3 month loans are much more flexible than other types of loans. You never have to worry about making your repayment in one lump sum. You can spread your repayments across 3 months. We can approve your 3 month loan application in a matter of seconds. Apply now by completing the application form. You could have up to £1,000 in your bank account within 1 hour of approval!


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3 Month Loan Direct Lenders


People all over the UK come to us for 3 month loans. Lots of people prefer this type of loan because they do not need to repay it in one lump sum. The thought of having to find a lump sum can create unnecessary anxiety and stress.

At Payday Loans Net, we have created loans that eliminate stress. We stand apart from other lenders because we are 3 month loan direct lenders. In most cases, loan agreements involve three people: the lender, the broker, and the borrower. The broker, who is sometimes called the middleman, passes information from the two other parties. When a broker is involved in a loan, the agreement takes longer and is generally more expensive.

We are direct lenders. Direct lenders do not need brokers, which means that you do not need to pay broker fees. Because there are no middlemen, we can decide on your application within seconds.

People choose us because we are FCA authorised. The Financial Conduct Authority regulates the actions of financial services companies and punishes any misconduct. Our FCA approval means that you can trust us to provide financial services that are legal and safe.

Up to £1000 Loan Over 3 Months – How It Works

We offer people all over the UK a wide range of different loans. Loans can save the day when bills fall into your lap, or an emergency arises. Whatever your situation, we have a loan for you.

We are direct lenders, which means that you do not have to pass your information to a broker. Once you have filled in the form, you will receive an instant decision. If we approve your application, you will have up to £1000 in your account in the next 24 hours.

Getting cash in your account is as easy as 1, 2, 3. Follow the steps below to see whether you are eligible.

  1. Click APPLY
  2. Complete the application form
  3. Receive an instant decision

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3 Month Loans FAQs


Are there any broker fees for payday loans over 3 months?

Our customers do not have to worry about broker fees because we are 3 month loan direct lenders. Direct lenders do not employ brokers. Brokers are often called middlemen because they go between the lender and the broker.

At Payday Loans Net, we simplify the loans process. We loan the money to our customers directly. By cutting out the middleman, we have created a seamless process that does not involve broker fees. Whether you are looking for payday loans over 3 months or even over 6 months, you do not have to pay broker fees.

Can I get a 3 month loan with no credit check?

When looking for loans, one of the biggest problems people face is a poor credit score. Credit scores are 3 digit numbers that tell lenders whether or not you are a reliable borrower. It is easy to damage your credit score.

It is illegal for lenders not to perform a credit check. We offer a safe alternative for people who want a 3 month loan with no credit check. If late payments or poor choices have damaged your score, do not worry. We are one of the only lenders that have a high acceptance rate for bad credit scores.

Complete the application form and receive an agreement in principle from us in seconds.

How fast are 3 month loans?

When unexpected bills appear, it is important to get cash fast. We know that our customers need to have cash in their bank account as quickly as possible. Our service is so fast that you could have cash in your bank within an hour.

Once your application has been approved, you will have cash in your bank within 1 hour. We offer our customers loans of up to £1000, which is more than enough money to provide them with much needed financial security.

Who Can Apply for a 3 Month Loan?

We are proud to be an FCA authorised lender. All our financial services are regulated and approved by the FCA. The FCA states that borrowers have to meet certain criteria.

Borrowers have to:
• Reside in the UK
• Have a UK bank account
• Be in full-time employment
• Be 18 or older


Anyone who meets these requirements can apply for a 3 month loan and become a borrower. People all over the UK use loans as a way to bridge the gap between their paydays. 3 month payday loans are a fast, efficient, and safe way of getting instant cash.

What happens if my application is rejected?

We know how important it is to have cash in the bank. If your application does not meet our criteria, we will not provide you with a 3 month loan. This does not mean that other providers will also decline your application. Our team are here to help you get the financial support you need. If we decline your application, we will do everything in our power to find a lender who can help you.

At the start of your application, you will find 3 terms and conditions. The last term states that you are happy for us to find you another FCA authorised lender if we cannot approve your application. If you would like us to help you find another lender, tick the box before starting your application.

What are 3 month loans?


3 month loans are an alternative to lump-sum loans. When you choose lump-sum loans, you have to pay back the amount you borrowed plus interest all at the same time. These types of loans can cause stress because they are inflexible. If you do not have the full amount on the date specified by your loan provider, you can incur a fee.

As the name suggests, 3 month loans allow the borrower to pay back the loan amount across 3 months. In most cases, borrowers will pay the money back in 3 monthly instalments. This gives borrowers flexibility. If any unexpected bills arrive, they still have time to meet their repayment deadlines.

Representative example

Total amount of credit: £500
Duration of the agreement: 4 months
Repayment total: £863.24
Interest is fixed at rate of 270.10% per year – 0.8% interest per day | Representative 997% APR
£215.81
Instalment 1
£215.81
Instalment 2 & 3
£215.81
Instalment 4