3 Month Loans.

£50 to £5,000 paid out by 2:37pm *

How much do you need?

Our loans
make sense

Instant quote with no credit check and no fees.

Small loans can be sent by 2:37pm today.*

Over 4500 no obligation quotes processed every single day!^

Representative APR 91%.

Representative Example: Borrow £500 for 6 months. Interest: £160.27 - Interest rate: 65% per annum (fixed). Representative APR: 91% - Total amount payable: £660.27. Rates between 9.3% APR and 1294% APR - your no obligation quote and APR will be based on your personal circumstances. Payday UK is a registered trading name Payday Loans Ltd who are an introducer appointed representative of Flux Funding Limited, who are a credit broker, not a lender.


Warning: Payday loans should not be used as a long term financial solution. Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.

3 Month Payday Loans

When you need to borrow a small amount of money, you may want the flexibility to repay the loan quickly. A 3-month payday loan allows you to borrow the money you need and repay it with the minimum of fuss.

Loans are available for a variety of periods from Payday UK, including 3-month loans. The amount and term of the loan that is best for you will depend on your circumstances, but 3-month loans are usually for smaller amounts of money. You can borrow as little as £50.

We have worked hard behind the scenes to make the application process as quick and straightforward as we can, minimising the amount of time before the money hits your bank account, which is usually within 10 minutes*

We've helped out
thousands of people...

£100 for Harley in Folkestone
£1500 for Mary in Motherwell
£1500 for Samuel in Harrogate
£500 for Anna in Launceston
£600 for Elizabeth in Lockerbie
£300 for Anish in Essex
£300 for Michael in Stirlingshire
£400 for Anthony in London
£1000 for Martin in Lincolnshire
£300 for Glen in Dereham
£200 for Bartosz in Yeovil
£200 for Natalie in Lincolnshire
£1000 for Rashid in Manchester
£50 for Neil in York
£200 for Jane in Culross
£400 for Louis in Folkestone
£350 for Danielle in Bradford
£200 for Vincent in Southport
£1000 for George in Bromley
£300 for Mark in Guildford
£400 for Jessica in Huddersfield
£500 for Chanelle in Bradford
£300 for Hanif in Birmingham
£500 for Stuart in Worthing
£300 for Judy in Islington
£200 for Michael in London
£2000 for Mohammed in Smethwick
£250 for Louisa in Croydon
£200 for Carly in Manchester

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How much do you need?

Will I be Approved?

Our online Eligibility Checker is free and takes 60 seconds. Find out if you’ll be approved with no credit footprint.

Check Eligibility

How it Works

We know you need your money as soon as possible. That’s why we do everything we can to make the process fast and simple.

Apply Online

Fill out our short, secure form and search our industry-leading panel of lenders to find your loan.

Check Your Offer

Once you have your offer from the lender, you can review the offer and get your cash.

Get Your Money

Your money can often be paid into your account within just 10 minutes.*

More questions? We've got you covered

Traditional high-street lenders don’t typically offer such short-term loans. The shortest term a conventional lender will usually accept is 12-months, and these will often come with strict criteria you have to meet in order to qualify. When someone needs a loan over such a short-term, they will normally turn to a direct lender. They are specialists at providing payday loans over shorter periods, such as 3-month loans. This can be an ideal solution for some people who need a quick solution and want to pay the money back quickly.

We have built a panel of lenders to ensure you get the best deal for your circumstances. Whether or not they require a guarantor will be specific to each lender. Some direct lenders will never ask for a guarantor for 3-month loans, while others always will. However, needing a guarantor to get the best rate doesn’t slow the process much, and we can still get the money to you quickly. Most people ask a close friend or family member if they need a guarantor.

You can apply for 3-month loans with Payday UK without harming your credit score. We specialise in providing credit to people that might struggle to be accepted elsewhere. If you’ve been turned down by traditional lenders, there’s a good chance we can help you. Our lender panel performs a soft credit check, so applying with us will not show up on your credit report.

A full credit check is only performed when you accept a loan offer, as this is a requirement of the FCA (Financial Conduct Authority). Because you only accept a loan offer after finding out you meet the criteria, the full check will show up, and the loan will be approved. If you pay it back on time, then it will help improve your credit score.

You can apply to borrow anything from £50 to £500, but shorter periods are usually for smaller amounts, while people borrowing more significant amounts typically opt for a more extended repayment period to make the payments more manageable. Loans can be repaid early, but individual lenders will have their own terms regarding repayment.