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Short-Term Loans

Get a quote in 2 minutes, then decide if you want the loan. If you are unsure if you will be accepted, try our QuickCheck

Loan amount £1000
Over how many months?
79.5% APR Representative

Please keep this box ticked and you could have your loan sent within minutes**


Try QuickCheck to find out your chances of being accepted - 100% no credit footprint!

Try QuickCheck to find out your chances of
being accepted with no impact on your credit footprint!

Digitonomy Limited (trading as Clever-Loans) is a credit broker not a lender. All Applications Subject to affordability, UK residents only

Rates between 11.8% APR and Maximum 1721% APR - your no obligation quote and APR will be based on your personal circumstances - we compare small loans from over 30 lenders to get you the lowest APR possible. If you are not successful in finding a loan we may transfer you directly to alternative firms and services, such as credit builder tools, which may charge you a monthly fee.

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Short Term Loans - Everything you Need to Know

There are a variety of options with regards to loan options in the UK, Clever Loans are able to display short term-loan options from up to 20 FCA regulated lenders. If you ever find yourself in a moment of immediate financial need, finding a short-term loan can provide an ideal solution.

As you consider your options with regards to short terms loans, you will want to find an option that both meets your financial needs and also provides manageable monthly repayments. Whether you encounter a home repair issue, a problem with your car, or any other unexpected financial expense, a reliable short term loan can be a solution.

Through our experienced team at Clever Loans, we offer an online loans broker service that provides immediate quotes for short-term unsecured personal loans. The short term loans quotes we provide are for loans from £100 to £5,000, with our innovative tool searching across up to 40 loan options and 20 direct lenders. We do not offer these loans ourselves, but we ensure that we only work with FCA regulated lenders.

What are the short-term loan lending criteria?

For anyone looking to be accepted for a short term loan, there are a number of straightforward criteria to meet, including:

  • being at least 18 years old
  • being a UK resident
  • having a UK bank account with a valid debit card
  • receiving a regular income – directly into a bank account
  • having valid email and phone number contact details

When you use Clever Loans to find the ideal short term loans quote for your financial requirements, our online loan broker service will search across only FCA authorised and regulated lenders, providing you with a quote from the direct lender who you are matched to using the details you provide in your application.

How can I know if my loan application is accepted?

Once you are provided with your short term loans quote through our online loans broker service, it will then be the lender themselves who performs the relevant further checks.

Should you pass the checks from your direct lender, you will be sent a short term loan agreement for your unsecured personal loan. Should you accept this agreement, your funds could be sent to your bank in minutes**.

What repayment terms should I expect?

You should always be fully aware of your repayment details before accepting any loan agreement. The key details which you should ensure that you are clear on include:

- the monthly repayment amount

- your number of monthly repayments

- the overall total payable

While the key benefit of short term loans is being able to receive your injection of funds quickly, you should ensure that you take the time to look through all of your loan repayment terms to make sure that they can be met.

Example Repayments*

*These are indicative quotes only based on a £1500 loan over 12 months.

Representative example: Amount of credit: £1000 for 12 months at £123.40 per month. Total amount repayable of £1,480.77 Interest: £480.77. Interest rate: 79.5% pa (fixed). 79.5% APR Representative.

Remember: For any short term loan that you take out, you should make sure that your repayment terms are able to be met within your monthly budget. This type of loan agreement is an ideal option to deal with a moment of emergency expense, as long as it is affordable and repayments are made on time. If at any time you are struggling to stick to your monthly repayment terms, you should get in touch with an organisation such as Money Helper for advice and support.

Representative example: Amount of credit: £1000 for 12 months at £123.40 per month. Total amount repayable of £1,480.77 Interest: £480.77. Interest rate: 79.5% pa (fixed). 79.5% APR Representative. We’re a fully regulated and authorised credit broker and not a lender.