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Small Short Term Loans

The are numerous types of small, short terms loans to consider whether you have bad credit or not. There are, of course, pros and cons with each. There is more information below and elsewhere on this website to help you choose.

As with all credit think twice before taking on more debt if you already have some and are beginning to struggle to balance your weekly or monthly budget.

Small Bad Credit Loans:

These are some of the options to consider more info

  • Instalment Loans
  • Doorstep Loans
  • Small Guarantor Loans
  • Payday Loans
  • Logbook Loans

All loans subject to affordability

Why Consider a Small Cash Loan?

While you should always be wary about taking on credit you can ill afford to repay there are a number of benefits to a cash loan:

  • Relatively fast to organise and obtain - perhaps within just an hour or two of applying
  • Can cover those emergency situations if you don't have savings to dip into
  • Generally get instant decisions from lenders
  • You can sometimes choose between weekly and monthly payments
  • You don't have to have a perfect credit history

Note: Lenders are obliged to conduct affordability checks.

How Long is a Short Term Loan?

We have included all loans below that have a repayment option of 12 months or less. We would always encourage you to repay your loan as quickly as your household budget will allow you to as this way you'll reduce the total amount of interest that is charged.

Remember that, as with all credit, how you manage the repayment of your short term cash loan will influence your ability to get credit in the future. All activity is recorded in your credit file. Repayment in full and on time will help improve your credit score so that you may have better loan options in the future.

Instalment Loans

  • Borrow up to £2000
  • Repay in installments over 3 to 24 months
  • Fast payout is possible
  • Responsible lending policy
  • Only use this type of loan in exceptional circumstances
  • Representative APR 299%

Doorstep Loans

  • Small cash sums up to £2,500
  • Repay over 14 to 52 weeks
  • No bank account required
  • Pay weekly in fixed amounts
  • Friendly doorstep service
  • Multiple loan options
  • Representative APR 399.7%

Payday Loans

  • Borrow up to £1000 for up to 30 days
  • Trusted lenders only
  • Get payouts within 24 hours
  • Responsible lending policy
  • Only use this type of cash loan in exceptional circumstances
  • Only use for very short periods of time
  • Representative APR 1081%

Logbook Loans

  • Borrow £500 to £25,000+
  • Typical Loan value £1000
  • Repay typically over 3 months to 2+ years
  • Loan secured on your car - so be careful
  • Poor credit acceptable (credit check done)
  • Trusted direct lenders
  • Representative APR 189.9%

Guarantor Loans (small/short term)

  • Borrow £100 to £750
  • Repay in instalments over 6, 9, 12 or 24 months (i.e. short term)
  • Same day payouts are achievable
  • Less than perfect credit accepted
  • Lower cost & more flexible than a payday loan
  • Guarantor required but can be a non-homeowner
  • Representative APR 347% (12 months)

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