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We are currently only offering Guarantor Loans

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 is a lot shorter than a guarantor loan that could last for up to 5 years.

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.

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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.


Opening Hours

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


Phone Number

01603 391104

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



We aim to reply to all emails within 24 hours.


Talk Loans
Kiln House


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 49.7%. Interest rate of 41% per annum. Representative APR 49.7% (fixed).

Talk Loans is a Broker, not a Lender. To operate this service we receive commissions from the lender, broker or 3rd party we refer you to. To apply for a loan though our website you must be a UK resident.

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: 146 Drayton High Road, Drayton, Norwich, England, NR8 6AN

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