Short Term Loans for Students.

£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 1721% 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 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

Student Short Term Loans

As a student, you may find accessing credit really difficult. Via Payday UK, we can help you find the short term loan that you need.

To say whether a student would be eligible for a short-term student loan is more complicated than it sounds. Some students may have several part-time jobs, while others will be surviving on student loans alone. Whatever the situation, students are typically surviving on a tight budget, which can mean an unexpected expense can be crippling to their finances.

If you can display that you are able to afford to make the required repayments for a short term student loan, there are lenders out there that will consider your application. Our broker has a panel of lenders who specialise in helping people find access to credit, even those who have been declined elsewhere.

We've helped out
thousands of people...

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

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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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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

All students are in a different situation. Some might have part-time jobs, some might run a business around their studies, while others may be completely reliant on their student loans. There are lots of variables, as well as the considerable differences in the amount they want to borrow and the various repayment terms.

Our brokers panel of lenders is made up of a wide variety of lenders that specialise in loans for different people, even short-term loans for students if they’re eligible. You can check your eligibility without harming your credit score by applying via Payday UK. Our broker will give you an immediate decision, so you know for sure whether you’re eligible without being under any obligation.

Yes. You can choose a repayment period from 3 months to 36 months. The lengthier repayment periods are usually selected by people borrowing more substantial amounts of money, as it makes the repayments more affordable. Shorter-term loans are typically paid back over a shorter period, to minimise the interest charged.

At Payday UK, we have worked hard to make the application process as straightforward and quick as possible. Once submitted, you will receive an instant decision. This is why most applicants receive their money the same day. You can complete your application on your smartphone, tablet, or computer. There is no paperwork or appointments that can slow down the application process.

People turn to payday lenders for a variety of reasons. The quick nature of a payday loan means a lot of people apply for one when they are faced with an unexpected expense or emergency that is going to leave them in a tight spot. If you’re eligible for a payday loan, then there won’t be any stipulations on what you spend the money on. The suitability of a payday loan largely depends on your situation.

Applying for a short-term student loan won’t affect your credit rating in any way. However, if you accept a loan offer, the direct lender is required by the FCA (Financial Conduct Authority) to perform a full credit check before releasing any funds. As this is a legal requirement, all lenders must abide by, be wary of any company that claims to be able to provide a loan without performing a full credit check. If you take out a loan and make all the scheduled repayments on time, then it should only improve your credit score.