3 Month Loans

Get your 3 month loan from a trusted payday loans direct lender. Easy monthly repayments. All credit ratings welcome.
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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 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 3 months? Struggling with an unexpected expense or a car that suddenly needs a repair? Whatever the reason, taking out 3 month loans with Quick Loans Express can often be the solution to tide people over and help in a difficult financial situation.

Apply now for up to £900, and get an instant decision and funding in your bank account within 1 hour. We offer high acceptance rates no matter your credit score.

We have done everything we can to make applying for a short term loan over 3 months straightforward. As an authorised lender registered by the Financial Conduct Authority, we provide a transparent and fair service for UK residents. 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.


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Choosing a 3 Month Loan Online



Many providers offer cheap 3 month loans, 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 from a desktop or mobile phone and put in place an underwriting team who review all applications for traditional payday loans and all other loans as quickly as possible.

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




The 3 Month Short Term 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 loans online and have worked to simplify the process of applying for and receiving the loan.

To see a representative example and get an idea of monthly repayments and interest rates, go to our apply page. We pride ourselves on being totally transparent- we do not charge customers any hidden fees along the way.

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?


Step 1

Once you have completed your 3-month loan application, our underwriting team will review the application. They do credit and affordability checks on everyone who applies with us. Although we would love to help everyone who applies for a payday loan with us, it is our responsibility as a lender to ensure that only people who can afford monthly repayments will receive a loan . We are committed to informing you of our decision as quickly as possible.

Step 2

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, flexible repayments and late payment although you will receive full details when the loan application is confirmed. With Quick Loans Express there are no hidden fees.

Step 3

Once the loan is approved, we aim to transfer the money to your bank account within four hours of approval. You will have access to our online loan management portal. This makes it easy for you to make repayments, understand when repayments are due, see the total amount outstanding, and answer any questions that you may have about the loan itself.




Understanding and Managing 3 Month 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. Repaying early saves you interest fees and late repayment can cause you serious financial issues.

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.



Learn more about our three month loans 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 3 Month Loans in the UK


What is a 3 Month Loan?

The definition of a three month loan is a loan that is repaid within three months or less. The borrower usually looks to borrow a small amount of money up to £900 and wants to repay it in 3 instalments, one per month.

3 month loans should only be used to pay for financial emergencies, because loans taken out unnecessarily can cause you serious money problems.

What if I Can’t Afford the Repayment One Month?

At Quick Loans Express we do affordability assessments and credit checks before approving a loan, in line with responsible lending criteria from the Financial Conduct Authority. However, we understand that unexpected circumstances can sometimes throw a budget off and leave people unable to meet repayment terms.

In such a scenario, contact us to explain the situation and we will do our best to help. It is sometimes possible to negotiate a new repayment plan with lower monthly repayments over the next few months.

Never borrow money whether payday loans or short term credit, if you are unsure whether you can pay back on time. Short term loans are an expensive form of credit due to the high interest rate and missed payments can cause severe money problems. For help go to moneyadviceservice.org.uk.

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

When borrowing an instant payday loan, you usually have to repay in 1 month, whereas with three month loans, you can have up to 3 months to repay.

At Quick Loans Express, our short term loans and payday loans have high acceptance rates and customers can borrow even with poor credit history if they can afford repayments.

Can I Apply for a 3 Month Loan with Bad Credit?

Yes, you can borrow a three month loan with us even if you have a bad credit rating.

Quick Loans Express is one of the direct lenders on the UK Financial Services Register that believes in giving everyone a fair chance. We will do credit checks on all new customers, but if you can afford a short term loan even with a poor credit score (or with good credit) we will usually approve it. You should do your best to improve your credit score nevertheless, since a bad credit report results in higher interest rates on credit.

How Much Can I Borrow For 3 Months?

Customers can borrow short term loans for 3 months at amounts between £300 and £900. Do not borrow more than you need as all loans are expensive. You can see interest rates for different loan amounts on our apply page.

Warning: late repayment will incur additional charges. Pay back on time to avoid late payment fees.

Are 3 Month loans Online Safe?

In order to borrow safely, before entering a loan agreement you must ensure that you can afford the minimum repayment amount required each month.

As an authorised and regulated lender, at Quick Loans Express we will do a credit check and affordability assessment before approving any loan.

Note: Before applying with any lender, make sure they have an FCA number on their website and check that it matches what is listed on the FCA register. This will ensure your maximum safety when applying for a loan online.