Having monthly instalments to repay a loan can make borrowing money when you need it affordable and easy to maintain. Here at Payday Loans Net, we provide up to 6 month loans when borrowing between £300 – £1,000, helping you to resolve a short term emergency quickly and not have to repay in one lump sum. It’s quick and simple to apply online with us and we’ll give you a decision in minutes.

To start an application, choose the amount you want to borrow for our 6 month payday loans, and click apply now. Provide us with a few personal details and we can work fast to provide a quick decision and same day cash where possible.


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6 Month Payday Loans for Affordable Repayments


We’ve all been in a position where an unexpected expense occurs that needs to be settled quickly. Whether it’s repairs to your car after a breakdown or accident, or an issue with your boiler leaving you with no hot water or heating, you’ll want to have cash available to resolve it. Ideally, you would have credit or emergency savings you can access to do so, but in situations where this isn’t possible, finding short term loans to help is the next step.

Here at Payday Loans Net, we know that to resolve your situation quickly, you will need a lender who can work fast. We can provide payday loans over 6 months that will not leave you hanging around for a decision. We can approve applications in minutes and pay out the funds you need the same day, all so you can resolve your situation as quickly as possible and get back to normality. With our 6 month loans, you can then pay back monthly rather than traditional payday loans that require full settlement on your next salary date. This makes choosing to borrow between £300 – £1,000 much simpler as you can take spread the cost over the term you can afford. If you prefer to repay quicker than a 6 month loan term, you can choose between a 3 month to 6 month repayment term instead.

6 Month Loans for Bad Credit Applicants


We have helped applicants with a range of credit histories, meaning we can provide 6 month loans for bad credit. As long as you can afford the repayments you want over the 6 month term, and we can determine this from an assessment of your finances, there is every chance you could be approved. We know that having a low credit score can make it difficult when looking for further borrowing, especially when you need funds fast. Whilst we do not provide guaranteed acceptance if you have poor credit, we can help many applicants who may have been turned away by other lenders.

Many people may have missed repayments on loan agreements in the past or gotten into financial difficulty at no fault of their own. There can be many reasons for this such as losing a job through redundancy or being unable to work due to long term illness. That’s why we focus on your affordability during our lending decision process. We take a human approach rather than rely on automated decision making, assessing each individual when conducting credit and affordability checks. This way, you can apply with confidence if you can afford the monthly repayments. If you are experiencing financial difficulty, we will have to decline an application as we cannot lend to those who do not have the means to maintain the required loan repayments.

Choose Trusted 6 Month Payday Loan Lenders


It’s important to only use trusted sources when looking to borrow money. Whilst you may not have much time to choose a lender when looking to resolve an emergency, it’s better to choose trusted lenders to help you. Here at Payday Loans Net, we are authorised by the Financial Conduct Authority (FCA) to provide short term borrowing, working to responsible lending guidelines that are in place to protect you and the lender.

As 6 month payday loan lenders, we do not charge a fee to apply, and you can choose the repayments you want that are affordable to you. You can choose between 3 – 6 months to repay and an amount between £300 – £1,000, so you can borrow only what you need to resolve your circumstances. We’ll treat you fairly as an applicant and provide transparent terms so that you can see exactly how much the loan will cost before proceeding.


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6 Month Loans FAQs


Can I Apply for 6 Month Loans with No Credit Check?

As responsible 6 month loan lenders, we need to perform the necessary credit checks before proceeding with any lending decision. This means once we have checked your financial history by accessing your credit file, we’ll then be able to perform an affordability assessment and inform you if you have been successful. We cannot provide 6 month loans with no credit check, however, if you are someone with poor credit who can afford the loan repayments requested, we will consider an application. We cannot guarantee approval before all necessary checks are complete.

Is a 6 Month Payday Loan in the UK the Longest Term?

As it is a form of short term borrowing, payday loans over 6 months are the longest repayment term we can offer. Our loans range between 3 – 6 months so you choose a term that is most affordable for your circumstances. The reason we do not offer longer than 6 month payday loans is that holding on to this type of high-cost short term credit over a prolonged period can mean higher costs overall. At Payday Loans Net, our loans are designed to cover emergencies when you have no other option and to be repaid quickly. You will never pay back more than 100% the value of the loan in interest and charges, in line with FCA guidelines.

Do Online 6 Month Loans Pay Out the Same Day?

In most situations, we can transfer approved funds into your bank account on the same day. We can even do this at weekends as our opening hours are Sunday to Friday, 8am to 5pm. If you do apply outside of our regular business hours, your application will not be processed until the following working day. To be able to stand the best chance of receiving an approved loan amount the same day, you should apply as early as possible during our business hours. Your bank will need to accept faster payments too for a seamless transfer.

Are You Trusted 6 Month Loan Lenders?

We are FCA approved direct lenders of short term 6 month loans in the UK. You can find our details on the FCA register and our authorisation number is 714479. You should always choose trusted lenders to borrow money from and if you are ever unsure, check the lender has their auth number published on their website and that they appear on the FCA register when searched. As responsible lenders, we want our customers to trust their application will be secure online and fairly assessed, whilst providing transparency during the application process. Any questions, please feel free to contact us.

Apply Now for Payday Loans over 6 Months


If you’re looking for 6 month loans in the UK, click apply now to start your application today with us. We can help you resolve your situation quickly and repay over a term that is affordable for you. Whether you need a £300 loan or more, we’ll work fast to assess your application and, if approved, transfer the agreed funds the same day.

Have any questions? Please don’t hesitate to contact the team here at Payday Loans Net, and we’ll be happy to help. If you need further financial advice, please visit Money Helper for more information.

6 Month Loans in the UK


An instalment loan over 6 months can be ideal when you need to borrow under £1,000. Helping you to resolve an unforeseen circumstance quickly, our online 6 month loans are quick to apply for and can help those with varying credit histories. To apply today, you will need to be at least 18 years old and meet the following requirements:

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

We are happy to welcome your application if you meet this eligibility, and once applied, we’ll perform credit and affordability checks to ensure the loan is right for you. All you then have to do is check you’re happy with the terms provided, sign your credit agreement, and we’ll transfer the approved loan amount into your bank account as soon as possible.

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