3 Month Loans.

£50 to £5,000 loans available today

How much do you need?


Online Loans
make sense

Instant quote with a soft credit check and no fees.

Small loans can be sent the same day.

Over 7500 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 maximum 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 is an introducer appointed representative of Flux Funding Limited, who are a full authorised credit broker, not a lender. PaydayUK provides access to a loan matching service. This site will submit the information you provide to Flux Funding's panel of lenders. All applications will be subject to credit checks and affordability assessments. If you accept a lender’s loan offer, they will perform a hard credit search. PaydayUK and Flux Funding will not perform a credit check, lenders will complete a soft search when assessing your eligibility for a loan.


Loans between £50 and £5000 over a 3-month to 36-month term.


Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.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 via 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 the same day*.

We've helped out
thousands of people...

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

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How much do you need?


Will I be Approved?

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

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Powered by Flux Funding

How it Works

We know you need your money as soon as possible. That’s why we have designed our website to be fast and simple.

Apply Online

Fill out our short, secure form and search an 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

Once accepted, your money can often be paid into your account the same day.

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.

Our broker has 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 via Payday UK without harming your credit score. We specialise in introducing people to credit 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 brokers 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.