Short Term Loans

Apply for a loan online 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 68.7% (variable)

Representative example: £600 borrowed for 4 months. Total amount repayable is £1004.22 in 3 monthly instalments of £251.06, and 1 instalment of £251.04. Interest charged is £404.22, interest rate 292.0% p.a. (variable).

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

Have a cash emergency?

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 Monevo will search their 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.

Short term loans

Short term loans are an accessible and convenient form of credit. You can borrow between £100 and £2,000 for up to 6 months if you meet the lending requirements; even if you have a poor credit rating.  At our website operates 24 hours a day, 7 days a week, where you can apply for a loan online and get an instant decision. Short term credit can be really useful should you need to borrow money during a financial emergency but should not be used as a long-term solution. 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. This can help 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 short term loan loan is very easy, because you can just fill in a very small form online, which should only take a minute. Getting a decision on your loan application is almost instant most of the time. You can apply for a loan at any time, because most of the time applications are 100% online and require no faxes or phone calls. If your loan application is successful you could have the money 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 recommend that you use short term credit for financial emergencies, and strongly advocate responsible borrowing; if you can’t afford to repay it comfortably please don’t apply for a loan. It is important that you can afford to pay it back on time. If you don’t make your repayments on time extra costs can be incurred.

Larger personal loans

If you want to borrow £500 or more you can 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. Instalment loans often have a lower interest rate, can be borrowed for longer, and are repayable in more instalments. Visit our personal instalment loans page for more information.

Applying for a loan with a poor credit history

You can apply for a loan even if you have a poor credit history. It is important that you can comfortably meet the deadline on repayments, otherwise you could incur additional costs. If you cannot 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 loan repayment period.

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.