6 Month Loans

Need a 6 month loan to pay for an unexpected bill? We are a high acceptance payday loans direct lender. All credit scores welcome!
APPLY NOW
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 6 month loan quickly for an emergency? You have come to the right place! At Quick Loans Express we have designed our loan process for short term loan applications over 6 months to be as straightforward as possible. Apply online for up to £1000, if approved and the consumer credit agreement is signed, we will fund you the money directly into your UK bank account. We offer high acceptance rates and flexible loan repayments even with a low credit score.

As a transparent direct lender authorised by the Financial Services Register, we will provide all of the information you require to decide whether to apply for one of our loans.

This page clearly explains the process of applying for one of our 6 month loans (or any of the other flexible loans that we offer), how our customers can manage their repayments and get answers to any questions that they might have about their loan. To see our annual interest rate for a 6 month loan click apply now and fill in your requirements. You will then be shown the cost of the loan you are interested in.


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Why Choose Quick Loans Express for Your 6 Month Loan?


Clear, simple pricing structure
No extra fees for early repayment
Easy loan management via online portal

Click here for application form


Repayment Rates For 6 Month Loans


Quick Loans Express is a direct broker with a simple, transparent fee structure. We do not charge extra fees for early repayments, as many other lenders do, and we stress to customers that late repayments will result in higher interest charges. As we have our customers best intersts in mind, we strongly advise people to only take out a loan with us if they are certain they can afford the repayments.

Our 6 month loans are available in amounts of £700 to £1000. Below is an approximate guide to monthly repayment amounts for a selection of loan amounts (for a more detailed pricing structure or representative example go to our apply page):




The 6 Month Unsecured Loans Application Process



While we’ve done everything that we can to make the process of applying for a 6 month loan on our website as simple as possible, there are a few questions that we have to ask in order to comply with government guidelines and make sure that all of our customers can afford the repayments that they are signing up for.

In addition, complete information on our 6 month loan rates is available after completing section one of the application, which makes it easy to compare the loans that we are offering and the cost of repaying them against other providers.

Once you have decided to make a 6 month loans application, the good news is that we are generally able to do all of this using a quick form on our website, which most individuals are able to complete in 10 to 15 minutes. However, before applying for one of our 6 month payday loans, there is some information that you will need to have to hand. This includes information on your salary, your bank account details and address history for at least the last three years. We will also need some details about what you plan to use one of our 6 month loans for.


What Happens Once You’ve Applied?


  • Once you have completed your 6-month loan application, we will send the details to our underwriting team. Their job is to review the application and the credit history and income details of everyone who applies for a short term 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 our underwriting team have any additional questions or information that they need before they are able to make a decision on your 6 month loan application, they will be in touch with you. We try to avoid doing this wherever possible and want to make sure that we don’t have to delay your short term loan application, so if we do get in touch, it will be because there is something important that we need to double-check.


  • We understand that you may need the funds you have borrowed in your account as quickly as possible. For that reason, once our underwriting team has approved your application, we will do our best to transfer the money to your bank account within four hours.


  • Once the money has been transferred to your account, we want to make the process of managing our 6 month loans as easy as possible. That’s why we have built our online customer portal, which makes it simple to check what your outstanding balance is, when the next payment on your loan is due and how you can settle your loan early. Unlike many other companies that offer online 6 month loans, we won’t charge an extra fee if you decide that you want to settle your total loan amount early. If you’re going to do this, you can do it at any time by getting in touch with our friendly customer care team.




Managing Your 6 Month Payday Loan



All of the information that you need to manage your 6 month loan should be available here on our website, but if there is anything that you would like to clarify or if you have any additional questions, then please get in touch with our customer care team. They are here to answer any questions that you may have before you take out a loan, during your repayment period and even after the repayments have finished.

It’s generally best to clear up anything you’re uncertain about before making your application for a loan, as this will often allow us to process the application and come to a decision more quickly, so we’d encourage you to get in touch as soon as possible if you have any questions.



Common Questions on 6 Month Loans in the UK


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

Since Quick Loans Express are a responsible lender registered by the Financial Conduct Authority, we follow responsible lending criteria. This means we do affordability assessments and credit checks before approving any application.

However we do understand that an unexpected expense can throw off a balanced budget and in such a scenario you should contact us if you are unable to pay your monthly instalment.

We will advise you on the best course of action, and in some cases will be able to negotiate a new repayment plan with lower monthly repayments.

What is a 6 Month Loan?

The definition of a six month loan is a short term loan that is repaid within six months or less . The repayment is split into 6 instalments of equal amounts, which are paid monthly.

6 month loans also known as instalment loans, should only be used in emergencies, since loans taken out unnecessarily can cause you serious money problems.

What is the Difference Between a Payday Loan and a Short Term Loan?

With a payday loan, you usually have to repay in 1 month, whereas with six month loans, you can have up to 6 months to repay.

At Quick Loans Express both short term loans and payday loans have high acceptance rates and customers can borrow even if they have a bad credit score.

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

Are 6 Month loans Online Safe?

To borrow safely, before entering a loan agreement make sure that you can afford the minimum repayment amount required each month. As an authorised and regulated lender, at Quick Loans Express we will do credit and affordability checks before approving any loan.

Can I Apply for a 6 Month Loan with Bad Credit?

Yes, you can borrow a bad credit loan online over six months with us regardless of your credit rating.

Quick Loans Express is one of the direct lenders on the UK Financial Services Register that believes in giving everyone a chance for credit. We do credit checks on new customers but even if you have bad credit, if you pass our affordability assessment you will usually be approved. Nevertheless, you should try to improve your credit score, since a bad credit report results in higher interest rates for all types of credit.

How Much Can I Borrow For 6 Months?

Customers can borrow short term loans for 6 months at loan amounts between £700 and £1000.All loans are expensive, so only borrow as much as necessary. You can see interest rates for different amounts on our apply page.

Warning: late repayment will always incur additional charges. Pay back promptly to avoid late payment fees.


Are Our 6 Month Loans Right for You?

There are certain requirements that you must meet before taking out a 6 month loan with Quick Loans Express:

  1. Be a UK resident

  2. You must 18 years of age

  3. Hold a valid UK bank account

  4. Have a steady source of income

We have an online calculator that allows you to assess the cost of our 6 month loans before your fill out your loan application without wasting time. Please contact our customer service team or check our FAQ page for additional queries about our loans.