At Payday Loans Net, we offer a wider variety of different loan types. As a flexible lender, we can offer 3 month loans, meaning you will never have to worry about paying a loan back in one lump sum. The beauty of 3 month payday loans online lies within the fact that you can spread your payments across 3 months, easing any financial pressure you may be experiencing and helping with your financial emergency.

As 3 month loan direct lenders, we can approve your 3 month loan online application within 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.

What are 3 Month loans?


As the name states, 3 month payday loans online are loans over 3 months that you can pay back in short term instalments. As an alternative to paying back in a lump sum, our 3 month loans in the UK do not have to be repaid all at once, enabling you with a flexible borrowing approach. Paying money back in a lump sum can result in unnecessary stress due to added interest and the fact that you fees can be incurred if you do not pay back the specified amount all at once within a certain timeframe.

Loans over 3 months allow you, the borrower, to pay back the 3 month loan amount within a more accommodating timeframe, giving you flexibility.

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3 Month Loan Direct Lenders


People come to us for 3 month loans in the UK for a variety of reasons. Many individuals prefer our 3 month payday loans online due to the fact that one lump repayment isn’t necessary. Rather than facing anxiety, stress and worry, a 3 month loan in the UK is an adaptable form of lending that suits you and your financial situation.

At Payday Loans Net, we ensure that we provide loans over 3 months to eliminate stress. As 3 month loans direct lenders, we stand apart and steps ahead of other lending organisations. You don’t need to worry about other parties being involved. As 3 month loan direct lenders, we are your one and only point of contact. Many loan agreements involve brokers, a middleman who often pass your information to third parties. Using a broker can not only prove more expensive than 3 month loan direct lenders such as ourselves, but also has the risk of violating your privacy.

3 month loan direct lenders such as ourselves do not require brokers, so you can put your worries to rest I n regard to any surplus broker fees. Without the need for middlemen, we are able to decide upon 3 month loan online application within seconds.

Why Choose Us for The Best 3 Month Loans in the UK


There are a wide range of benefits attached to choosing us as your 3 month loan direct lender. Payday Loans Net is an FCA authorised lender of 3 month loans online, meaning we are a trusted lending establishment. The Financial Conduct Authority regulates the actions of financial services companies such as ourselves. Additionally, any misconduct is treated, and punished, accordingly. Our FCA approval means that you can trust us to provide financial services such as 3 month payday loans in the UK that are legal and safe.

We will always conduct a credit check before providing you with loans over 3 months. This is a legal requirement, and any lender who does not do this is either operating in an illegal or immoral manner, without your best interests at heart. Credit checks are undertaken for the protection of you, so don’t feel disheartened. A por credit score also doesn’t automatically exclude you from the possibility of receiving a 3 month payday loan online. We will assess your current affordability, alongside other criteria, rather than fixating on your financial history.

How 3 Month Payday Loans Work


We proudly offer 3 month payday loans in the UK to a wide range of individuals. Our 3 month loans online can prove to be a life saver when unexpected bills, maintenance costs or any other expenses arrive. Whatever your situation may be, we can offer the best 3 month loans for you. As 3 month loan direct lenders, your confidential information is safe with us. We will never pass your details to a broker, and once you have completed the 3 month loan application form, you will receive an instant decision.

Upon approval of your 3 month loan application, you can receive up to £1000 in your account within the next 24 hours.

Follow the steps below and apply for your 3 month payday loan online today.

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

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.

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.


3 Month Loan Eligibility


Wondering if you are eligible for 3 month payday loans? Our short term 3 month loans are repayable through instalments, so you will never need to worry about paying it off all at once.

We are a 3 month loan direct lender offering you the very best 3 month loans. To get a loan from us, you must:

  • Reside in the UK
  • Have a UK bank account
  • Have a steady income

If you have any queries or problems that you cannot resolve on the phone, contact us during working hours, and we will do all we can to resolve your issue.

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