Interested in borrowing a loan, but only for a short period? Payday Loans Net offers short term loans of £400 – £1,500 over 3 – 6 months. We are a fully authorised direct lender in the UK, specialising in bad credit applicants. Apply now for a fast decision and get same day payout if approved.


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Short Term Loans for Bad Credit


Everyone can apply for a PDNET short term loan, 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 a loan 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 short term credit with bad credit from Payday Loans Net.

Where can I get a short term loan with no credit check?

Short term loans with no credit check in the UK are not likely to be legal. 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 bad credit applicants, like Payday Loans Net.

What is the best short term loan?

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.

It’s also important to compare different APRs (Annual Percentage Rates) when you’re looking for the best short term loan, as a lower APR will mean less interest. Always check for other lender fees such as application fees and late or early repayment fees and watch out for hidden fees.


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Short Term Loans Direct Lenders


We are a direct lender offering short term loans, and you can apply with bad credit. People prefer to apply with 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. Here are some frequently asked questions about short term loans:

Short-term loan FAQs

What are short term loans?

Short term loans allow you to borrow small amounts of money for a short time and repay over a few weeks or months. They are “short-term” compared to longer forms of credit like bank loans. Click here to apply for a short term loan with Payday Loans Net.

Do short term loans cost more than long term loans?

Short term loans usually have higher monthly repayments than long term loans, but help you pay off your debt faster. Although the cost per month for a long term loan might be lower, it can actually end up more expensive overall.

Can I get a short term loan for students?

Students can apply for a loan from Payday Loans Net. To be eligible, 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.

What’s the process for borrowing a short term loan online?

Applying for a short term loan 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! You can learn more about the PaydayLoansNet process here.

Where can I get cheap short term loans with a good monthly repayment?

The best way to find a cheap short term loan is by comparing the price of different lenders. Here is an example of the APR of short term loans from different lenders.
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 as well as instalment loans, which can save you money and could make it the cheapest loan for you.
Loans from Payday Loans Net

You can apply for a short term loan online from Payday Loans Net at any time of day. Our loans are repayable over 3 – 6 months, and you may be eligible for £400 – £1,500. Don’t let bad credit get in your way of applying for a short term loan in the UK, because you can apply with poor 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 direct lender that cares.


Short Term Loans UK


In the past, payday loans were only repayable in one lump sum, on your next payday. Conversely, a short term loan was 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.

We are a UK-based direct lender specialising in short term loans for bad credit. 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, we have an English address which is open during work hours.

Representative example

Total amount of credit: £500
Duration of the agreement: 3 months
Repayment total: £863.24
Interest is fixed at rate of 270.10% per year – 0.8% interest per day | Representative 997% APR
£287.74
Instalment 1
£287.74
Instalment 2
£287.74
Instalment 3
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