Find cheap short term loans in minutes when you compare the best short term loan rates currently available from UK lenders side by side in our at-a-glance short loan comparison. We compare the lowest interest rates on offer from each of the best short term loans lenders online so that it's quick and easy for you to find the cheapest deal.

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Loan | Representative APR | For Loan Amounts | Term | ||||||||||||||||||||||||||||||||||||||||||||||

Minimum | Maximum | Minimum | Maximum | ||||||||||||||||||||||||||||||||||||||||||||||

Promoted Results | |||||||||||||||||||||||||||||||||||||||||||||||||

Clydesdale Bank Personal Loan | £1,000 | £25,000 | 4.4% | £7,500 to £15,000 | 1 year | 7 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 4.4% (fixed) so if you borrow £10,000 over 4 years at a rate of 4.4% p.a. (fixed) you will repay £227.20 per month & £10,905.60 in total. Apply online and get an instant decision. Any purpose loans. You can repay your loan in full and part at any time and they'll reduce the total credit payable under the agreement. | |||||||||||||||||||||||||||||||||||||||||||||||||

Yorkshire Bank Personal Loan | £1,000 | £25,000 | 4.4% | £7,500 to £15,000 | 1 year | 7 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 4.4% (fixed) so if you borrow £10,000 over 4 years at a rate of 4.4% p.a. (fixed) you will repay £227.20 per month & £10,905.60 in total. | |||||||||||||||||||||||||||||||||||||||||||||||||

Tesco Bank Personal Loan | £3,000 | £25,000 | 4.5% | £7,500 to £15,000 | 1 year | 10 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 4.5% (fixed) so if you borrow £10,000 over 4 years at a rate of 4.5% p.a. (fixed) you will repay £227.62 per month & £10,925.76 in total. | |||||||||||||||||||||||||||||||||||||||||||||||||

Santander Internet Loan | £1,000 | £20,000 | 4.5% | £7,500 to £15,000 | 1 year | 5 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 4.5% (fixed) so if you borrow £10,000 over 4 years at a rate of 4.5% p.a. (fixed) you will repay £227.63 per month & £10,926.24 in total. | |||||||||||||||||||||||||||||||||||||||||||||||||

Derbyshire Building Society Personal Loan | £5,000 | £20,000 | 4.6% | £7,500 to £15,000 | 1 year | 5 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 4.6% (fixed) so if you borrow £10,000 over 4 years at a rate of 4.6% p.a. (fixed) you will repay £228.06 per month & £10,946.88 in total. For a limited time, get 4.6% APR Representative for loans between £7,500 and £15,000. | |||||||||||||||||||||||||||||||||||||||||||||||||

M&S Bank Personal Loan (New Customers) | £1,000 | £25,000 | 4.8% | £7,500 to £15,000 | 1 year | 7 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 4.8% (fixed) so if you borrow £10,000 over 4 years at a rate of 4.8% p.a. (fixed) you will repay £228.93 per month & £10,988.64 in total. To apply for an M&S Personal Loan you have to be a UK resident aged 30 or over or a homeowner. To apply for an M&S Loan, you must have an annual income of at least £10,000 and be aged 30 or over, or a homeowner aged 18 or over. | |||||||||||||||||||||||||||||||||||||||||||||||||

RBS Internet Loan (Existing Customers) | £1,000 | £25,000 | 4.9% | £7,500 to £14,950 | 1 year | 7 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 4.9% (fixed) so if you borrow £10,000 over 4 years at a rate of 4.9% p.a. (fixed) you will repay £229.36 per month & £11,009.28 in total. Available to existing customers only. If you choose to repay your loan early, an early redemption charge of up to 58 days' interest will apply. Other loan amounts are available at alternative rates. Rates depend on circumstances and loan amount. | |||||||||||||||||||||||||||||||||||||||||||||||||

Nationwide Personal Loan | £7,500 | £25,000 | 6.2% | £7,500 to £14,999 | 1 year | 5 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The representative APR is 6.2% (fixed) so if you borrow £11,000 over 51 months at a rate of 6.2% p.a. (fixed) you will repay £245.04 per month & £12,497.04 in total. | |||||||||||||||||||||||||||||||||||||||||||||||||

NatWest Personal Loan | £1,000 | £25,000 | 6.4% | £7,500 to £14,950 | 1 year | 7 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 6.4% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.4% p.a. (fixed) you will repay £235.77 per month & £11,316.96 in total. Available to existing customers only. If you choose to repay your loan early, an early redemption charge of up to 58 days' interest will apply. Other loan amounts are available at alternative rates. Rates depend on circumstances and loan amount. | |||||||||||||||||||||||||||||||||||||||||||||||||

RateSetter 1 Year Loan | £1,000 | £25,000 | 6.7% | £5,000 to £14,999 | 1 year | 23 months | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 6.7% (fixed) at a rate of 6.7% p.a. (fixed)Arrangement fee £115.75. Quick and simple online process, approval within 24 hours. No early repayment charges and all fees are included in the APR. Need good credit history. | |||||||||||||||||||||||||||||||||||||||||||||||||

Moneyway Plus Loan | £3,000 | £15,000 | 7.5% | £7,001 to £15,000 | 1 year | 5 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 7.9% so if you borrow £7,000 over 3 years at a rate of 7.9% p.a. (fixed) you will repay £218.15 per month & £7,853.40 in total. | |||||||||||||||||||||||||||||||||||||||||||||||||

Norton Finance Secured loan from one of the UK's oldest lenders | £10,000 | £30,000 | 14.5% variable | --- | 1 year | 20 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 14.5% (variable) so if you borrow £20000 over 10 years at a rate of 10.9% p.a. (variable) you will repay £305.87 per month & total amount payable £36,704.40. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||||||||||||||||||||||||||||||||||||||||||

Clearly Loans EXCLUSIVE secured loan product to money.co.uk | £5,000 | £50,000 | 15.05% variable | --- | 1 year | 20 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 15.05% (variable) so if you borrow £15000 over 10 years at a rate of 10.9% p.a. (variable) you will repay £233.83 per month & total amount payable £28,059.84. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||||||||||||||||||||||||||||||||||||||||||

Clearly Loans EXCLUSIVE mild adverse secured loan | £5,000 | £50,000 | 15.78% variable | --- | 1 year | 20 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 15.78% (variable) so if you borrow £15000 over 10 years at a rate of 11.5% p.a. (variable) you will repay £239.64 per month & total amount payable £28,757.90. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||||||||||||||||||||||||||||||||||||||||||

Clearly Loans EXCLUSIVE available in Northern Ireland | £7,500 | £50,000 | 17.4% variable | --- | 1 year | 20 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 17.4% (variable) so if you borrow £30000 over 15 years at a rate of 13.9% p.a. (variable) you will repay £443.22 per month & total amount payable £79,779.60. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||||||||||||||||||||||||||||||||||||||||||

Norton Finance Secured loan from one of the UK's oldest lenders | £3,000 | £30,000 | 18.1% variable | --- | 1 year | 20 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 18.1% (variable) so if you borrow £15000 over 10 years at a rate of 13.9% p.a. (variable) you will repay £258.64 per month & total amount payable £31,036.80. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||||||||||||||||||||||||||||||||||||||||||

Clearly Loans EXCLUSIVE near prime secured loan to money.co.uk | £5,000 | £30,000 | 18.87% variable | --- | 1 year | 20 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 18.87% (variable) so if you borrow £15000 over 10 years at a rate of 14% p.a. (variable) you will repay £264.65 per month & total amount payable £31,758.42. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||||||||||||||||||||||||||||||||||||||||||

Moneyway Personal Loan | £1,000 | £15,000 | 18.9% | £12,001 to £15,000 | 1 year | 5 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 24.9% so if you borrow £5,000 over 4 years at a rate of 22.46% p.a. (fixed) you will repay £158.73 per month & £7,619.04 in total. | |||||||||||||||||||||||||||||||||||||||||||||||||

Norton Finance Secured loan from one of the UK's oldest lenders | £3,000 | £30,000 | 19.4% variable | --- | 1 year | 20 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 19.4% (variable) so if you borrow £15000 over 10 years at a rate of 14.9% p.a. (variable) you will repay £268.85 per month & total amount payable £32,262.00. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||||||||||||||||||||||||||||||||||||||||||

Clearly Loans EXCLUSIVE secured loan product to money.co.uk | £5,000 | £50,000 | 19.82% variable | --- | 1 year | 20 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 19.82% (variable) so if you borrow £10000 over 5 years at a rate of 11.9% p.a. (variable) you will repay £255.12 per month & total amount payable £15,307.15. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||||||||||||||||||||||||||||||||||||||||||

Clearly Loans EXCLUSIVE near prime secured loan to money.co.uk | £5,000 | £30,000 | 20.14% variable | --- | 1 year | 20 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 20.14% (variable) so if you borrow £15000 over 10 years at a rate of 15% p.a. (variable) you will repay £275 per month & total amount payable £32,998.74. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||||||||||||||||||||||||||||||||||||||||||

Clearly Loans EXCLUSIVE mild adverse secured loan | £5,000 | £50,000 | 20.57% variable | --- | 1 year | 20 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 20.57% (variable) so if you borrow £10000 over 5 years at a rate of 12.5% p.a. (variable) you will repay £258.61 per month & total amount payable £15,516.91. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||||||||||||||||||||||||||||||||||||||||||

Norton Finance Secured loan for those with adverse credit | £3,000 | £30,000 | 20.6% variable | --- | 1 year | 20 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 20.6% (variable) so if you borrow £15000 over 10 years at a rate of 15.9% p.a. (variable) you will repay £279.12 per month & total amount payable £33,494.40. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||||||||||||||||||||||||||||||||||||||||||

Clearly Loans EXCLUSIVE available in Northern Ireland | £7,500 | £50,000 | 20.9% variable | --- | 1 year | 20 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 20.9% (variable) so if you borrow £20000 over 10 years at a rate of 15.9% p.a. (variable) you will repay £374.67 per month & total amount payable £44,960.40. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||||||||||||||||||||||||||||||||||||||||||

Norton Finance Secured loan for those with adverse credit | £3,000 | £30,000 | 24.7% variable | --- | 1 year | 20 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 24.7% (variable) so if you borrow £10000 over 5 years at a rate of 16.9% p.a. (variable) you will repay £277.6 per month & total amount payable £16,656.00. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||||||||||||||||||||||||||||||||||||||||||

Clearly Loans EXCLUSIVE high LTV secured loan | £5,000 | £30,000 | 26.96% variable | --- | 1 year | 20 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 26.96% (variable) so if you borrow £7500 over 5 years at a rate of 16.9% p.a. (variable) you will repay £216.25 per month & total amount payable £12,974.61. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||||||||||||||||||||||||||||||||||||||||||

Clearly Loans EXCLUSIVE mild adverse secured loan | £5,000 | £30,000 | 28.44% variable | --- | 1 year | 20 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 28.44% (variable) so if you borrow £7500 over 5 years at a rate of 18% p.a. (variable) you will repay £221.43 per month & total amount payable £13,285.87. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||||||||||||||||||||||||||||||||||||||||||

GuarantorUs Loans Unsecured Guarantor Loan | £1,000 | £5,000 | 45.0% | £1,000 to £5,000 | 1 year | 5 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The representative APR is 45.0% (variable) so if you borrow £5,000 over 2 years at a rate of 37.77% p.a. (variable) you will repay £299.96 per month & £7,198.98 in total. GuarantorUs offer the best value guarantor loan in the UK. Find a guarantor and receive up to £5,000 the same day. No fees ever. | |||||||||||||||||||||||||||||||||||||||||||||||||

UK Credit Ltd Guarantor Loan | £1,000 | £7,500 | 47.9% | £1,000 to £7,500 | 1 year | 5 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: £3,000 over 3 years, Annual interest rate 39.8% fixed, monthly payment £143.98. Interest payable £2,183.28. Total repayable £5,183.28. Representative 47.9% APR fixed. UK Credit is a specialist, no fee guarantor loan provider. All bad credit considered. Please only apply if you have a homeowner guarantor to support your application. | |||||||||||||||||||||||||||||||||||||||||||||||||

1Plus1 Loans 1Plus1 Loan | £500 | £5,000 | 49.7% | £500 to £5,000 | 1 year | 5 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 49.7% (fixed) so if you borrow £2,000 over 2 years at a rate of 49.7% p.a. (fixed) you will repay £123.49 per month & £2,963.76 in total. Arrangement fee £50. A 10% broker fee will be included within your monthly repayments. | |||||||||||||||||||||||||||||||||||||||||||||||||

Amigo Loans Ltd Guarantor Loan | £500 | £5,000 | 49.9% | £500 to £5,000 | 1 year | 5 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 49.9% (variable) so if you borrow £5,000 over 2 years at a rate of 41.16% p.a. you will repay £309.08 per month & £7,417.92 in total. Struggling to get a loan even though you know can afford to pay it back? Amigo can lend you up to £5000 as long as you've got someone willing to back you up. | |||||||||||||||||||||||||||||||||||||||||||||||||

UK Trust Loans Guarantor Loan | £1,500 | £3,000 | 49.9% | £1,500 to £3,000 | 1 year | 3 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The representative APR is 49.9% (variable) so if you borrow £1,500 over 2 years at a rate of 41.16% p.a. (fixed) you will repay £92.74 per month & £2,225.76 in total. | |||||||||||||||||||||||||||||||||||||||||||||||||

1st Stop Guarantor Loan | £500 | £5,000 | 52.6% | £500 to £5,000 | 1 year | 5 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The representative APR is 52.64% so if you borrow £3,500 over 3 years at a rate of 52.64% p.a. (fixed) you will repay £174.92 per month & £6,297.12 in total. | |||||||||||||||||||||||||||||||||||||||||||||||||

Aspire Money Personal Loan | £500 | £7,500 | 58.5% | £500 to £7,500 | 1 year | 7 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: Representative 58.5% APR.
Borrow £5,000 and pay £297.34 a month for 36 months. The interest payable is £5,704.24. The total repayable is £10,704.24. Aspire Money offer a loan brokering service with no upfront fees and have loans available that don\'t require a guarantor. Please only apply if you are aged 18 to 65, employed or self employed with a income of more than £800 a month. | |||||||||||||||||||||||||||||||||||||||||||||||||

UK Credit Ltd Tenant Guarantor Loan | £1,000 | £3,000 | 69.9% | £1,000 to £3,000 | 1 year | 3 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: £2,000 over 2 years, Annual interest rate 45.84% fixed, monthly payment £113.47. Interest payable £2,084.92. Total repayable £4,084.92. Representative 69.9% APR fixed. Get a guarantor loan today using a TENANT AS YOUR GUARANTOR. All bad credit is considered. Ideal for consolidating more expensive credit. No fees. Fixed rates. | |||||||||||||||||||||||||||||||||||||||||||||||||

Evolution Money Unlimited equity loan up to £3,000 | £1,000 | £3,000 | 82.5% variable | --- | 1 year | 3 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 82.5% (variable) so if you borrow £2000 over 2 years at a rate of 51.1% p.a. (variable) you will repay £146.96 per month & total amount payable £3,527.04. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||||||||||||||||||||||||||||||||||||||||||

118 118 Money Loan | £1,000 | £5,000 | 99.9% | £1,000 to £5,000 | 1 year | 2 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 99.9% so if you borrow £2,000 over 2 years at a rate of 71% p.a. (fixed) you will repay £158.13 per month & £3,795.12 in total. | |||||||||||||||||||||||||||||||||||||||||||||||||

Ladder Loans Loan | £500 | £1,500 | 299.0% | £500 to £1,500 | 6 months | 18 months | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 299% so if you borrow £1,000 over 12 months at a rate of 147% p.a. (fixed) you will repay £163.10 per month & £1,957.20 in total. | |||||||||||||||||||||||||||||||||||||||||||||||||

Pounds to Pocket Personal Loan | £200 | £2,000 | 399.0% | £200 to £2,000 | 1 year | 1 year | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 399% so if you borrow £500 over 1 year at a rate of 172% you will repay £98.54 per month and £1182.50 in total. | |||||||||||||||||||||||||||||||||||||||||||||||||

Provident Personal Credit Cash Loan | £100 | £500 | 399.7% | £100 to £500 | 6 months | 1 year | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: Representative 399.7% APR. Borrow £200 and pay £10 per week for 32 weeks at a fixed interest rate of 97.5% per year. The Total Repayable is £320. | |||||||||||||||||||||||||||||||||||||||||||||||||

EZBOB Business Loan | £500 | £50,000 | --- | --- | 1 month | 1 year | |||||||||||||||||||||||||||||||||||||||||||

One hour funding, apply online, zero paperwork. Up to £50,000. | |||||||||||||||||||||||||||||||||||||||||||||||||

Funding Circle Business Loan | £5,000 | £1,000,000 | --- | --- | 6 months | 5 years | |||||||||||||||||||||||||||||||||||||||||||

Applicants must have 2 years+ of filed accounts with Companies House and have a minimum turnover of £100k. UK's biggest peer-to-peer business lender. 10% of all eligible loans funded by UK Government. Established businesses only. | |||||||||||||||||||||||||||||||||||||||||||||||||

Boost Capital Business Loan | £3,000 | £500,000 | --- | --- | 4 months | 1 year | |||||||||||||||||||||||||||||||||||||||||||

Fast, Flexible Business Loans and Business Cash Advance to Help Your Business Grow. | |||||||||||||||||||||||||||||||||||||||||||||||||

Merchant Money Business Loan | £1,000 | £50,000 | --- | --- | 1 month | 2 years | |||||||||||||||||||||||||||||||||||||||||||

Available for Ltd companies only. | |||||||||||||||||||||||||||||||||||||||||||||||||

Ashley Business Cash Cash Advance | £3,500 | £100,000 | --- | --- | 6 months | 1 year | |||||||||||||||||||||||||||||||||||||||||||

Adverse credit accepted, must have been trading 12 months, minimum 12 months sales history required, must have 1 year remaining on lease. UK citizens only. | |||||||||||||||||||||||||||||||||||||||||||||||||

Everline.com Business Loan | £3,000 | £50,000 | --- | --- | 1 week | 1 year | |||||||||||||||||||||||||||||||||||||||||||

Over 18 and UK resident. Trading for minimum of 2 years. Maximum £50k loan for limited companies (£10k for sole traders). Loans are subject to approval. T&Cs apply. | |||||||||||||||||||||||||||||||||||||||||||||||||

RateSetter Business Loan | £1,000 | £25,000 | --- | --- | 1 year | 5 years | |||||||||||||||||||||||||||||||||||||||||||

Full Results | |||||||||||||||||||||||||||||||||||||||||||||||||

Clydesdale Bank Personal Loan | £1,000 | £25,000 | 4.4% | £7,500 to £15,000 | 1 year | 7 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 4.4% (fixed) so if you borrow £10,000 over 4 years at a rate of 4.4% p.a. (fixed) you will repay £227.20 per month & £10,905.60 in total. Apply online and get an instant decision. Any purpose loans. You can repay your loan in full and part at any time and they'll reduce the total credit payable under the agreement. | |||||||||||||||||||||||||||||||||||||||||||||||||

Yorkshire Bank Personal Loan | £1,000 | £25,000 | 4.4% | £7,500 to £15,000 | 1 year | 7 years | |||||||||||||||||||||||||||||||||||||||||||

Clydesdale Bank Personal Loan (Ex/C) | £1,000 | £25,000 | 4.4% | £7,500 to £15,000 | 1 year | 7 years | |||||||||||||||||||||||||||||||||||||||||||

Sainsbury's Bank Standard Medium Loan (1-3 Yrs) | £7,500 | £15,000 | 4.4% | £7,500 to £15,000 | 1 year | 3 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 4.4% (fixed) so if you borrow £10,000 over 2 years at a rate of 4.4% p.a. (fixed) you will repay £435.65 per month & £10,455.60 in total. | |||||||||||||||||||||||||||||||||||||||||||||||||

Yorkshire Bank Personal Loan (Ex/C) | £1,000 | £25,000 | 4.4% | £7,500 to £15,000 | 1 year | 7 years | |||||||||||||||||||||||||||||||||||||||||||

Available to existing customers only. | |||||||||||||||||||||||||||||||||||||||||||||||||

Tesco Bank Personal Loan | £3,000 | £25,000 | 4.5% | £7,500 to £15,000 | 1 year | 10 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 4.5% (fixed) so if you borrow £10,000 over 4 years at a rate of 4.5% p.a. (fixed) you will repay £227.62 per month & £10,925.76 in total. | |||||||||||||||||||||||||||||||||||||||||||||||||

Santander Internet Loan | £1,000 | £20,000 | 4.5% | £7,500 to £15,000 | 1 year | 5 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 4.5% (fixed) so if you borrow £10,000 over 4 years at a rate of 4.5% p.a. (fixed) you will repay £227.63 per month & £10,926.24 in total. | |||||||||||||||||||||||||||||||||||||||||||||||||

Santander Branch Loan (123 Customers) | £1,000 | £20,000 | 4.5% | £7,500 to £20,000 | 1 year | 5 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 4.5% (fixed) so if you borrow £10,000 over 4 years at a rate of 4.5% p.a. (fixed) you will repay £227.63 per month & £10,926.24 in total. Available to existing customers only. | |||||||||||||||||||||||||||||||||||||||||||||||||

Santander Branch Loan (Standard) | £1,000 | £20,000 | 4.5% | £7,500 to £15,000 | 1 year | 5 years | |||||||||||||||||||||||||||||||||||||||||||

Santander Telephone Loan (123 Customers) | £1,000 | £20,000 | 4.5% | £7,500 to £20,000 | 1 year | 5 years | |||||||||||||||||||||||||||||||||||||||||||

Available to existing customers only. | |||||||||||||||||||||||||||||||||||||||||||||||||

Santander Telephone Loan (Standard) | £1,000 | £20,000 | 4.5% | £7,500 to £15,000 | 1 year | 5 years | |||||||||||||||||||||||||||||||||||||||||||

Santander Select Loan (Select Customers) | £1,000 | £25,000 | 4.5% | £7,500 to £25,000 | 1 year | 5 years | |||||||||||||||||||||||||||||||||||||||||||

Available to existing customers only. | |||||||||||||||||||||||||||||||||||||||||||||||||

Derbyshire Building Society Personal Loan | £5,000 | £20,000 | 4.6% | £7,500 to £15,000 | 1 year | 5 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 4.6% (fixed) so if you borrow £10,000 over 4 years at a rate of 4.6% p.a. (fixed) you will repay £228.06 per month & £10,946.88 in total. For a limited time, get 4.6% APR Representative for loans between £7,500 and £15,000. | |||||||||||||||||||||||||||||||||||||||||||||||||

M&S Bank Personal Loan (Existing Customers) | £1,000 | £25,000 | 4.7% | £7,500 to £15,000 | 1 year | 7 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 4.7% (fixed) so if you borrow £10,000 over 4 years at a rate of 4.7% p.a. (fixed) you will repay £228.49 per month & £10,967.52 in total. Available to existing customers only. To apply for an M&S Loan, you must have an annual income of at least £10,000 and be aged 30 or over, or a homeowner aged 18 or over. | |||||||||||||||||||||||||||||||||||||||||||||||||

First Direct Personal Loan | £1,000 | £25,000 | 4.7% | £7,000 to £15,000 | 1 year | 7 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 4.7% (fixed) so if you borrow £10,000 over 4 years at a rate of 4.7% p.a. (fixed) you will repay £228.67 per month & £10,976.16 in total. Available to existing customers only. | |||||||||||||||||||||||||||||||||||||||||||||||||

M&S Bank Car Loan (Existing Customers) | £2,500 | £25,000 | 4.7% | £7,500 to £15,000 | 1 year | 5 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 4.7% (fixed) at a rate of 4.7% p.a. (fixed) Available to existing customers only. | |||||||||||||||||||||||||||||||||||||||||||||||||

Sainsbury's Bank Shopper Reward Med Loan (1-3 Yrs) | £7,500 | £15,000 | 4.7% | £7,500 to £15,000 | 1 year | 3 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 4.7% (fixed) so if you borrow £10,000 over 2 years at a rate of 4.7% p.a. (fixed) you will repay £436.93 per month & £10,486.32 in total. Available to existing customers only. | |||||||||||||||||||||||||||||||||||||||||||||||||

M&S Bank Personal Loan (New Customers) | £1,000 | £25,000 | 4.8% | £7,500 to £15,000 | 1 year | 7 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 4.8% (fixed) so if you borrow £10,000 over 4 years at a rate of 4.8% p.a. (fixed) you will repay £228.93 per month & £10,988.64 in total. To apply for an M&S Personal Loan you have to be a UK resident aged 30 or over or a homeowner. To apply for an M&S Loan, you must have an annual income of at least £10,000 and be aged 30 or over, or a homeowner aged 18 or over. | |||||||||||||||||||||||||||||||||||||||||||||||||

HSBC Personal Loan | £7,000 | £15,000 | 4.8% | £7,000 to £15,000 | 1 year | 5 years | |||||||||||||||||||||||||||||||||||||||||||

Representative Example: The Representative APR is 4.8% (fixed) so if you borrow £10,000 over 4 years at a rate of 4.8% p.a. (fixed) you will repay £228.93 per month & £10,988.64 in total. Available to existing customers only. | |||||||||||||||||||||||||||||||||||||||||||||||||

HSBC Premier Loan | £1,000 | £25,000 | 4.8% | £7,000 to £25,000 | 1 year | 8 years | |||||||||||||||||||||||||||||||||||||||||||

Available to existing customers only. | |||||||||||||||||||||||||||||||||||||||||||||||||

Next Page |

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Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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You may want to compare the above loans with the following.

- Benefit from a maximum arrangement fee of £0.
- This loan offers an arrangement fee (£) of £0.
- 0 mth deferred start is offered with this loan.
- Get minimum loan of £2,000.
- Get minimum loan duration of 1 year.
- Representative APR of 5.5 percent is available.
**Representative Example: The Representative APR is 5.5% (fixed) so if you borrow £10,000 over 4 years at a rate of 5.5% p.a. (fixed) you will repay £231.95 per month & £11,133.60 in total.**

- Deferred start of 0 month is offered.
- This loan offers 5 years maximum loan term.
- 30 days first payment due is available with Car Loan (New Customers).
- Minimum loan term of 1 year is available with this loan.
- Customers will get £7,500 to £15,000 representative loan amount.
- Arrangement fee (£) of £0.
**Representative Example: The Representative APR is 4.8% (fixed) so if you borrow £10,000 over 4 years at a rate of 4.8% p.a. (fixed) you will repay £228.92 per month & £10,988.16 in total.**

- A 6.6% representative APR is offered.
- A 0 percent arrangement fee (%) is offered.
- Sainsbury's Bank offers representative APR of 6.6%.
- Get a minimum loan term of 4 yrs from the Standard Large Loan (4-5 Yrs).
- Sainsbury's Bank offers maximum loan of £25,000.
**Representative Example: The Representative APR is 6.6% (fixed) so if you borrow £20,000 over 5 years at a rate of 6.6% p.a. (fixed) you will repay £390.47 per month & £23,428.20 in total.**

- This loan gives a maximum loan term of 5 yrs.
- Metro Bank offers minimum loan of £2,000.
- Metro Bank offers arrangement fee (%) of 0%.
- Get maximum loan of £25,000.
**Representative Example: The Representative APR is 7.9% (fixed) so if you borrow £2,000 over 2 years at a rate of 7.9% p.a. (fixed) you will repay £90.12 per month & £2,162.88 in total.**

- You will benefit from representative APR of 4.4 percent.
- This Sainsbury's Bank loan has a minimum loan of £7,500.
- You get first payment due of 30 days.
- Enjoy a minimum arrangement fee of £0.
**Representative Example: The Representative APR is 4.4% (fixed) so if you borrow £10,000 over 2 years at a rate of 4.4% p.a. (fixed) you will repay £435.65 per month & £10,455.60 in total.**

- Representative APR of 11.2%.
- This loan gives a 0 mth deferred start.
- Customers get £25,000 max loan from this loan.
- The loan has £4,000 to £4,999 representative loan amount.
**Representative Example: The Representative APR is 11.7% (fixed) at a rate of 11.7% p.a. (fixed)Arrangement fee £128.35.**

If you need access to extra cash but know you’ll shortly have the means to pay it back, a short term loan might be just what you need.

Secured loans are often the cheapest because you use the equity you have in your home as collateral, reassuring for the lender; but most short loans tend to be unsecured as they are not held for long.

This means it’s even more vital that you shop around to find the best deal and the best value. Before you start looking, consider the following points to help you search for exactly what you need.

## Calculate how much you need to borrow

How much you choose to borrow will determine the range of loans available and their interest rates. If it’s a smaller amount, you might find that the rates are higher with the high street banks, so make sure you shop around and look into short term loans online. The more you borrow, the more interest you’ll need to pay back, so try to work out exactly how much you need.

## Investigate any fees on short term bank loans

Any fees the lender applies to your loan application should always be considered as part of the overall cost. Particularly for smaller, short term loans, fees can form a substantial part of your overall outlay, so keep an eye out for these, including set up charges and early repayment penalties.

## Beware the eligibility criteria

Your credit rating will be an important factor when lenders decide whether to give you short term unsecured loans or not. If you apply for lots of credit in a short period and are turned down, you’ll look too eager, so it’s best to only apply for loans that you have a decent chance of being offered.

Read our article explaining How to check your credit report, as doing this should give you an idea of how easily you’ll find a company willing to lend to you, and also check the eligibility requirements per loan to make sure you meet their terms and conditions:

## Choose a fixed or flexible loan

The advantage of a flexible loan is that you can repay the loan early, if that suits you better – this can be especially useful if you’ve just borrowed the money to tide you over until an expected windfall arrives. Our guide How to find the best flexible loans looks at the pros and cons.

A fixed loan will most likely charge a fee if you want to pay the loan off early but will often offer lower rates. The lower rates of a fixed loan will be less of a draw if you’re likely to want to make overpayments. A flexible loan will charge a higher rate, but if you’re able to pay the loan off quicker, you’ll pay less in interest overall. Compare both options to see which is cheaper, as the overpayment charges on a fixed loan might be small enough that it still works out as the better option.

## Decide on your loan term

If the loan is just a short term one to keep you going until you receive some funds your waiting for, this will govern the period you pay it off over, so try to find a term that matches when you want to pay it back.

If you want to pay it off in instalments with your regular income, a longer term will keep your monthly payments lower. But paying it off quicker will reduce the total amount of interest you pay, so try to go for the shortest term you can while making sure you’re able to comfortably make the monthly payments.

## Find the best interest rates

The interest rate on your loan will make a big difference to your repayment amount, so searching for the best rate you can find is important. If you choose a variable loan, the interest rate could go up or down, so your monthly payments may potentially increase. Fixed rate loans allow you to pay the same amount each month, which makes it easier to budget.

The Annual Percentage Rate (APR) is the interest rate the loan is advertised at. It isn’t guaranteed that this is the precise one you’ll get, as they’ll charge higher rates for lenders they see as being riskier, but the APR will give you a way of comparing your loan options.

## Compare short term loan lenders

Once you’ve worked out what kind of loan you’re looking for, compare the deals out there using our short term personal loan comparison to look at your options side by side and find the lowest interest rates.