credit applications are almost instant, and If your loan application is successful you could have the money that you need deposited into your bank account in as little as 15 minutes, and often within an hour if your bank supports faster payments. These loans are sometimes also known as payday loans or cash loans, and are fully regulated by the Financial Conduct Authority.

We all need access to money fast at some point; it could be that you just need to borrow a small amount to get you by for a day or two until payday, or you may need to borrow a larger sum to cover a more significant unexpected expense. It is important to only borrow what you can afford to repay on time. If you don’t make the repayments on time extra costs can be incurred.

Larger personal instalment loans

If you want to borrow £500 or more you can now also apply for a personal instalment loan, with the ability to pay it back in more than one payment over 3, 6, 9, months or even longer. Visit our personal instalment loans page for more information. Instalment loans often have a lower interest rate, can be borrowed for longer, and are repayable in more instalments.

Borrow money online with no awkward questions

People use short-term credit for many reasons. It doesn’t matter why you want to borrow the money. Although it is important that you can afford to pay it back. We do recommend that this form of credit is only used for financial emergencies strongly advocate responsible borrowing; if you can’t afford to repay it comfortably please don’t apply for a loan.

Applying with a poor credit history

You are welcome to apply for a loan even if you have a poor credit history. It is important that you can comfortably meet the deadline on repayments to avoid additional costs. If for some reason, you can’t make the scheduled payment before the repayment deadline please contact the lender as soon as you can. Many of them offer facilities to extend the repayment period. Please don’t get another loan from a different short term lender to make your repayment.

If you are struggling financially for longer periods of time we recommend that you seek independent debt advice. There are several agencies in the UK that offer this service for free. We list some of them on our advice page.