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% pa (variable). does not provide any loan or consumer Credit products directly.

Loanski Short Term Loans

All credit scores welcome to apply – If accepted you could have £100 to £2000^

You can expect an automated answer within 3 minutes.

**Applying will not affect your credit score but if you accept the loan offer a full credit check will be performed


5 Minute Application

Our application form is user friendly, it only takes 5 minutes to fill it out!


3 Minute Decision

Once you apply you will get your answer in a 3 minute automated online decision!

Fast payouts

With autonomous payment systems you can sometimes have your cash within 10 minutes!* 

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


Short term loans – What are they?

Short term loans for bad credit are paid in a number of instalments in order to fit the needs of the individual based on their financial situation. Therefore, the term short is simply referring to the length over which the loan is put in place.

In many instances, a short-term loan is often used to cover the cost of expenses in between paydays as many people can find that they are short of cash when they need it. So, the loans are often used to cover the payment of bills until they receive their next income.

There are some loans that offer a repayment term of six months with the advantage being that borrowers can plan their repayment plan ensuring that they keep their finances on track.

However, short term loans online provide the perfect opportunity for those who find themselves in a difficult situation to find a solution that is proven to work when used correctly.

3 simple steps to get your cash!

Applying for a short term loan has never been easier

What can a short-term loan be used for?

A short-term loan can be used for a number of reasons but in most instances, they are used to deal with an unexpected emergency. This could be a repair to a vehicle, a damaged roof or an unexpected bill where the funds are just not available to cover the cost.

For those who have a bad credit rating or a credit rating that is not perfect, it can prove difficult to obtain a loan from a bank or other lenders because they have strict criteria in place that has to be met.

If you find yourself in this position then there is no need to panic because you do have options. There is also no need to accept the first offer that comes your way because often that will not be the best one for you.

So, a short-term loan that is designed for your needs will offer a perfect solution to help you deal with your financial emergency.

Why choose us?

Monevo has an advanced search system that allows you to apply for a short term loan from their large lender panel and get an automated decision with the best offer in as little as 3 minutes!

Why waste your time filling in numerous applications with multiple lenders when you can simply use Loanski to save time and find the best offer from Monevo’s Lender Panel.

You can apply from £100 to £2000 and enjoy a fully online application process.

All credit scores are allowed for applications and don’t worry, your credit score will not be affected if you apply but if you accept the loan offer lenders will then perform a full credit check.

Due to the system having access to such a large number of lenders the chance of getting accepted is much higher than applying with individual companies!

Free & online quotation.

We offer a free and simple online solution to help you find a short term loan.

Your credit score will not be affected^
The system checks for eligibility by using a soft pull of your credit profile so it will not impact your credit score.

Fast decision process

You can expect a decision from a lender in as little as 3 minutes.

Safe & secure application

Your information security and privacy is our main concern, rest assured we transmit all information over our secure SSL encrypted network.

Should I take out a short term loan?

First of all, you need to make sure that you choose a product that is affordable because there are many products and lenders out there.

As part of this, you will need to have an understanding of the terms and conditions and what they mean. So, before you apply for a short-term loan, you should think about the Annual Percentage rates, the repayments and whether they are fixed or variable and whether the loan can be repaid whole early or in part.

Of course, as it is an emergency, you will also need to know how quickly you will receive your money and whether there are any costs involved.

While this might seem a little daunting, it is crucial that you have a clear understanding of how much you can borrow and what you can afford because a short-term loan does not always consider your credit rating but instead lenders look at the bigger picture.

So, if you commit, then you need to make sure that you can make the repayments because if you miss a payment then that will affect your credit rating.

About Us

Loanski has been constructed with one mission in mind and that’s enabling it’s users to obtain best quotation for a short term loan from our partners large panel of lenders using an automated decision process. Getting a decision for a short term loan has never been easier, once you have filled in the application form you can expect a decision in as little as 3 minutes.

Loanski is an affiliate acting as a credit broker not a lender. Once you have submitted your application to the system, it then searches Monevo’s panel of lenders and then gives you the best offer from the accepting lenders.

The main benefit of using Loanski is saving time and getting a great deal, instead of applying for a loan with multiple lenders you can simply use one application form and have them bring you the best offer in a short time frame.

100% Online

Loanski is purely an online credit broker, this means you can use us 24/7/365 at a time of your best convenience with no need to fill out paperwork keeping the application process simple, fast and efficient.


The Monevo system has been created using safe, secure and approved software. You can rest assured all of your information is handled in a secure and safe manor. Our users data protection is our primary concern.

Is it possible to apply for a short-term loan if you have bad credit?

It is completely possible to apply for a short-term loan if you have bad credit because lenders look beyond your credit rating. With every application, they will consider the level of affordability while some lenders will run a soft credit check, which means that your credit rating will not be affected or marked.**

When you apply for a short-term loan, it is important that you are honest and open about all of your finances and your situation because if you fail to declare all of the information, it could mean that you find yourself unable to manage the payments and late or missed payments can cause further issues.


Bad Credit – What is it?

People are generally considered to have bad credit if they have failed to make payments for bills such as credit cards or even past loans.

It is quite easy for people to become caught up in bad credit but unfortunately, traditional lenders are not particularly keen on giving short-term loans to those who have a bad credit rating.

If you have a poor credit rating then bank loans are almost impossible to obtain but short term lenders consider accepting applications based on the intention to pay.

In fact, you can be turned down for a loan because you might have no credit history but yet still, you will still have a bad credit score, showing that bad credit simply means that a borrower is considered to be unreliable.

Even if you have bad credit, it doesn’t mean you cannot get a loan

Having a bad credit rating does not necessarily mean that you cannot be accepted for any loans or financial assistance. In fact, short-term loans for bad credit are designed to provide a suitable option for those who have bad credit or find themselves in a difficult situation that requires financial assistance.

Traditional loan agencies follow strict lending rules and that often means that individuals who fall just short of the expected requirements are rejected. However, short-term loans are not based around carrying out hard credit checks and so, it means that the whole situation and circumstances are taken into consideration.

Often, individuals will have to make an emergency payment or they need money quickly to deal with a specific situation and so, they need access to instant finances.

Of course, if you have a bad credit rating because of past history then you need to make sure that you are well aware of the circumstances surrounding the loan you are applying for.

However, a simple application online is all that is needed to apply for a short-term loan and often the decision is given instantly.

Keep on top of your instalments to prevent credit score damage

Make sure you don’t miss any payments as this will negatively affect your credit score and could land you into financial problems.

It can be difficult to rectify a poor credit rating because getting the credit you need to repair it is hard to come by.  Therefore, you need to be seen to be a reliable borrower in order to be accepted for larger amounts and other financial assistance when you need it.

Applying for short term loans for poor credit makes it possible for you to select the term credit and the term repayment time. This will give you more control over your finances and it can help you to improve your credit rating quickly.

Every repayment you make will have a positive effect on your credit score, increasing it with each payment. So, in times of need, a bad credit loan can be a shining light in dark times because it can provide cash instantly but also offer a number of benefits.

This includes monthly repayments, lower interest rates and a better term repay time.

Therefore, bad credit loan providers base their decisions on financial habit and what can be afforded as opposed to going through questionnaires.

So, if you are unable to afford a bad credit loan then you will be not be given one. This is why bad credit loan lenders act responsibly in order to make sure that borrowers do not get themselves into unnecessary debt.

Short Term Loan Application Requirements

  • 18 years of age
  • UK resident
  • Have a sustainable income

If you wish to apply for your short term loan now then simply head on over to the fast and easy form to complete your application for a short term loan.


The Benefits of Bad Credit Short Term Loans

Instant Cash – Individuals can receive their cash almost instantly into their bank account. In as little as 15 minutes^, the money can be paid and the individual will then have the funds they need to deal with their financial problem.

No long-term commitment – Most short term bad credit loans have a repayment period of around 1 month. Therefore, the cash that will be received without having to commit to a long repayment period that could cause further problems.

Reduced background checks and collateral – In many cases, a poor credit term loan can be taken as both secured and unsecured. Therefore, short-term loans that require no guarantor or security can be accessed instantly.

Deal with emergency situations – Financial hardship or emergency situations can occur at any time. These unexpected costs can cause stress and panic because finding that extra cash can prove difficult. Despite this, a short-term bad credit loan is the ideal way to find the right finances when needed in a fast time and for a short period.

If payments are on time then they will prove that you are a reliable borrower and so, improving your rating will increase your chances of accessing other products in the future.

Short term bad credit loans are a very useful product for those who need them. As they can be accessed easily and quickly, they are a feasible option when finances are tight.

 Advantages of using Loanski
Loan Amounts£100 to £2000^High Acceptance Rates
Application Decision Time3 Minute Automated Decision!100% Online No Paper Work!
Payout TimeAs fast as 10 Minutes! ^SSL Secure Application
Fee For Application£0 We Don’t Charge Fee’s!Multiple Lender Platform
Poor Credit Score?All Credit Scores Welcome!No Obligation

Is it possible to obtain a short-term loan without a credit check?

In the main this is not possible as lenders have to check your credit history, however, they do look at more than just that to your credit rating.

They will consider your income, your finances and your level of affordability. As part of the affordability check, your credit history will be checked but if you have bad credit then you should not worry because short-term lenders can still help some people who have a less-than-perfect credit rating.

The aim of the check is to make sure that borrowers borrow finances in a responsible way and so, the aim of the checks are to protect the consumer.


Payday loans and short-term loans – what is the difference?

Payday loans have historically been known to consist of small cash loans that lenders offered to borrowers for just a few weeks, often up until their next payday came around.

However, a short-term loan works in a different way because of the period of time over which they are typically paid back. Therefore, the cost of the loan is often paid back over a period of months as opposed to weeks and in some instances, they can be paid back over the course of a year.

Many borrowers tend to get the terms mixed up and that means that it can often cause confusion for those who are looking for a solution to their financial emergency.

However, in the industry, they are both known as High-Cost Short Term Credit (HCSTC) and they are fully recognised by the financial service industry as the same products.

There are strict regulations and industry-wide price caps that are placed on both payday loans and short-term loans and these are put in place to protect customers and to show that lenders provide a high-quality service.

As an example, each lender can only charge a maximum daily interest rate of 0.8% while default fees must not cost any more than £15 and the customer must not be required to pay back more than double the amount they borrowed.

Despite this, borrowers should be aware that the longer they pay their short-term loan over, the more interest they will pay although this will be included in the monthly payment that is proposed to them, enabling them to determine whether the payments are affordable to them.

Short term loans offer an ideal solution at a time of an emergency financial crisis. However, it is vital that borrowers understand whether they can make the repayments because failure to do so can have serious consequences.


Still Thinking About a Short Term Loan?

Some of the best short term loans for bad credit provide individuals with the cash they need. However, prior to applying, applicants should consider the fees involved as well as the overall cost including the interest rate in order to determine whether the amount borrowed can be covered and repaid in full.

A short-term loan for bad credit ratings offers a quick solution at a time of financial hardship.

At a time of need, naturally people will seek out a quick solution to their problem but there are many people out there who target these individuals and that is why it is important to understand whether you need a loan or not.

Legitimate agencies will be FCA-approved direct online loan lenders.

So, short-term loans are available for individuals with bad credit no guarantor and they won’t need a credit check at the time of the application is made.

One of the advantages of a loan is that the repayment term is selected by the individual. This means that they can extend the period in order to fit it around their finances.

This makes it important to identify which loan features are important before choosing the loan that is right. So, online short term loans that offer affordable, simple repayments can be accessed online and because they leave no mark on credit reports, they cannot cause further problems.

Clearly, it is possible to obtain a short-term loan with a poor credit score but users should understand why their score is low and how they can go about rectifying the problem.

Taking out a bad credit loan and meeting the agreed repayment schedule may improve and boost credit rating. The FCA site offers more information that relates to improving your credit score.