Short Term Loans


Need a loan, but only for a short period? Payday Loans Net offers short term loans of £200 – £2000 over 1 – 6 months. We are a fully authorised direct lender in the UK, specialising in short term loans for bad credit. Apply now for a fast decision and get same day payout if approved.



Find out what loan you can get with Payday Loans Net:


Short Term Loans for Bad Credit

Everyone can apply for our short term loans, regardless of their credit score. We understand that it is easy to reduce your credit score, and much harder to improve it. If you haven’t been able to receive short term loans in the UK with Payday Loans Net yet, you can try again. We realise that your circumstances may have changed, and we judge you based on the present. You need no guarantor to apply for our short term loans for bad credit.


Where can I get short term loans with no credit check?


What is the difference between a short term loan and payday loan?

Short term loans with no credit check are illegal in the UK. You can only apply for a loan from a direct lender if they carry out minimal credit checks, and assess your ability to afford the loan. If you are wary that lenders will not want to lend to you because you have poor credit, try to borrow money from lenders who specialise in short term loans for bad credit, like Payday Loans Net.

In the past, payday loans were only repayable in one lump sum, on your next payday UK. Conversely, short term loans were only repayable in instalments. Payday Loans Net now has the option of paying back short term or payday loans for bad credit over 1 – 6 months. Remember: The interest rate on short term loans is fixed, but the longer you take the loan, the higher the total amount of interest will be.





Short Term Loans UK

We are a direct lender specialising in short term loans in the UK. We require that all our borrowers reside in the UK, and have a UK bank account. If you have any queries or problems that you cannot resolve on the phone, we have an English address which is open during work hours.


Can I get short term loans for students?


What are the best short term loans?

Students can apply for short term loans from Payday Loans Net. To be eligible for short term loans if you are a student, you need to be over 18, living in the UK, and have a steady source of income. Before you apply online, it is important to ensure that you are using the loan for a responsible purpose, such as an unexpected expense that you cannot cover. Taking a loan when you are still young in your financial journey could leave footprints on your credit report.

When looking for the best short term loans, you should compare short term loan lenders to find the one which is most suited to your needs. For example, if you are looking for short term business loans, take into account how long you want the loan for, and what loan amount is the best option for you. Other things to look out for are a good customer service and a fair interest rate. Always ensure your lender has a registered number from the FCA.



Wondering who uses our loans? This infographic contains fun facts and stats about our borrowers!



Short Term Loans Direct Lenders

We are a direct lender offering short term loans, and you can apply with bad credit. People prefer our short term loans from direct payday lenders, rather than a broker, as there is no broker fee and you don’t have to worry about your confidential information being passed around. Also, you know which lender you are dealing with, in case you have to contact them directly.


What’s the process for short term loans online?


Where can I get cheap short term loans?

Applying for short term loans online with UK lender Payday Loans Net is a simple and transparent process. There is no paperwork and no hassle – it’s quick, and entirely online. Once you submit the online short term loan application you receive a decision within 90 seconds. If your loan is approved, you should be able to withdraw the funds using your debit card on that same day!

The best way to find cheap short term loans is by comparing the price of different lenders. Here is an example of the APR of short term loans from different lenders.
Wonga 1,509%, Sunny 1291%,
Payday Loans Net 997%, Quick Quid 1294.9%.
When comparing prices, don’t stop at the APR rate or interest fees, because there are other factors to consider. For example, PDNET offers early repayment, which can save you money and could make it the cheapest loan for you.



Short term loans from Payday Loans Net

You can apply for short term loans online from Payday Loans Net at any time of day. Our loans are repayable over 1 – 6 months, and you may be eligible for £200 – £2000. Don’t let bad credit get in your way of applying for a short term loan in the UK, because you can apply with bad credit too. You can get an instant decision on your loan and we aim to fund on the same day during work hours. Enjoy the ultimate loan experience from a lender that cares.




Written by: Felicity Jones
The article "Short Term Loans" was last modified on