Short Term Loans

  • Loans from £100 – £5,000
  • Free no obligation online quote
  • Money sent the same day
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like to borrow?
How much would you
like to borrow?

Get a short-term loan today with Short Term Loans UK

"Thousands of happy customers find a loan with us everyday"
"Money sent the same day"
"Free no Obligation online quote"
Warning: Late repayment of payday loans can cause you serious money problems. For help, go to
We are a credit broker and not a lender.
Short Term Loans UK will never call you and will never charge you any fees. Never pay upfront fees for a loan or send money in return for a loan. 
Rates from 12.9% APR to 1721% APR. The minimum Loan Term is 3 months. The maximum Loan Term is 36 months. 
Representative Example: £1,000 borrowed for 18 months. Repayment of 17 Months at £87.22 and final repayment of £87.70 The total amount repayable is £1570.44. Interest amounts to £570.44, an annual interest rate of 59.97% Representative APR: 79.5% (variable).
*Subject to application being approved by the lender. Not all lenders are able to provide up to £5000.
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Short Term Loans UK

Welcome to Short Term Loans UK, The UK specialist in short term loans.

Unfortunately, finances can get out of control and you need a short term loan to bridge the gap until payday – this is where we can help!

On this page we will go through all the loans we offer, how we work, what you need to qualify for a loan, and any other F&Qs you might have regarding short term loans.

What Loans do you offer?

We offer short term cash loans from £100 to £5,000 – with the incredible development of online banking, you can receive your funds the same day (These are called quick short term loans)

You can borrow money between £100 and £5,000 with STLUK.

How long are the loan repayments?

Usually, short-term loans are from 1 month to 36 months, however, you can usually pay the loan off quicker if you have the funds available and there isn’t an early repayment charge. Please check with the lender you are matched with to see if there are any early repayment charges in the terms and conditions.

What do I need to be eligible for a short term loan in the UK?

Before you apply for a loan through our website, please make sure you are the following:

  1. 18 years or older – you can’t apply for a loan in the UK unless you are older than 18 years of age.
  2. Have a UK bank account – The lender we match you with will need to pay the money into your bank account so you can’t apply for a loan without one.
  3. Living in the UK and have a regular source of income.

If you meet the above criteria, then you can apply for a short term loan for up to £5,000.

How do I apply?

You can apply directly through our online application form. The form takes two minutes to complete and you will have a decision in seconds. If you have already applied for a loan before through one of our partners, enter your email address at the top of the page and you will go through the quick application form which consists of three questions and can save you filling in all your details again.

I have bad credit

This isn’t unusual and many people in the UK have bad credit problems. This doesn’t stop you from applying for a loan, please see our short term loans for bad credit page for more information.

No-obligation quote for a short-term loan.

Once you have completed the application form and been matched with a short term loan direct lender. -You’ll receive a no-obligation quote and it is up to you if you want to decide to accept it. If you do want to proceed with the quote shown, you will be redirected to the lender’s website to complete the application..

short term loans uk - the specialist in short term loans

FAQs on short term loans

They are loans usually between £100 – £2,000 which are paid back over a 1-36 month period. The APR is usually high on short term loans because you are paying back over a short period compared to a personal loan. For more information please click here

Shorttermloansuk Minimum Loan Term is 3 months. Maximum Loan Term is 36 months. Representative Example: £1,000 borrowed for 18 months. Total amount repayable is: £1564.59. Interest amounts to £564.59, annual interest rate of 59.97% Representative APR: 79.5% (variable).

There are many reasons why you would take a short term loan out, sometimes in life, it doesn’t go as planned and you need money in an emergency and that is where short term loans can help. We recommend short term loans aren’t taken out for night-outs or gambling. However, they can be useful when needing money to pay for a bill or an item that you need. Just remember to pay the loan off as quickly as you can and you will pay less interest.

Credit cards – if you have good credit you can find some really good deals on credit cards. Some even offer 0%. Similar to a loan though, you need to make sure you make the payments otherwise you could find yourself with a CCJ.

Overdraft – if you have an overdraft with your bank it means you can spend more than what you have in your account. Again, be careful though and check the small print as some overdraft charges can be extremely high.

Ask a friend or family member – this should be the number one choice, if you have a great friend or family member who can borrow you the money, hopefully, if they are a good friend they won’t charge you interest.

For more alternatives please see here

No, however, they are very similar. Short term Payday loans are usually over a period of weeks, whereas short term loans are over a period of months. 

You apply through applications form, we’ll match you with a lender, you’ll complete the application with the lender and you’ll receive your loan. A very quick and easy process.

For more information, you can read this article about how short term loans work.

Short Term Loan News

Here you’ll find the latest news from around the world regarding short term loans.

Provident gives payout update on mis-sold loans – should you appeal? This article is from and published 21st April 2022.

What 20-somethings need to know about taking short term loans – This article is from The Telegraph Online published May 2022

Warning over ”same day’ sky-high loans ad on Facebook – This article is from The Sun published 6 May 2022

What is the bank of England Short-term lending facility – This article was posted on the 10th October 2022