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Compare Short Term Loans


Behold! Displaying 3 results based on a loan amount of £300 over a term of 3 months


Short Term - Repay Monthly
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APR representative


Total repayable


First month
  • Low credit rating accepted
Representative Example:

A loan of £480 over 9 months at a fixed annual rate of 133.1% would result in a representative rate of 535% APR, 9 monthly repayments of £106.56 and a total amount repayable of £959.04

SafetyNet Credit

Short Term Loan
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68.7% (variable)

APR representative


Total repayable


First month
  • Low credit rating accepted
Representative Example:

Amount of credit: £500. Interest rate: 0.8% per day for up to 40 days (292% per annum (variable). Representative 68.7% APR (variable). Maximum APR - 68.7%. Repayment Period: Ongoing, line of credit

Lending Stream

Short Term Loan
Lending Stream logo


APR representative


Total repayable


First month
  • Low credit rating accepted
Representative Example:

A loan of £200 over 6 months at a fixed annual rate of 292% would result in a representative rate of 1333% APR, 6 monthly repayments of £64.44 and a total amount repayable of £386.61. This rate is available to new customers applying via

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  • Compare Short-Term Loans

    Are you looking to borrow a small amount to tide you over for a month? If you need a relatively small amount of money over a short period of time, then you might decide a short-term loan is right for you.

    What is a short-term loan?

    A short-term loan simply means the debt is designed to be repaid in a very short period of time, rather than over the months and years that most lenders provide credit.

    For example, you might borrow the money one month and repay it the following month after payday (sometimes referred to as a Payday Loan). This kind of borrowing is usually fairly small – in the hundreds rather than the thousands.

    Of course, relying on a short-term loan every month is not a good idea. In that situation, you can end up moving from short-term loan to short-term loan and picking up more debt – a short-term loan is simply a stop gap to get you to the next payday if you have had an expensive month.

    When is a short-term loan right for me?

    If you need to borrow some money in a hurry, then it’s still important to take some time to work out whether or not this is the best choice for you.

    After all, even when you compare short-term loans online and find the best rate available to you, it can still be an expensive way to borrow.

    Remember: only take on a short-term loan if it’s genuinely the best option for you. It’s important that you have a clear path to repaying it within the timeframe and without falling into a cycle of monthly debt.

    But a short-term loan can actually be a cheaper option than going into an unarranged overdraft, so this can be a positive choice as long as you have a clear plan in place.

    What are the alternatives to a short-term loan?

    There are other alternatives to short-term loans but not all of them are available to every borrower:

    • A Credit Card: if you have a good credit score, a steady income and you know you can be very disciplined with your money then applying for a credit card could be a better choice. That’s because you might qualify for a card that offers a long interest-free period.
    • An Arranged Overdraft: many banks will provide a short-term extension to an overdraft to customers and that might be a cheaper option as long as you arrange it in advance and don’t just dip into the red

    In addition, you might find cheaper rates and even financial advice via a credit union, which is like a community-led bank.

    How do I find the best short-term loan?

    If you are confident this is the right option for you then it’s really important to compare short-term loans online to find the best rate.

    Although some providers have stopped offering these or gone out of business, there are still several different lenders still on the market. Comparing rates of short-term loans will let you find the cheapest deal for you.

    Why not try our moneymatcher service? It can help you compare short-term loans online, picking out the ones that are most appropriate for your circumstances. Better yet, it’s quick, free and will not adversely affect your credit score.

    Our lenders

    We work with a huge range of lenders to give you a wide selection of financial products, ensuring you can find a loan to suit your circumstances.

    Each lender is screened to make sure they meet our high standards before we agree to work with them. This ensures that you can trust them as much as we do, allowing you to find the best product from a reputable source.

    We have a diverse range of lenders specialising in different loan products, allowing you to borrow money quickly, easily and safely every time. Our moneymatcher comparison tool will allow you to narrow down your search and pick out the right loan product for you.

    Have a look at our provider pages to see our full list of lenders.

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