Short Term Loans

£100 to £5,000 paid out same day!*

  • Loans Paid Same Day
  • Bad Credit Considered
  • Instant Decisions
  • Borrow up to £5,000

Select how much you'd like to borrow and over how many months below.

Rates from 12.9% APR to 1721% APR. The minimum Loan Term is 1 month. The maximum Loan Term is 36 months. Representative Example: £1,000 borrowed for 18 months. Repayment of 17 Months at £87.22 and final repayment of £87.70 The total amount repayable is £1570.44. Interest amounts to £570.44, an annual interest rate of 59.97%. Representative APR: 79.5% (variable). 

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

WageDayAdvance is a broker, not a lender, and does not make credit decisions. We may receive a commission from the lender.

Lending money doesn’t have to be a long-term experience.

Sometimes, you just need to borrow a little extra cash for a short period of time to deal with an emergency or unexpected expense. When that happens, you’ll find yourself searching for the best short term loans, with the lowest fees.

Here at WageDayAdvance, we know how exhausting it can be searching for loan providers who can give you the terms you need, and the cash that you want. That’s why we’ve partnered with trustworthy lenders across the UK, to help match today’s borrowers to the loan providers that are right for them.

Our partnerships with short term loan providers mean that our system can help you to find the ideal loan solution in no time. Getting a short term loan just got easier.

What is a Short Term Loan?

WageDayAdvance knows that dealing with a loan can be a headache. Often, when you borrow money, you want to pay it off as quickly as possible, so you can get back to following your regular budget. A short term loan can help with that.

You borrow the money you need for a short period of time, and pay it back fast, according to the terms set by your lender. Otherwise known as a payday loan, short-term loans used to be available for people who just wanted to borrow cash until the next time they got paid. However, that’s no longer the only option. Today’s lenders, like the ones we partner with, are much more flexible.

How much would you like to borrow?

Rates from 12.9% APR to 1721% APR. The minimum Loan Term is 1 month. The maximum Loan Term is 36 months. Representative Example: £1,000 borrowed for 18 months. Repayment of 17 Months at £87.22 and final repayment of £87.70 The total amount repayable is £1570.44. Interest amounts to £570.44, an annual interest rate of 59.97%. Representative APR: 79.5% (variable). 

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

WageDayAdvance is a broker, not a lender, and does not make credit decisions. We may receive a commission from the lender.

The reputable lenders that we partner with at WageDayAdvance offer loan options ranging from 3 month terms, to 36 months, so you’re sure to find something that works for you.

You can even get short term loans with our lenders if you don’t have the best credit history. Because we work with a selection of lenders, we can link you to companies that support people in a range of situations, including those with less than perfect credit.

Should You Apply for a Short Term Loan?

The best time to apply for a short-term loan is when you need to borrow money for a short period of time. Rather than spending forever searching for the best loan provider yourself, you can fill out our application form at WageDayAdvance, and let us do the hard work for you.

Instead of having to worry about whether you’ll be accepted for your application, and how many companies you should apply for at once, you can use our automated system to simplify borrowing money for a variety of reasons.

Applying for a short-term loan will give you access to cash to deal with emergency and unexpected situations, without messing up your budget for years to come. With this kind of lending, it’s easy to deal with a sudden financial problem, and get yourself back on track again in no time.

As long as you’re an adult in the UK with a regular income, you should have no problem being approved by one of our fantastic lenders.

Are short term loans suitable for people with bad credit?

Getting a loan can be a real headache when you don’t have the best credit rating.

Unfortunately, at WageDayAdvance, we know how easy it is for your credit report to struggle.

So, can you still get a short term loan with one of our lending partners if your credit isn’t perfect? Absolutely! In fact, a short-term loan might be a better option. These loans:

  • Carry less risk for lenders because you’re not borrowing as much money
  • Allow you to pay off your owed cash fast, and prove yourself to the credit agencies
  • Give you a chance to rebuild your credit score one payment at a time

As FCA regulated companies, all of our lenders will check your credit report before giving you your loan. However, that doesn’t have to be a bad thing. At WageDayAdvance, we conduct a soft check on your file when you fill out an application – one that doesn’t leave a mark on your rating.

By conducting this check, and using a special automated program, we can match you to the lender that’s most likely to accept your application, even if you have bad credit. That means that with WageDayAdvance, you can find the lender that’s right for you faster and reduce your risk of more marks on your credit report too.

Remember, every time you make an application for a short term loan, it leaves another footprint on your name, which can make it harder to get credit in the future. Why not keep your credit report squeaky clean by making sure that you’re matched to the right lender the first time? WageDayAdvance works with a wide range of lenders across the UK, including those who are happy to support people with bad credit.

Is Getting a Short Term Loan Easy?

Applying for any kind of loan used to be a stressful experience for many people. That’s why WageDayAdvance decided to make the whole thing a lot easier. With our automated system, you don’t have to waste time manually searching for the loan provider that suits you. Instead, you get automatically matched to the lender that’s right for you.

We don’t ask you to take part in any long or complicated conversations with financial advisors or arrange a phone call with a member of the team. Instead, you have the freedom to fill out our form from the comfort of your own home. Our form is completely online, so you can fill it out in seconds from your laptop or phone!

Because our system is automated, it’s accurate, reliable, and fast too! We can match you to the lender that’s right for your needs in a matter of minutes. Once you’ve agreed to take your loan from one of our FCA regulated lenders, you can also receive that money in the same day too! Here’s why getting a loan through WageDayAdvance’s brokerage system couldn’t be easier:

  • You can fill out the form online, from your phone or laptop
  • There are no annoying questions or lengthy discussions to worry about
  • Your application feeds into our automated system to find you a lender pronto
  • All of our lenders are FCA approved, so you know that you’re in safe hands
  • You can choose the term and loan amount that suits you, and let us do the rest
  • You’ll have access to your money in no time!
  • You’re not tied to stressful repayments for any longer than you want to be

Frequently asked questions about short term loans

Q: Can I get a short-term loan with bad credit?

Yes, our trustworthy lenders are willing to look beyond your credit score. When you fill out your WageDayAdvance application, we’ll match you to the lender that’s most suitable to your situation. This could include linking you to a provider that specifically supports bad credit loans.

Q: How long do I have to repay my debt?

Payday loans that last less than a month are a thing of the past. Our lenders are happy to agree to terms ranging from 3 months to 36 months. That means that you have full control over how “short” your loan really is.

Q: How much can I borrow?

The amount you can borrow from one of our verified lenders will depend on your application and situation. However, the lenders that we partner with an offer between £100 and £5,000 on many short-term loans.

Q: Will a short term loan harm my credit?

No. Your short-term loan is a chance for you to prove how reliable you are with money, so it could actually improve your credit score. Plus, because we do a soft check to match you to the right lender in advance, we can protect your report from any unnecessary marks from failed applications.

Q: How quickly can I get by loan?

We know that sometimes you need access to extra money fast. That’s why the lenders that we work with are quick and efficient. Filling out our form is quick and simple, and we’ll match you to a lender in minutes. From there, your lender can often get your money into your account within 24 hours.

Q: Can anyone apply?

You will need to be a resident of the UK to apply for a short-term loan, and you also have to be over the age of 18. Your lender may ask to see proof of residence and proof of income before you borrow any money for your short-term loan.

Q: Is it safe to get a short-term loan?

Short-term loans with WageDayAdvance are safe because we hold our lenders to the highest standards. All of the companies that we partner with are regulated by the FCA, which means that they follow the latest rules on payday loans.

Q: Do I need security for a short-term loan?

No, short-term and payday loans are a form of unsecured lending, so you won’t have to offer anything of value as security.

Q: What will a lender need to know?

When we match you to a lender with our brokerage system, you may need to provide additional information about your income and proof of residence. Companies do need to conduct affordability checks to ensure that you can pay your loan back.

What can you use a short term loan for?

Unexpected events happen all the time in our day to day lives, and we don’t always have the cash in our pockets to deal with them. That’s why at WageDayAdvance, we believe it should be easy to get the short-term lending solutions you need fast. We’re not going to ask you any embarrassing questions about what you need the money for, you might use your short-term loan for:

We’ve helped thousands of lenders just like you to get their hands on short-term cash for things like:

  • Emergency repairs: Got a broken boiler or a car that needs to be fixed pronto? Enter your details into the WageDayAdvance system, and we’ll get you a lender fast.
  • Unexpected bills: Unexpected bills can really be a headache when you’re not prepared. A short term loan can help you handle the costs now, before your next payday.
  • Miscellaneous issues: Whether you’re paying for an expensive vet bill or buying a new laptop for your child’s studies, our lending partners can help.
  • Last minute costs: Are you suddenly dealing with the cost of a moving van, or paying for a flat tire before payday arrives? Short-term loans can help.
  • Bad credit lending: Short term loans aren’t as risky for the lender as most traditional lending options, so they can be a useful option when you wouldn’t be approved for other loans.

Because we get rid of all the annoying extras that make applying for a short-term loan a struggle, you can get the money you need for any reason faster, and more efficiently.

Why Use WDA?
How much do you offer?
£100 - £5,000
Quick application.
Over how long?
1 - 36 months
Flexible repayments.
Bad credit accepted?
Welcome to apply
We cater for all.
How do I get a loan?
Apply Online
Secure application.
Representative APR
49.7% (variable)
No obligation quote.

We Can Help

A loan doesn’t have to be something that hangs over you for months at a time. Sometimes, all you need is a short-term solution to a temporary problem. At WageDayAdvance, we believe in giving people the flexible support they need when it comes to managing their finances. That’s why we’ve worked hard to build the perfect partnerships with some of the best lenders in the UK.

By only working with the most respectable lenders that the country has to offer, we can reassure our clients that they have the safety and flexibility they need to pay for unexpected bills. You can choose the amount you want to borrow, and pick a flexible term that suits you, then our automated system will do the hard work of finding the right lender on your behalf.