Short term loans with an instant decision from £100 - £10,000

Start your application now and find an unsecured loan in as little as 15 minutes.

How much do you want to borrow?
Find my loan
Cash can be paid in as little as 15 minutes.
One fast, easy to use form.
No hidden costs or fees
Good and bad credit history accepted

Representative 49.7% APR (variable). Representative Example: If you borrow £2,600.00 over 36 months at a Representative rate of 49.7% APR and an annual interest rate of 41.00% (fixed), you would pay 36 monthly installments of £126.61. The total charge for credit will be £1,957.89 and the total amount payable will be £4,557.89.

Rates from 39.9% APR to 1575% APR - we provide a no obligation quote; your APR will be based on your personal circumstances. You can choose a repayment period from 3-60 months when completing your application.

Your journey to getting accepted

Choose a loan

Choose the amount you would like to borrow. Between £100 and £10,000.

A quick and easy form

Fill out our simple form. It takes about 2 minutes and is 100% safe.

Quick payout

Once approved, cash can be credited to your account in just 15 minutes.

What is a short-term loan?

A short-term loan typically ranges from £100 to £1000 and is designed to help you when you need money to cover a cost on a short-term basis. As an example, a short-term loan may be used to help cover bills or costs at the end of a month before the next payday, or if you find that you are out of cash before you next get paid.

Should I get a short-term loan?

Short term loans are a good option for customers who need a loan quickly and want to repay it over a short period of time. Always remember to read the terms and conditions of the loan thoroughly when applying as short-term lenders often include charges and fees if a payment is made late. Only continue to apply for the loan if you are happy with these terms.

Will I need a guarantor to get a short-term loan?

At the money store, we offer both guarantor and no guarantor loan options, once you’ve submitted our loan application you’ll be presented with a panel of lenders, you’ll know which lenders have accepted your application as you’ll see a green tick by their name. You can then choose which lender to go ahead with.

You will notice that guarantor lenders will most likely have a lower APR than that of a non-guarantor short-term lender, as they have the added security of the guarantor and can offer a lower rate because of this.

I have bad credit, can you still help with a short-term loan?

If you have bad credit or no credit history at all you will still be considered by many of the loan companies that we work with at the money store, we specialise in placing all our customers with the best possible option for their personal circumstances. All bad credit short term lenders that we work with are approved by the FCA (Financial Conduct Authority)

Ready to find your short-term loan?

Simply head over to our online application form, it takes under 2 minutes to fill out and after submitted you’ll receive an instant decision from our panel of lenders. You must then complete your application with your chosen lender. Most short-term loan companies can pay out the loan in as quickly as 15 minutes.

Need more help? Check out our FAQ section below to find out more.

Am I eligible for a loan?

To be eligible for a loan you must be, aged 18 or above, a UK resident, have a bank account with a debit card attached, have a regular income and not be bankrupt.

What is the loan application process?

Simply choose the amount you would like to borrow and your loan term (we offer £100 - £10,000 across 3 - 60 months) then fill out our simple form. It takes about 2 minutes and is 100% safe and secure.

We’ll then search our panel of FCA authorized lenders to find the best deal for you, you’ll be shown a list of lenders who have accepted you in principle, we will then pass you on to the best option for you to complete the application process.

If you are accepted, most lenders pay out the same day and some within 15 minutes!

How much can I borrow?

You can borrow from £100 up to £10,000 from 3 to 60 months.

I have a bad credit rating can I still apply for a loan with you?

Yes! Many of the lenders we work with specialize in helping people with bad credit, for more information on this type of loan check out our bad credit loans page.

I am self-employed, can I still apply for a loan?

Yes! But you may need to supply additional documentation for the loan such as proof of earnings.

Will my you check my credit history when I apply?

Yes, but at this stage of your application, it’s only a soft search, which means it won’t affect any future decisions made by a lender, once you’ve been accepted the lender will do a full credit check which will show on your credit file.

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