3 Month Loans

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 moneyadviceservice.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 loan for a few months? Struggling with an unexpected bill or a car that suddenly needs a repair? Whatever the reason, taking out 3 month payday loans can often be the solution to tide people over and keep their finances on track.

We have done everything we can to make applying for payday loans over 3 months straightforward. On this page, we’ll outline everything you need to know so that the decision whether to apply and the application process are as clear and straightforward as possible.


Choosing a 3 Month Loan Online

Many providers offer cheap payday loans over 3 months, and finding the right one can be the most challenging part of the process.

We have done everything possible to be a one-stop-shop for a 3 month loan. We’ve made the application process easy to follow and put in place an underwriting team who review all applications for loans as quickly as possible.

Once a decision on a loan is made, we do our best to have the money in your bank account within an hour. We recognise that time is often tight when people are applying for a 3-month loan.

Applying With Us

Our loan application process is entirely online which means it is simple and easy and requires no paperwork. To be eligible, you must:

Be a UK resident

Hold a UK bank account

18 years +

A regular source of income

We want to help as many customers as possible, even those who other financial institutions have refused a 3-month loan. We need to ensure that everyone who accepts a loan from us can afford the repayments required.

However, in the event that we cannot offer a customer a loan, our team can help find other lenders to work with them. For this reason, it’s always worth applying for a 3 month loan with us since we go the extra mile to make sure you get the loan you require.

The 3 Month Payday Loans Application Process

Once you have decided to apply for a 3 month loan with us, it’s time to start the application process. Over many years, we have built up lots of experience in accepting applications for 3 month payday loans online and have worked to simplify the process of applying for and receiving the loan.

The first step is to fill out our quick and easy 3-month loan application form. We will require some information to verify your identity and make sure that you will have the ability to pay back the loan that you have applied for. Make sure that you have your banking information to hand and other details we will need, such as an address history for at least the last three years.

What Happens Once You’ve Applied?

Once you have completed your 3-month loan application, we will send the details to our underwriting team. Their job is to review the application and the individual circumstances of everyone who applies for a loan with us. They will then decide whether we can lend to them. While it’s crucial to us to help as many customers as possible, it’s even more vital for us to be sure that everyone who takes out a loan with us, can afford the repayments. However, we will do our best to make this decision as quickly as possible.

If you have any questions about our decision and need more information about your application for a 3 month loan, get in touch with our friendly customer service team. They will be very happy to answer any questions. They can also give further details on repayment schedules, although you will receive full details when the loan application is confirmed.

After your application for a 3 month loan has been approved, the next step is for us to transfer the money to your bank account. We know that in many circumstances, our customers have bills or other obligations that they need to pay quickly. For this reason, we aim to transfer the money that they have borrowed to their bank account within four hours of approval coming back from our underwriting team.

Once the loan is approved, you will have access to our online loan management portal. This makes it easy for you to make repayments, understand when repayments are due and answer any questions that you may have about the loan itself.

Understanding and Managing 3 Month Payday Loans

Once you’ve applied for and received your 3 month loans online, you will be able to stay in control of your loan and understand what repayments are due when through our online portal. If you find that you are in a position to make repayments earlier than required, you will be able to do so via our online portal without having to pay any additional fees.

Applications for 3 month loans often come at stressful times, and we want to do everything that we can to make the process of applying for and managing the loan as simple as possible. If you’re ready to apply, then begin the application process now. If you have any other questions, feel free to contact our customer care team before starting the process.

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