6 Month Loans.

£50 to £5,000 loans available today

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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.

6 Month Payday Loans

If you are looking to borrow money but don’t want to be tied down to long repayment terms, a 6 month loan could be just the ticket.

If you’re looking for 6-month loans, then a payday loan could be the right option for you. Due to their short-term nature, most 6-month-loans are classed as payday loans. These are referred to as payday loans because of their origin, employees subbing wages from an employer, who would take the payment from their next wage packet.

Having the ability to repay a loan over a short period can be a great option for some people, especially if they are borrowing a relatively small amount. This will allow them to avoid paying unnecessary amounts of interest when they don’t have to. 6-month loans could also be useful for those needing larger amounts for a short time.

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.

We've helped out
thousands of people...

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

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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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More questions? We've got you covered

Lenders offer 6-month loans from £50 to £1000. You can apply online in minutes and receive an instant decision. If you accept a loan offer the money is transferred to your account on the same day.

An overdraft will usually be at a lower rate of interest than 6-month loans. However, this can be misleading. The high APR rates reflect the short-term nature of the loan. An overdraft can prove very difficult to get out of, as you still have access to the money you’ve repaid. Many people prefer a set term, so they know when they are free from that debt. It can also be challenging to get access to an overdraft if you have bad credit. An overdraft can also take much longer to arrange and usually requires a trip into a branch.

Overdrafts can be a good option if you’re incredibly disciplined. The lower interest rate is only beneficial if you clear the overdraft in a specific timeframe. Otherwise, you could end up paying a smaller amount of interest but for an indefinite period. If you prefer to know where you stand then 6-month loans might be a better option for you.

Those with bad credit are far more likely to be accepted for a payday loan via Payday UK. We compare your circumstances to our brokers panel of lenders, maximising your chance of acceptance. Many of our brokers lenders specialise in borrowing money to those with poor credit. They are more concerned with your current situation than what has happened in the past. Some direct lenders will require a guarantor, but many still provide access to unsecured 6-month loans.

Many people looking for 6-month loans are in need of money urgently. We use mobile technology and the latest security to simplify the process as much as possible. The whole process can be completed online, even for those with bad credit.

In short, yes. Emergencies don’t just happen during regular business hours, which is why using Payday UK gives you access to a loan decision out of business hours and over the weekend. Many of our brokers direct lenders understand the urgency of needing access to some extra money quickly, so have done all they can to make sure you get it.