Warning: Late repayment can cause you serious money problems. For help, go to MoneyAdviceService.org.uk



*Online decision

*Responsible lenders

*Borrow up to £995

*Rates from 278% to 1576%

*3-12 month repayment



*Instant Decision

*60-Second Application Form

*From £1,000 to £25,000

*Rates from 4.7% to 278%

*3-36 month repayment

How We Can Help


Credit Card Debt


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Why You Should Compare With Us

You Have Complete Control

A Massive Variety of Loan Types

Safe and Secure Online Process

The Most Reputable UK Lenders

By allowing you to take control of the plan it means that we will be able to find a plan to suit any individuals needs. It doesn’t matter what your circumstances are, we will be able to help you get the finance that you need without the usual hassle involved.

It is easy for you to find the loan that suits your needs best. By filling out one simple online form we will be able to determine exactly which kind of loan will suit your needs the most be it a payday loan, debt consolidation, emergency cash loan or a logbook loan.

In the modern age, our accounts and information are being collected every time we turn our heads. It is our company policy that we will not share any of your personal information with any third party company. We will never sell your data to anyone.

We only work with the most reputable lenders from across the UK. This means that you will never be taken advantage of with hidden fees or false promises. Only the very best and most suitable UK lenders will be put forward when you make your application.

Representative Example:
305.9% APR. £400 borrowed for 90 days.
Total amount repayable is £561.92 in 3 monthly instalments of £187.31.
Interest charged is £161.92, interest rate 161.9% (variable)

Please note:
LoanLingo is NOT a lender – we are a licensed broker working with the most popular direct lenders in the market to find you the most suitable short-term loan plan. Our FREE quoting service compares more than 40 lenders quickly and finds you a lender with the lowest rate that they are willing to lend to you today.

Rates from 45.3% APR to 1575% APR – we provide a no obligation quote, your APR will be based on your personal circumstances





Representative Examples from Competitive Companies

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Loan term
3 months
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2 Months
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Short Term Loans in the UK: Finding the Best Options

Throughout the history of time, loans have always played an important role in the financial survival of both man and the industry. As the world’s population grew thicker, the demands for loans rose higher — paving the way for inevitable problems brought about not only by the incessant increase in the number of borrowers trying to get short-term loans, but also by the rising number of borrowers with delinquent accounts. In an attempt to address this seemingly growing problem, traditional lending institutions such as banks as well as other similar firms have later on decided to come up with a credit scoring system, aimed not only at putting a curb on the increasing number of delinquent accounts, but also at segregating borrowers will likely be able to pay off their loans without any problems, from those who are unlikely capable of paying off their loans in the future. Through this credit scoring system, borrowers with income at levels below what the traditional lending institutions deem satisfactory were automatically assigned poor credit scores, while borrowers who frequently missed out on their payments found their records automatically reflect bad payment histories. And although this credit scoring system has proven itself effective in significantly decreasing the number of borrowers with delinquent accounts, it proved to be detrimental to borrowers who were given poor credit scores. With this system in place, individuals with bad credit scores and unacceptable payment histories were automatically disqualified and precluded from taking any more loans from any of the standard lending firms. As a consequence, borrowers who find themselves in desperate financial situations were left with very few and often unpleasant alternatives, such as that of borrowing money from their friends, or members of their families, as well as that of borrowing from underground lenders operating illegally. And since borrowing from family and friends isn’t always possible, many of them resort to borrowing from illegal lenders as a last resort. Although usually, the latter option does provide borrowers the temporary financial relief that they need, the incredibly high-interest rates inherent to these types of loan services often leave borrowers in even worse financial situations — which is the very reason why more and more people with bad credit remain trapped in perpetuated financial mishaps.

choose short-term loans

When to Get Short-Term Loans for Bad Credit

As more and more people fell into the trap of having poor credit, a new market was soon enough created. And as demands for better and more secure loan options continually increased in this newly created market, it wasn’t long before actions were finally taken by the lending industry. With the help of the latest advancements in technology and the subsequent evolution of the lending industry, innovative new loan solutions for borrowers with bad credit were finally introduced in the market. With these innovative new loan services, borrowers now have better, more affordable, and much more secure financial alternatives.

Many of the most popular loan solutions that were recently introduced in the market are short-term loans for bad credit — which are basically small loans that borrowers can pay over a much shorter period compared to that of the conventional loans being offered by most traditional lending institutions. Through this types of loan services, borrowers need not have to borrow more than what is actually needed, and are now allowed to pay off their loans at a much shorter payment condition, eliminating the need to pay for interest at much longer durations. With short-term loans for bad credit, borrowers now have a much more affordable, flexible, and much safer financial option — which they can easily avail of in times of urgent financial situations.

How to Get Short-Term Loans and Instant Loans

Through the latest advancements in technology and security, innovative new loan services are now readily accessible to borrowers in the market. Unlike application procedures for most conventional loans from traditional lending firms, applications for innovative loan solutions such as short-term loans and instant loans do not entail long waiting in long lines for long hours just to submit applications, nor do they involve even longer waiting when it comes to approvals and release of approved loans’ funds. In fact, because applications for short-term loans and instant loans can be accomplished entirely online, borrowers now have the convenience of being able to submit their applications from anywhere, anytime. And since applications are completed over the internet, processing of applications start as soon as they are submitted. Consequently, borrowers can now expect approvals of their applications in as little as just a few minutes. The release of approved loans’ funds, on the other hand, is now possible even on the very same day that the loan application was submitted.

Because of these impressive features of short-term loans and instant loans, they make the best loan resolutions in times of urgent financial situations. Short-term loans and other similar loan services also make good choices in relatively small and affordable purchases, such as that of new gadgets, accessories, home appliances, and even in paying for travel expenses as well as other purchases. But because short-term loans are typically loans in small amounts, they do not make the best resolutions in complicated financial situations that require bigger amounts and longer payment terms. In such situations, borrowers are best off taking secured loans on long-term payment conditions.

Short-Term Loans from Direct Lenders: Are They Really Cheaper?

For many borrowers — both the experienced and the inexperienced alike — the common belief is that taking  short-term loans from the lenders directly saves them from the trouble of having to pay for loan brokers’ fees. What is unknown to many, however, is that because loan brokers have extensive connections to many different lending institutions across many different regions, they consequently have access to the many different deals and promotions being offered by lenders across their many different services. Because of these, borrowers securing loans through the assistance of loan brokers actually enjoy far more savings in the long term. And since loan brokers often extend expert financial advise to most of their clients, through their services, borrowers have ensured the best loan options in relation to their unique financial situations.

why choose short-term loans







  • We promise to do our absolute best to find you a plan that fits your particular circumstances.
  • We will do our utmost to make sure that you fully understand every step of the process and especially the payment plan.
  • We will not charge you for our service and we will never add any hidden charges to the plan.
  • We will always help you if you should need it, all you need to do is use our Contact Us Form if any issue should arise.
  • We only use reputable UK lenders that are, to the best of our knowledge, entirely trustworthy.
  • We will not accept applicants that we do not believe are entirely capable of repaying the amount borrowed.
  • We will never give out a loan to someone we feel will be unable to meet the requirements given by the lenders.
  • We are a broker, not a lender, and we will act as such in all circumstances.

Apply Today to Win!

If you apply for a loan with us between now and the end of summer then you will automatically be entered to win a brand new iPad Pro.
Multiple applications will result in multiple chances.

Competition ends 31st August, hurry and enter now.

Winner will be announced 3 working days after competition end.

3 most recent personal loan reviews

Review of HSBC

I can honestly say that my dealings with HSBC Loans has been easy, quick and efficient. The staff are always polite and courteous and if any problems arise with our account they deal with it very quickly.

Review posted by Mr Baskerville, Southport

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Payday UK

A very easy process from start to finish, nice and polite team members that talk you through in terms that you can understand and added to that a super quick payout. Will definitely recommend to everyone. Thank you

Review posted by Neil Pattrick, Dunloy

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of We Find Any Loan

Honesty, realistic and genuine. I can't say anymore than that. I had problems with credit in my past that were cleared but unfortunately my credit score was very poor but thankfully wefindanyloan gave me a chance to rebuild that. Thanks again for your support.

Review posted by Peter Watson, Abriachan

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

All Reviews have been acquired from uk.trustpilot.com to guarantee authenticity.





LOANLINGO IS A CREDIT BROKER AND NOT A LENDER. We pass your information to a lender once you have been accepted for a plan. We take a fee from the lender only, once you’re approved and we do not add charges to your plan in doing so.
YOU MUST MAKE ALL AGREED PAYMENTS TO AVOID LEGAL ACTION. If for any reason you will be unable to pay the agreed instalment then contact us immediately. Do not ignore the issue as a default payment will not solve itself.
NEVER BORROW MORE THAN YOU CAN AFFORD. Defaulting on payments can lead to serious and life changing financial issues. Make sure you only accept an agreement that is within your ability to repay.
LoanLingo.co.uk is a registered trading style of Serpable Ltd, which is an Introducer Appointed Representative of Quint Group Limited and is entered on the financial services register under the reference number 780328. Quint Group Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 669450. Serpable Ltd is registered in England and Wales (Company number: 10699069), Registered Office, 17 Collingbourne Avenue, Bournemouth, Dorset. BH6 5QR.