Get money as soon as 8:52pm †

Get cash paid into your bank as soon as 8:52pm

Choose amount to borrow: £

Representative APR 305.9% (variable)

Representative example: £400 borrowed for 90 days. Total amount repayable is £561.92 in 3 monthly instalments of £187.31.
Interest charged is £161.92, interest rate 161.9% (variable).

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

† - Subject to lender's requirements and approval.


Short Term Loans

Short term loans paid in monthly instalments

In a financial emergency short term loans can be very helpful. With a short term loan you can borrow between £100 and £2000 for up to 6 months or until your payday. You can pay back your loan in 1, 3 or 6 monthly instalments. Short term loans are a highly convenient form of borrowing catered towards people who have a one off financial need.

Apply online for an instant decision

It is very easy to apply for a short term loan. The application process is 100% online with no faxes or phone calls and you can apply online 24 hours a day. The money that you need for your financial emergency could be in your bank account within an hour of signing your agreement, sometimes as quick as 10 minutes. If your bank doesn't support faster payments this could take slightly longer.

When you apply for a short term loan there are no awkward questions, it doesn't matter why you want to borrow the money as long as you can pay it back. We do strongly advocate responsible borrowing; if you can’t afford to repay it comfortably please don’t apply for a loan.

If you are struggling financially for longer periods of time we recommend that you seek independent debt advice. There are several agencies in the UK that offer this service for free. See our debt advice page to see some of the organizations that you can speak to for free and in confidence.

Once you have completed your short term loan application, your details are sent to our approved panel of short term lenders to see who can offer you a loan. The lender offering the most competitive rate will be selected and credit offered. By applying you are not committing to anything in any way until you sign the electronic loan agreement. Once you sign your credit agreement it’s just a case of waiting for the money to be paid into your bank account.

Emergency Loans 247 is a registered trading name of DG Media & Marketing which is an Introducer Appointed Representative of Quint Group Limited, who are a credit broker not a lender.

Common Questions

Can I apply for a loan?

Yes you can apply for a loan as long as you meet a few minimum requirements. These are that:

  • You are over 18 years of age.
  • You are a UK resident and eligible to work.
  • You are employed and receive a regular take home salary of £1,000 per month or more.
  • You have a UK bank account that accepts direct debits.
  • You have your wages paid directly into your bank account.
How much am I able to borrow?

You can borrow between £100 and £2,000 with a short term loan and with an instalment loan you can borrow between £500 and £25,000. We recommend that you only borrow as much as you really need to minimise the amount of interest that you have to repay.

All loans are subject to lender's requirements and approval.

How much will it cost?

Short term loans

The maximum charge for short term loans is limited to a maximum charge of 0.8% by the Financial Conduct Authority (FCA).

The representative APR is 305.9% (variable). Representative example: £400 borrowed for 90 days. Total amount repayable is £561.92 in 3 monthly instalments of £187.31. Interest charged is £161.92, interest rate 161.9% (variable).

Larger personal loans

The representative 33.6% APR. Representative example: £2200 borrowed for 36 Months. Total Amount Repayable is £4172.37. Interest Charged is £1972.37, Interest Rate 29.9% (variable).

How long can I borrow money for?

You can borrow money for anything up to 6 months with a short term loan; However you can borrow money for much longer with a larger personal instalment loan.

Does it cost money to apply for a loan?

We don’t charge anything, our loan finding service is totally free to use. If a lender asks you to pay a charge to process your application we recommend that you do not proceed because a loan offer can not be guaranteed.

What should I do if I can't pay back my loan on time?

If you can't afford to meet your loan repayments on time it is very important that you speak directly to your lender as soon as you can. In the UK lenders are required by law to support you and try to find a solution that works with you to help you repay your loan while minimising extra costs.

Are you a direct lender?

No, Emergencyloans247.co.uk is not a direct lender, we are a credit broker authorised and regulated by the Financial Conduct Authority. We do not charge you for using our free service though so it doesn’t cost any extra. Our service just makes the task of finding a loan a little easier.

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.
Representative 305.9% APR. Representative example: £400 borrowed for 90 days. Total amount repayable is £561.92 in 3 monthly instalments of £187.31. Interest charged is £161.92, interest rate 161.9% (variable). Emergency Loans 247 is a registered trading name of DG Media & Marketing which is an Introducer Appointed Representative of Quint Group Limited, who are a credit broker not a lender.