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

Apply to Borrow £1000 to £25,000*

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Why Short Term Loans?

If you need a quick cash that doesn't require complicated documents, the best option would be to apply for a short-term loan. Short-term loans are foreseeable. It means you can weigh and review your finances more accurately rather than a long-term loan. Additionally, it can also help you boost your credit score fast. Since it would only take less time to pay it back, you can gradually improve your score faster.


Borrow funds from £1000 to £25,000

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Need Cash Assistance?

Going through traditional practices of borrowing funds can be a real hassle. Not only that you have to drive all the way to the bank, but you also have to beat the traffic and wait long hours just to get an approval. Well, those days are over. We have a better way to get cash assistance that is simple, fast, and convenient. Get the funds you need fast without going through these hassles. Apply online and borrow cash in just minutes.

How It Works?

Simplicity At Its Finest

You don’t have to be a rocket scientist to get started. Simply complete a form online. In just minutes, you will get the results of your application. The application process goes online. You can do it anywhere, anytime, no boundaries.

Quick Payment Process

Need the funds soon? No worries. Once you’re approved, the funds are automatically deposited to your checking account on the same day. No need to wait for days. The entire process can be completed within minutes to an hour.

No Credit Check

Afraid to apply because of your credit? Don’t be. Our lenders don’t do credit checks. Regardless of your credit standing, you are automatically eligible to take advantage of our services. As long as you can pay the loan, you’re good to go.

What is an unsecured loan? Unsecured loans are loans that are approved based on your credibility alone and doesn’t require you to have a collateral. It also referred to as a “Signature Loan” as the only thing that will be needed from you is your signature on the loan papers.

What Is an Unsecured Loan

In order for this kind of loan to be approved, you must have a high credit score, a good track record in paying things on time, and some other factors that your lender look into. In this type of loan, the lenders are at bigger risk – resulting in higher interest rates and will require a higher credit score. Depending on the lender, they might allow you to have a co-signer that will shoulder the payment should you not be able to.

Types of Unsecured Loans

Revolving Loan – The most common example of this type of loan is a credit card. A revolving loan has an amount limit which you can use, repay, and use again.

Consolidation Loan – A consolidation loan is taking out a bigger loan to pay smaller loans, such as paying off your credit cards. Usually having smaller interest rates and longer times.

Term Loan – While usually related to secured loans, there are also unsecured loans of this kind. A term loan requires the borrower to pay in equal installments until the end of its term.

Lenders can and will run a thorough background check on you when getting an Unsecured Loan. All you’re giving them is a promise to pay after-all, except if you have a co-signer.

When you default an unsecured loan, on top of ruining your credit score, a lender can then decide to hire a debt collection agency to collect what you owe. To some extremes, lenders have taken borrowers into court.

Unsecured Personal Loan

When it comes to borrowing, personal loans are such a popular option. While they may be a bit difficult to qualify for, most people love the fact that they tend to be more flexible. The funds, once approved, can be used for just about anything.

There is also the fact that it is possible to take them out unsecured. In fact, most personal loans that lenders cater to are unsecured ones. This is especially true if you happen to have a good credit score. Lenders will be happy to lend you money when they see that your borrowing record is flawless, and you were able to properly manage the loans and other financial responsibility you’ve taken on in the past.  


In order to qualify for a personal loan, most lenders would require you to be a UK resident and to have an active bank account. You’ll need to at least be 18 years old as well. In addition, most lenders would require you to be regularly employed so as to be receiving a regular income that will make it possible for you to pay the loan back.

How to Get Approved

Start by doing what you can to improve your credit score. You will improve your chances at approval if you can show to the lenders a good credit record. This is an unsecured loan you’re taking out and a good credit rating is most effective at convincing them that you’re creditworthy.

Minimize your debts and start paying off some of them as much as you can, you want to lower your debt to income ration and keep it at below 30%. This way, lenders will see that you are not borrowing beyond your means.

Try to space loans applications as well. If you attempted to send out an application, and you got rejected at first, try to wait for a few months before sending out another one. While waiting, try to do what you can to rebuild your score so your chance at approval improves.

Tips for Reducing a Short Term Loan Repayment

If you have multiple debts, getting out of it can be very challenging and it may seem like the only way to get rid of it is to wish for a miracle to happen. But no matter how many loans you have, there are a number of ways that will help you reduce your loan repayments.

Below are some tips on how you can decrease your debts and although some may not work according to your situation, one or more of these techniques can still be useful:

Negotiate With Your Lender

As soon as you know that you will have difficulty repaying your credit card, personal loan, or car loan on time, talk to your lender. It might be a daunting task but it’s worth trying to talk to your lender and ask if they can reduce the interest or at least, give you more time to repay the loan. Whatever the decision is, make sure to have a new agreement in writing before repaying the debt.

Consolidate Your Debts

When you have multiple debts, you’re not only dealing with various interest rates but also, a number of lenders, and that’s where a loan consolidation program comes in handy. Find a loan that will allow you to combine various debts into a single account and make sure that the interest it carries is lower than your current debts. This will allow you to repay your loans, reduce your interest, and deal with a single lender from now on.

Opt For A Credit Counseling

This program will not only help you understand debts further but also, it will let you have access to lower monthly repayments. However, be sure to choose a reputable counselor credit program that can help you reduce your loan payments easily without risking your credit score.

File Bankruptcy

Should anything else fail or when you think your debt is just too much to handle, you can consider filing for bankruptcy. This might affect your credit rating negatively and will stay on your record for years but it might help you save your finances.