Short Term Loans in the UK

Looking for a loan over a few short months? Borrow a short-term loan online from a direct lender! Easy monthly repayments. No hidden fees. Good or bad credit score.

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Bad Credit Welcome
Same Day Funding
Direct Lender
Up to £1000
Decision in 2 minutes
* Warning: Late repayments can cause you serious money problems. For help, go to moneyhelper.org.uk.
Representative example: Borrow £700 for 5 months. 1st monthly repayment of £235.80, 3 monthly repayments of £235.80, last monthly repayment of £235.90. Total repayment £1,179.10. Interest rate p.a. (fixed) 185.39%. RAPR 611.74% Our APR includes all applicable fees. Daily interest is capped at 0.793%. To compare our loans click here.


Need a short term loan quickly?

Borrowing a short term loan should not take up a lot of your time! At Quick Loans Express, we specialise in instalment loans over the short term, but best of all, we understand that you need your loan now! Our product includes 3, 4, 5 & 6 month loans, but you can repay early anytime and save money. We run a transparent service, so you can be sure you won’t come across any hidden fees later on. With our instant decision engine, your loan application will get processed within minutes of clicking the submit button, and money will be in your bank account within 1 hour of approval.


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Why Quick Loans Express’s Loans Are the Best for You!

Our goal is to provide the best and fastest short term credit for UK consumers. We lend to people who need a little bit of extra cash to cover unexpected expenses or urgent bills, and want flexible loans that have a monthly repayment plan. We are a responsible lender and are open to loan applications from customers with a low credit score too.



Apply in under 5 minutes using our simple form

Our short term loans are quick to apply online for and easy to manage. You can apply anywhere and at any time; from the comfort of your own home to when you are on the go. Our application takes no more than 5 minutes to complete, and we will give you our loan decision in 90 seconds.


Early settlement can save you money

Our cash loans are designed to be repaid in affordable monthly repayments over up to 6 months. However, if you have the money to repay your loan early, let us know. Our flexible repayments option means that any early repayment on your short term loan will save you money on interest.


Low-interest rates and no hidden fees


Our interest rates are one of the best on the market with a 6611.74% RAPR. One of the benefits of using Quick Loans Express is that there are no hidden fees. We inform you of all the loan costs upfront.



Is it Easy to Get Short Term Loan Online?

Unlike payday loans, our quick loans online are designed to be flexible and they have a high acceptance rate. Whatever your situation, be it employed, self-employed, a student, unemployed or on benefits – you can apply with us. Although we don’t look at just your credit history, make sure you have a steady source of income to ensure you can afford the loan payments.

This is what you get if you apply with us:

  • Safe and reliable direct lender
  • 90 second loan decision
  • 1 hour cash transfer (if approved)
  • Fair interest rates
  • No guarantor required
  • Flexible monthly repayments

So if this sounds like the product for you, and you are looking for a no hassle loan provider, just click the apply button below and you can receive your online loan decision within 90 seconds.


How to Find the Best Loans Online

To find the best easy loan in the UK, you have to compare short term loans. To do this, you can use comparison websites, but just keep in mind that these websites only showcase the direct lenders who pay them. There could be cheaper direct lenders who do not pay the comparison website, and therefore, are not featured. We recommend that you open up all the websites and carry out your own audit.

You should compare the features that interest you, for example:

  • The loan amount and durations
  • The interest rate
  • The APR
  • How long it takes to get funded to your bank account
  • Whether there’s an early repayment penalty
  • The late payment fees

Remember that short term loan and payday loans interest rates seem higher as interest is measured by APR which is the annual interest rate and a payday or short term loan is normally only over a few months (our average, for example, is 3 month loans).

Why You Should Choose a Payday Loan Alternative

Despite instant payday loans serving an essential purpose, payday loan debt is thought to be behind high-stress levels that can have a significant impact on borrowers’ busy lives. The rate of payday loan decisions are slow, and repayment options are limited. Quick Loans Express loans act as a faster, better and fairer alternative credit option.

Another thing to consider is that payday loans are usually repaid in one lump sum, which can put considerable strain on your finances. Our payday loan alternative lets you stagger your repayments over a few months to make repayments more manageable. If you need to borrow money now, forget payday loans! Apply for a short term loan with us instead.


Learn more about our payday loans alternative by visiting our ‘How It Works‘ page or our FAQ’s.

Still have more questions? You can contact us here.

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Common Questions on Quick Short Term Loans in the UK


What is a Short Term Loan?

The definition of short term loans is a loan that is repaid within one year or less. The borrower usually looks to borrow a small amount of money up to £1000 and would want to repay it in the short term, for example; 1 or 4 months. Short loans are commonly used to pay for financial emergencies only.

What is the Difference Between Payday Loans and Short Term Loans?

When borrowing instant payday loans, you usually have to repay in 1 month, whereas with short term loans, you can have up to 12 months to repay. At Quick Loans Express, our short term loans have high acceptance rates and we welcome people with poor credit history to apply.

What Should I Do If I Am In Debt?

Our loans are not designed to help you with a serious ongoing debt problem. It might be worth considering alternative credit options or turning to debt helplines for guidance if you need money but are struggling to pay your bills or short term loans online on time. If you have open loans with direct lenders, we recommend you try to pay them in time as late repayment can cause serious money problems.

Can I Apply for a Short Term Loan with Bad Credit?

Yes, you can borrow a loan with us even if you have a bad credit rating. Quick Loans Express is a no guarantor lender in the UK that believes in giving everyone a fair chance. If you can afford a short term loan even with a poor credit score (or with good credit score) – we provide it. It is worth working to improve your credit rating, so that you will have lower interest credit options in future.

Can I Get a Speedy Short Term Loan with No Credit Check?

We do not lend no credit check loans as we believe in safe and responsible lending. The FCA does not recommend short term loans with no credit check in the UK because the lender does not consider your financial stability. This type of unethical lending can lead to severe debt. QuickLoansExpress carries out a credit and affordability check on every incoming application, even those of repeat customers. We check credit history and affordability very quickly though, so our short term loans still have a fast payout.

Why do we carry out a credit check?

Borrowing any loan is a huge responsibility especially an unsecured loan. It is no more risky for us than it is for you. That is why we do perform credit checks, according to Financial Conduct Authority (FCA) guidelines, as it helps us determine whether it is in our best interest to lend you money. No credit check loans lenders in the UK are most likely illegal, and they are unsafe to use as they are likely to cause severe debt problems. For this reason, there is no such legitimate thing as a guaranteed loan as lenders must perform the appropriate credit checks when authorised by the Financial Conduct Authority. To see our authorised and regulated status on the Financial Services Register, click here.

Are Our Short-Term Loans Right for You?

There are certain requirements for those interested in taking out short term loans:

  1. You must 18 years of age
  2. Be a UK resident
  3. Have valid UK bank account details
  4. Prove some source of steady income

Quick Loans Express don’t leave you in the dark; we have an online short term loans calculator that allows you to assess the cost of our loans before your loan application without wasting time. Please contact our customer service team or check our FAQ page for additional queries about our short-term loans.