Warning: Late repayments can cause serious money problems. For help go to moneyadviceservices.org.uk

Short Term Loans UK

Try our short term loan calculator

Weekly repayment
Monthly repayment

£21.88

Total repayable

£525


FREE to Apply

Select your loan specifications using the sliders above.
Please note: exact repayment amounts, dates and interest rates may vary slightly, subject to your chosen pay date.

Representative Example

Loan amount £200 repayable over 3 months
Total amount repayable £280 in 3 payments of £93.33
Interest 160% p.a. fixed. Representative 677% APR

Remember, late repayments can lead to serious money problems.
For free help and advice, visit the Money Advice Service

Zippa Loans

There are certain times when we may all need a little help financially, if you’re on a low income or you’ve encountered a financial setback there can be times when you need to borrow a small amount of money.That’s exactly why, at Zippa Loans, we make it possible to obtain fast, reliable short term / payday loans online, which can help to tide you over.

We’re one of the best and most popular direct lenders, with a 9/10 user rating on Trustpilot. Our personal same day loans are an option for all UK residents of 21 years and over. Receive an instant decision and easy weekly or monthly payment plans when you borrow from Zippa Loans today.


Why choose Zippa Loans?

At Zippa, we pride ourselves on offering a flexible and affordable direct lender service that allows you to repay your loan comfortably, bit by bit. We offer some of the most competitive short term loan rates in the marketplace – Check out our loan comparison table.

Our mission is to provide a financial safety net for our customers: our free short term loan application process takes just two minutes to complete, with no hidden fees and the option to repay weekly or monthly – whatever suits you.

We understand that when money’s tight, time is of the essence, which is why we offer same day cash transfer, usually within the hour. With Zippa Loans, it’s absolutely free to apply and borrow anything up to £500, and you’ll receive our decision within two hours (during office hours). We provide a viable way to make ends meet in the short term, with our customers describing us as ‘quick, easy and reliable’.

Apply for an instant loan

Payday loans with flexible repayment options

Our short term payday loans are designed to be as flexible as possible, so that whatever your situation – unemployed, on benefits, students, self employed – you’ll be able to find a repayment option that is right for you.

Naturally, credit checks are needed in order to better understand your circumstances – cheap emergency loans are not always the best option for everyone, and it’s our job to make sure that we’re lending responsibly. But we always take time to consider every aspect of your application.


Here’s what you can expect from us

  • Smart, reliable service
  • Same day cash transfer
  • The best short term rates
  • Easy application – no guarantor required
  • Flexible weekly or monthly payments

So when you need a last-minute cash advance from a trustworthy direct lender, be sure to consider Zippa Loans for a quick, no-hassle short term loan that you can apply for online.


Advantages and disadvantages

What are the benefits and drawbacks of obtaining a short term / payday loan online? Here’s what you need to know before deciding whether to borrow.


The Advantages

  • Instant cash paid directly into your UK bank account
  • Easy weekly or monthly payments, set by you
  • Financial flexibility when money is tight

The Disadvantages

  • Steeper interest rates compared to other mainstream lenders
  • It can be easy to fall into a cycle of borrowing

Fast payday loans are certainly a useful tool for borrowing small amounts of money for a short amount of time – but always remember that you must be able to make the repayments, so borrow responsibly and be sure to set your repayment amounts accordingly.

Apply for a UK Payday loan today

What about credit checks or bad credit?

We pride ourselves on being a short term loan company to carry out credit checks – not to automatically reject those with bad credit, but to ensure that we’re lending responsibly. Our flexible repayment options are designed to ensure that you only pay back what you can realistically afford each month.

So while credit checks are an important part of our process, that doesn’t mean that your poor credit should stop you applying for an emergency loan. Our decisions are made by people, not computers, so we will always take every aspect of your short term loan application into account. Following approval, you will receive your funds the very same day.


Get an instant decision online with same day cash transfer

We get it – if you have a financial emergency, you need those funds asap. We provide fast payday loans of up to £500, with a two-minute application process and a decision reached within 2 hours. If your request is approved, we’ll organise a same day transfer, usually within the hour.

There are no hidden fees, and no guarantor required. You pay back what you can afford each month, and borrow however much you need (up to £500) to meet your own personal circumstances. Our last minute loans are quick and versatile – so you aren’t left hanging when you need cash fast.


Is our short term cash advance right for you?

Here’s how to tell if you’re a good candidate for a last minute, short term loan:

  • You’re UK resident of 21 years or over
  • You have a mobile phone and email address
  • You have a UK bank or building society account, including a debit card
  • You have a regular monthly income of ~£600 or more
  • You have had no County Court Judgements (CCJs) in the last six years
Fill in our two minute application

Frequently asked questions

Below are some of our most frequently asked questions about quick cash loans. Got a question that isn’t listed here? Get in touch or read more on our FAQs here.


What are short term loans?

A short term loan is a small loan that can usually be repaid within one year. They are designed to finance temporary financial needs and to accommodate unexpected expenses, usually on a one-off basis. They should not be relied upon as a regular means of obtaining credit.


Are payday loans good for your credit rating?

Your credit rating is an indication of how likely you are to fulfil your financial commitments. A short term /payday loan has the potential to impact your credit rating positively or negatively, depending on whether you are consistent in your repayments or not.


Are quick cash loans safe?

Short term cash loans can be a real lifesaver if you have a financial emergency, but they also come with risks – if you aren’t able to make the repayments then you should not be borrowing the money. Always borrow from a trusted direct lender, such as Zippa Loans, and never borrow more than you can afford to repay.


How long are short term loans?

Our short term / Payday loans are paid back between 3 months and 8 months and you can pay weekly. By contrast, a long term loan can be taken over an extended period of time. At Zippa Loans, our interest charges are less than our competitors.


How do short term loans work?

Our fast loans are designed to give customers quick and easy access to cash when they need it right away. After completing our two minute application process, where the customer selects how much they need to borrow and their chosen repayment period we will make a decision within two hours and inform the customer by text or email. On completion, the funds are swiftly transferred to the customer’s bank account, and repayments will commence on a weekly or monthly basis – whatever was selected in the application

Read more on how our loans work.


Do short term / payday loans have higher interest rates?

While payday loans do have higher interest rates, they are generally easier to obtain and can still result in paying less interest overall than one might with more long term financing options. Generally speaking, the higher the loan fees, the higher the APR is in relation to the interest rate.

Get Started

Making your repayments

If you’re having trouble financially when your loan payment is due, please inform us as soon as possible, and we will be able to support and advise you on the options available. It may be that you need to reduce your regular payments, or switch to weekly payments, rather than monthly. Failure to report your financial situation in lieu of a missed payment may lead to the involvement of solicitors, which can have a negative impact on your credit score.

What our customers think

Our Customers Love us, we have loads of great customer reviews

How are Zippa Loans different?

Our competitive rates are the first thing you will notice as our interest charges are less than our competitors.

Best Rates

Best Rates

Who wouldn’t choose Zippa! - Check out how much savings you would make compared to three of our competitors by clicking on any of our ‘Compare Loans’ tabs.

We are human!

We are human!

Of course we run credit checks, hey who wouldn’t! But we do understand your circumstances change so we take the time to look at every aspect of your application.

Flexible & Affordable

Flexible & Affordable

You can borrow different amounts and have the choice of weekly or monthly repayments as its important for us to match your needs and affordability.