Short Term Loans for Students.

£50 to £5,000 paid out by *

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Instant quote with no credit check and no fees.

Small loans can be sent by 5:22am 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 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 credit broker, not a lender.

We offer loans between £50 and £5000 over a 3-month to 36-month term.

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

Student Short Term Loans

As a student, you may find accessing credit really difficult. At 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. We have 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...

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

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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

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 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 through Payday UK. We 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 within 10 minutes*. 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.