Borrow £100 to £25,000*

by

  • Bad Credit Accepted
  • Fast Payout
  • No Fees
  • Secure Application

Short Term Loans

£100 – £1,000


N Online decision
N Responsible lenders
N Rates from 278% to 1576% APR*
N 3-12 month repayment

Personal Loans

£1,000 – £25,000


N Whole of Market panel
N Trusted panel of lenders
N Rates from 5.7% to 278% APR*
N 3-36 month repayment

Representative example: £500 borrowed for 5 months. Total amount repayable is £991.85 in 5 monthly instalments of £198.37. Interest charged is £491.85, interest rate 238.1% pa (variable). Representative 481.6% APR.

ccta and fca registered lender

Short Term Bad Credit Loans

Key Features

  • Not everyone wants a large loan over a long period of time.
  • Short term lending is quick and straightforward to apply for.
  • High acceptance rates for bad credit applicants make them popular.

Short term bad credit loans can provide you with access to the money that you need now. If you have a bad credit score, don’t worry, these loans don’t require you to have a good one. These loans are designed to give people with bad credit a chance to get a loan if they desperately need some cash quick. The directly banks won’t issue loans to people with bad credit, so these lenders have been able to build up an industry as a result and throw lifelines to people who really need them the most.


Borrow anything from £100 to £25,000 today.
Quick online application takes minutes.



What Are Short Term Bad Credit Loans?

These types of loans are for people who have bad credit and need money fast online. The repayment terms are very short, however, so they are best suited for people who get paid on a weekly or bi-weekly basis and can afford the repayments. As long as you are working full-time and have enough income to cover the repayments, you should be good to go when applying for short term bad credit loans. They also have a fast approval process too, so you could even find that your application will be approved on the same day or the day after.


How Can I Get One?

Getting short term bad credit loans is an incredibly easy and straightforward process that involves minimum time and hassle. All you have to do is submit your identification, proof of income, ad fill out the rest of the application form, and you could be approved on the very same day that you apply. Most short term bad credit loans are granted within the same day providing you meet the income criteria or can be granted the following day. That’s it. The process is so simple, and there aren’t any questions on the application form that would leave you confused. The application process can take under 15 minutes depending how fast you fill it out and then you just have to sit back and wait. Remember, your credit score isn’t what these lenders are looking at when they assess your application. Banks don’t want to know you if you have a bad credit score because they deem you as high risky. Unfortunately, they deem everyone with bad credit as high risk regardless of how high their income and repayment capabilities may be. It’s an unfair system, but thankfully, short term bad credit loans lenders have sprung into action and are here to help you get those much-needed funds.


How Could I Be Able To Use One?

There are many situations that can arise over the course of our lives that would require us to obtain money within a short amount of time. Unexpected medical incidents, paying off a tax bill, fixing up an overdue invoice, and many other events that could occur can contribute to you needing money now. If you don’t have any savings and also have a bad credit score, then you aren’t left with many options. Thankfully, you could look into short term credit loans and be approved within a very short turnaround. It’s never a good experience to have to come up with money you don’t have on short notice. Having a bad credit score can make this even more harder and the banks won’t help you our no matter how dire your circumstances may be. If it weren’t for bad credit lenders, so many people would have succumbed to their financial hardship and ended up in all sorts of dangerous predicaments. You don’t have to end up like this, and getting a short term bad credit loan could be just what you need to help get you out of a tough financial situation.


Are Short Term Bad Credit Loans Right For Me?

Sometimes, an emergency situation can arise from nowhere and all of a sudden you have to pay for something you can’t afford. Your vehicle or house could need urgent repairs, and you don’t have the savings to cover it. If your child has injured themselves and you need to pay the medical bill at the hospital, what are you going to do if you don’t have the money? A short term bad credit loan could grant you approval on the very same day that you apply and you could be able to pay for your child’s emergency room bill, or that handyman who had to come by and make urgent repairs to your house. The financial situations that short term bad credit loans can solve really are amazing. There’s no way a bank would be able to provide you with money within 24-hours to pay an emergency room bill or to fix up your handyman. If you need money fast to get out of your financial difficulty, then you should look into these loans to get you started.


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More Bad Credit Short Term Loan FAQs


Can I obtain short-term loans with bad credit?

Most certainly! Various lending institutions will take your personal financial circumstances into account when you apply for short-term or payday loans because they understand that individuals with bad credit may also need access to additional cash in case of emergency

Must I have a guarantor?

These days, most instant moneylenders will not require you to have a guarantor when you apply for short-term loans. If a guarantor is required at any time or for a specific reason, the lender will inform you at the time you apply for your loan.

Can I apply with bad credit history?

Absolutely! Many institutions are now willing to provide short-term loans for individuals who have a bad credit record. This means that you can still apply – even if banks or other traditional lending institutions have turned you down because of having poor credit history.

How much can I borrow?

When you complete the online loan application form, you will be asked to provide information about your current income and the expenses you pay each week or month. Once this has been provided, the online application system will help calculate an amount that will not be too much for you to repay. As a result, you must be 100% honest when providing this information.

Will I get my funds immediately?

In most cases, loan applications that have been approved will be processed virtually immediately. This means that you can often have access to much needed cash in as little as 15 minutes after sending off your application.