Compare Short Term Loans

Compare the best short term loans from top UK short loans companies at a glance & find a cheap short term loan that you can get quickly & repay without being penalised. Our short term loan comparison also includes top short term loans for bad credit so even if you have bad credit you can find cheap short term payday loans in an instant.
Important information about payday loans
Your loan may be automatically extended if you donít repay it in full, this may impact your credit score and cost you extra in fees and interest. Failure to pay could mean you face collection action. If you already have a payday loan don't take out another as cheaper options are available; our guides explain.
Payday loans are expensive and should only be used for short term borrowing. Make sure you understand the costs before you apply.
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.
Debt problems? Get free confidential advice from StepChange Debt Charity on 0800 138 1111.
QuickQuid Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
1,999%£100 to £1,0003 months£129.50 over 31 days
Use code MONEY30 to save 30% on your initial interest rate.
Representative Example: The Representative APR is 1,999% so if you borrow £200 over 31 days at a rate of 347% p.a. (fixed) you will repay £159.
 
sunny.co.uk Flexible Credit
Representative APRLoan AmountMaximum TermRepayment for £100
1,971%£100 to £1,0005 months£127.06 over 28 days
Representative example: The Representative APR is 1,971% so if you borrow £350 over 12 months at a rate of 345% p.a. (variable) you will repay 12 monthly payments of £105.65 and £1267.80 in total. So if you borrow £100 over 28 days you will repay £127.06 in total.
 
Wonga Short Term Cash Loan
Representative APRLoan AmountMaximum TermRepayment for £100
5,853%£1 to £40030 days£135.04 over 28 days
If you want this loan you'll need to pay a £5.50 faster payment fee.
Representative Example: The Representative APR is 5,853% so if you borrow £150 over 18 days at a rate of 365% p.a. (fixed) you will repay £183.49. Includes £5.50 transmission fee.
 
Pounds to Pocket Short Term Loan
Representative APRLoan AmountMaximum TermRepayment for £100
399%£200 to £2,0006 months-
Representative Example: The Representative APR is 399% so if you borrow £550 over 12 months at a rate of 172% p.a. (fixed) you will repay £98.54 per month and £1182.50 in total.
 
Cashub.co.uk Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
1,734%£80 to £50030 days£125 over 28 days
This is a payday loan broker, they will search other payday loan companies to find you a loan.
If you want the money the same day you may need to pay a faster payment fee.
Representative Example: The Representative APR is 1,734% (variable) so if you borrow £200 over 28 days at a rate of 326% p.a.(fixed) you will repay a total of £250.
 
QuickQuid FlexCredit
Representative APRLoan AmountMaximum TermRepayment for £100
1,362%£100 to £1,00010 months£123.49 over 30 days
Use code MONEY30 to save 30% off initial loan fees.
Representative Example: The Representative APR is 1,362% so if you borrow £1,200 over 10 months at a rate of 300% p.a. (fixed) you will repay £2,831.34.
 
Purple Payday Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
2,758.17%£50 to £1,00045 days£125 over 31 days
This is a payday loan broker, they will search other payday loan companies to find you a loan.
If you want the money the same day you may need to pay a faster payment fee.
Representative Example: The Representative APR is 2,758.17% so if you borrow £173.60 over 30 days at a rate of 434.9% (fixed) you will repay £226.68 in total.
 
Cash Lady Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
2,670%£80 to £3006 months£129 over 28 days
This is a payday loan broker, they will search other payday loan companies to find you a loan.
If you want the money the same day you may need to pay a faster payment fee.
Representative Example: The representative APR is 2,670% so if you borrow £80 for 28 days at a rate of 378% p.a. (fixed) you will repay £103.20 in total.
 
Payday TopUp Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
2,758.17%£50 to £1,00050 days£125 over 30 days
This is a payday loan broker, they will search other payday loan companies to find you a loan.
If you want the money the same day you may need to pay a faster payment fee.
Representative Example: The Representative APR is 2,758.17% so if you borrow £173.60 over 30 days at a rate of 434.9% p.a. (fixed) you will repay £226.68 in total.
 
Paydaylady.co.uk Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
1,734%£50 to £50030 days£125 over 28 days
This is a payday loan broker, they will search other payday loan companies to find you a loan.
If you want the money the same day you may need to pay a faster payment fee.
Representative Example: The Representative APR is 1,734% so if you borrow £200 over 28 days at a rate of 326% p.a.(fixed) you will repay a total of £250.
 
PaydayUK Loan
Representative APRLoan AmountMaximum TermRepayment for £100
3,361%£100 to £1,00037 days£129.95 over 30 days
Receive £5 cashback for every £100 borrowed when you pay it back in full and on time.
Representative Example: The Representative APR is 3,361% so if you borrow £275 over 28 days at a rate of 359.40% (fixed) you will repay £357.36.
 
UK Payday Today Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
2,327.87%£100 to £1,00028 days£129.95 over 28 days
This is a payday loan broker, they will search other payday loan companies to find you a loan.
If you want the money the same day you may need to pay a faster payment fee.
Representative Example: The Representative APR is 2,327.87% so if you borrow £275 over 28 days at a rate of 359.4% p.a. (fixed) you will repay a total of £357.36.
 
CashCowNow Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
1,737%£100 to £1,00031 days£125 over 31 days
This is a payday loan broker, they will search other payday loan companies to find you a loan.
If you want the money the same day you may need to pay a faster payment fee.
Representative Example: The Representative APR is 1,737% so if you borrow £100 over 31 days at a rate of 296% p.a. (variable) you will repay £125.
 
Payday Pig Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
1,737%£100 to £1,00031 days£125 over 31 days
This is a payday loan broker, they will search other payday loan companies to find you a loan.
If you want the money the same day you may need to pay a faster payment fee.
Representative Example: The Representative APR is 1737% so if you borrow £100 over 31 days at a rate of 296% p.a. (variable) you will repay £125 in total.
 
Wizzcash Short Term Loan
Representative APRLoan AmountMaximum TermRepayment for £100
993%£200 to £3003 months-
Representative Example: The Representative APR is 993% so if you borrow £200 over 90 days at a rate of 264% p.a. (fixed) you will repay £97.06 per month and £291.18 in total.
 
Tide u Over Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
1,734%£100 to £40039 days£135 over 30 days
This provider is not signed up to the Good Practice Charter which encourages responsible lending from payday lenders and brokers.
Representative Example: The Representative APR is 1,734% so if you borrow £200 over 28 days at a rate of 326% p.a. (fixed) you will repay £261 in total.
 
100DayLoans UK Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
2,327.87%£50 to £1,000100 days£129.50 over 30 days
This is a payday loan broker, they will search other payday loan companies to find you a loan.
If you want the money the same day you may need to pay a faster payment fee.
Representative Example: The Representative APR is 2,327.87% so if you borrow £275 over 28 days at a rate of 359.40% p.a (fixed) you will repay £357.36 in total.
 
TideMeOver Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
1,734%£80 to £50030 days£125 over 28 days
This is a payday loan broker, they will search other payday loan companies to find you a loan.
If you want the money the same day you may need to pay a faster payment fee.
Representative Example: The Representative APR is 1,734% (variable) so if you borrow £200 over 28 days at a rate of 326% p.a. (variable) you will repay a total of £250.
 
PiggyBank Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
1,355%£50 to £50042 days£130.10 over 28 days
If you want this loan you'll need to pay a total of £6.95 in fees.
Representative Example: The Representative APR is 1355% so if you borrow £250 for 30 days at a rate of 300% p.a (fixed)you will repay a total of £319.45.
 
KwikPayday Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
2,670%£80 to £75028 days£129 over 28 days
This is a payday loan broker, they will search other payday loan companies to find you a loan.
If you want the money the same day you may need to pay a faster payment fee.
Representative Example :The Representative APR is 2,670% so if you borrow £200 over 28 days at a rate of 378% p.a. (fixed) you will repay £258 in total.
 

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How to Find Cheap Short Term Loans Online

We help you compare short term loan lenders so you can find the best lender and lowest rate loan for your circumstances - whatever they are.

Raining Money

When it comes to short term loans UK residents are spoilt for choice by the number of lenders around.

Short term loans can last for any length of time - from one month to a year - not just spread over the one or two month period typical of payday loans.

This means you should be able to find a loan term that suits your timeframe.

However, this doesn't mean that short term cash loans are always the best option for you. Even short term loans that aren't in the 'payday' bracket can be an expensive way to borrow if you're not careful.

If you decide to take out a short term loan, keep a clear idea in mind of what you need it for, the minimum amount you'd need, and your minimum timeframe:

How to find the best instant short term loans

Many people take out short term loans to cover a one-off bill or unforeseen expense. If that's the case for you, only look at loans for that amount and don't be tempted to go higher.

Then, compare the minimum and maximum limits for each provider and exclude those that don't fit.

You should also check the representative APR declared by each company. Remember that this is an indication of the amount you'd pay if you borrowed a certain amount; it's not the rate you're guaranteed to get.

Many lenders use 'risk based pricing' which means the rate you'll pay will ultimately depend on your credit history.

If you have a poor credit history, bear in mind you may be offered a higher APR to reflect that risk.

Many providers will still advance you a short term loan, but you may be more likely to be accepted if you search for companies that declare short term loans for bad credit.

Next, consider how long you need the loan for.  Remember: the longer your loan, the more you're likely to pay in interest so take the shortest term possible in which you'll realistically be able to repay your borrowing.

Most lenders require you to have a bank account so that for short term loans easy repayment is possible by direct debit - this means you effectively make repayments automatically each month, all you need to do is make sure you have the funds available to cover it.

If you need the loan immediately, look for short term loans paid into your bank today to make sure you'll get it quickly enough - do bear in mind that this option isn't available with all lenders and on all loans. It's possible you may also have to pay an extra fee for a same day loan.

Terms and conditions

Always check each loan's conditions and make sure you're happy with them as well as how your loan can be managed before you apply. For instance, whether early repayment is possible and if there is a charge for this.

Many lenders also require you to have a fixed income, and while short term loans for people on benefits are available from some, there are likely to be conditions attached and/or state you need to be a homeowner.

Some lenders do offer short term loans for students but if you're considering taking one out you should consider how you will repay, if you really need the money and whether there's a cheaper form of borrowing available to you.

Once you've prioritised what features you need for your loan, compare your options on our short term loans comparison table to find the cheapest lender that can give you the loan and the service that you require.

Payday Loan Comparison

Alternative Payday Loans

You may want to compare the above payday loans with the following.

Payday Express Express Loan

  • Customers can get 2,885% representative APR.
  • Get 37 days maximum loan term.
  • This payday loan offers a minimum loan of £100.
  • CFA trade association affiliation.
  • Customers get 8 days minimum loan term from the Express Loan.
  • Representative Example: The Representative APR is 2,885% so if you borrow £200 over 28 days at a rate of 378% p.a. (variable) you will repay £258 in total.

QuickQuid Payday Loan (3 Pay Period)

  • 1,999 percent representative APR is available with Payday Loan (3 Pay Period).
  • Maximum loan term of 3 months is available.
  • Minimum loan period of 1 day.
  • QuickQuid offers minimum loan of £100.
  • Representative Example: The Representative APR is 1,999% so if you borrow £100 over 90 days at a rate of 347% p.a. (fixed) you will repay £188.50.

QuickQuid Payday Loan (1 Pay Period)

  • 1,999 percent representative APR is offered with Payday Loan (1 Pay Period).
  • £100 minimum loan is offered.
  • CFA trade association affiliation.
  • QuickQuid gives minimum loan term of 1 day.
  • £1,000 max loan.
  • Representative Example: The Representative APR is 1,999% so if you borrow £100 over 31 days at a rate of 347% p.a. (fixed) you will repay £129.50.

Uncle Buck Payday Loan

  • This Uncle Buck payday loan has a BCCA trade association affiliation.
  • Uncle Buck offers representative APR of 4,248.9%.
  • Customers get £75 minimum loan from the Payday Loan.
  • Minimum loan duration of 1 day is available with the payday loan.
  • Representative Example: The Representative APR is 4,248.9% so if you borrow £200 over 29 days at a rate of 439.89% p.a. (fixed) you will repay £269.90 in total.

WageDayAdvance.co.uk WageDayAdvance Loan

  • BCCA trade association affiliation.
  • WageDayAdvance.co.uk offers minimum loan of £80.
  • WageDayAdvance.co.uk gives representative APR of 7,069.3%.
  • 11 days minimum loan duration is available.
  • Representative Example: The Representative APR is 7,069.3% so if you borrow £225 over 28 days at a rate of 384.5% p.a. (fixed) you will repay £306.38 in total.

UK Payday Today Payday Loan

  • Get 1 day minimum loan length from UK Payday Today.
  • Customers get £1,000 max loan.
  • 2,327.87 percent representative APR is available with this payday loan.
  • CCTA trade association affiliation is offered with this payday loan.
  • £100 minimum loan is available.
  • Representative Example: The Representative APR is 2,327.87% so if you borrow £275 over 28 days at a rate of 359.4% p.a. (fixed) you will repay a total of £357.36.

CashCowNow Payday Loan

  • Payday Loan gives a representative APR of 1,737 percent.
  • The payday loan gives a minimum loan period of 1 day.
  • A maximum loan of £1,000 is offered by CashCowNow.
  • New customers will get CCTA trade association affiliation.
  • The payday loan gives a £100 minimum loan.
  • Representative Example: The Representative APR is 1,737% so if you borrow £100 over 31 days at a rate of 296% p.a. (variable) you will repay £125.

Kwik Cash Short Term Loan

  • Customers can get 6 months maximum loan term.
  • 2,670% representative APR is offered.
  • Get minimum loan of £80.
  • Customers get 1 day minimum loan duration from the payday loan.
  • BCCA & CCTA trade association affiliation is available with Short Term Loan.
  • Representative Example: The Representative APR is 2,670% so if you borrow £100 over 28 days at a rate of 378% p.a (fixed) you will repay £129 in total.