Online Loan Service

Enter your details and we will search the market and find loan options that could suit your needs.

  • Choose a loan that suits you
  • Access fantastic deals from lenders
  • We keep your details safe

From Personal Loans to Logbook Loans to Doorstep Loans, we have a vast range of options available, even if you have bad credit.

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Short Term Loans

Traditionally, both personal and secured loans have been aimed at borrowers repaying the money over periods from 1 to 25 years, depending on loan size and affordability. However, the last few years have seen in explosion in the availability of short term loans with repayment periods of less than 12 months, and in many cases as little as 30 days.

This type of loan can be handy to fill in short term gaps in your finances. If your car breaks down, or perhaps you need to carry out some small home improvements, a short term loan could be the ideal solution.

We work with lenders across the market to find you a short term loan that will suit your needs. Whether that is the best rate, the simplest application, or the quickest payout.

446.9% APR Representative (fixed)

Excellent Service

From initial call to passing me over to a suitable lender to payout all within 24 hours. Amazing service.

David

Guarantor Loan Customer

Great communication

I recommend Talk Loans. Always someone to talk to you the end of the phone and great communication.

Natasha

Guarantor Loan Customer

Talk Loans is rated 9.5 out of 10 by TrustPilot based on 48 unfiltered customer reviews.

If you are looking for a Short Term Loan you have come to the right place. We have a fantastic panel of lenders for you to apply with today. You can compare all of your short term loan options using our comparison table before applying. Our panel of lenders are very flexible:

  • You can still get a loan if you have been turned down elsewhere
  • You can get your loan paid out today

Check out your options today.

Short Term Loans Icon

Compare Short Term Lenders

UK Credit

Representative APR

1557.7%

About PHC:

  • Borrow from £100 to £1,000.
  • 13 weeks to 52 weeks term.
  • Flexible door step lender.

Representative Example: £270 loan over 26 weeks. 26 payments of £16.20 per week. Rate of interest 112% p.a. fixed. Representative 535.3% APR. Total amount payable £421.20.

UK Credit

Representative APR

1270%

About Piggy Bank:

  • Borrow from £150 to £400.
  • 2 months to 5 months term.
  • Fast online application.

Representative Example: Amount of credit £200 for 2 months. Total amount payable £273.58 (60 days). Interest rate 292% (fixed). Interest £73.58.

UK Credit

Representative APR

989.9%

About Loans2go:

  • Borrow from £250 to £500.
  • Existing customers up to £5k.
  • Online and in branch.

Representative Example: If you borrow £600 over 18 months at a flat rate of 205.2% per annum (fixed) with a representative 989.9% APR. You will make 17 monthly payments of £135.93 and 1 payment of £135.99, repaying £2,446.80 in total.

UK Credit

Representative APR

991%

About Satsuma:

  • Borrow from £100 to £1,000.
  • 3 months to 12 months term.
  • Online decision.

Representative Example: £400 loan repayable over 6 months. 6 monthly payments of £126.40. Rate of interest 179% p.a. fixed. Representative 991% APR. Total amount payable is £758.40.

Same Day Short Term Loans

A big plus for customers in the short term lending market is that they can access funds usually within the day and often within hours subject to approval. Lenders have employed emerging technologies to change the lending beyond recognition in just a few years, with borrowers being able to apply from their mobile phone, sign loan agreements online and access their lenders 24 hours a day.

The downside to such quick availability of credit is that it does not impose on the borrower time to stop and think whether the loan is really the right solution for them. So make sure you think very carefully about your need to borrow before you start the process.

Flexible Short Term Loans

This is one of the areas where short term loans score highly with customers. Short term lending tends to offer the customer a flexible avenue for covering short term borrowing needs. Once the lenders are happy that a loan is affordable and suitable they often give borrowers a high degree of choice and flexibility over the use of the facility. Often with the ability to amend the loan amount and loan term after an “approved in principle” decision, before finalising the application.

Loan Size

The amount you can borrow using short term lenders tends to be at the lower end of the scale, usually less than a £1,000 and more commonly just a few hundred pounds, particularly for first time customers.

The features outlined above, speed & flexibility, lend themselves much more readily to smaller loan amounts. However, there is one type of short term lending that can offer significantly higher loan amounts – logbook lending.

The lender effectively secures the loan against the value of the car – so if you’re lucky enough to own a car worth £50,000 you could get a logbook loan for £25,000. Those levels aren’t common but they do happen if borrowers find they need a loan to fix a cash flow problem for just a few weeks or even days.

Short Term Loans Can Get Expensive

This is the area where short term lending tends attract most of its critics as short term loans are usually expensive.

The argument from the lenders is that in lending a relatively small amount for a short term period needs a higher interest rate in order to make a profit. The regulators clearly disagree and have introduced a rate cap for lenders in the short term high cost loans market – which came into effect in January 2015.

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Opening Hours

Mon - Thurs: 9:00 to 19:30
Fri: 9:00 to 17:30
Sat: 9:00 to 12:00
Sun: Closed

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Phone Number

01603 391104

Please call us during our opening hours for the best service.

Address

Talk Loans
61 – 63 Riverside Road
Norwich
NR1 1SR

Email

contact@talkloans.co.uk

We aim to reply to all emails within 24 hours.

WARNING: LATE REPAYMENT CAN CAUSE YOU SERIOUS MONEY PROBLEMS. FOR HELP GO TO MONEYADVICESERVICE.ORG.UK

Guarantor Loans Representative Example: Borrow £4,000 over 36 months. Monthly repayment of £194.78. Total repayable is £7012.08. Interest payable is £3012.08. Fixed APR of 47.9%. Interest rate of 41%.

Personal Loans Representative Example: Borrow £300 over 6 months. Monthly repayment of £79.72. Total repayable is £478.32. Interest payable is £178.32. Fixed APR of 446.9%. Interest rate of 118.9%.

Talk Loans is a Broker, not a Lender. To operate this service we receive commissions from the lender we refer you to.

Talk Loans is a trading style of Butler Westbury Limited Registered in England No 9035270.
Authorised and regulated by the Financial Conduct Authority Reference No. 625156.
Registered with the Information Commissioner’s Office ZA090336.
Registered office address: 3 Cricket Close, Drayton, Norwich, Norfolk, NR8 6YA

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