Short Term Lenders
Short Term Lenders
Short Term Lenders

Take our eligibility test to see if you are suitable for a loan.

With such a wide choice of lenders and loans to choose from, one of the challenges can be deciding which lender is most suited to your requirements.

Every lender has different acceptance criteria with some willing to lend to borrowers that other lenders wouldn't be able to consider.

Our Eligibility Test has been designed to give you the best idea of which lenders are most likely to accept an application from you. By answering the questions below we will match your answers with the lenders answers and at the end give you a list of lenders that we believe are likely to consider your application.

This Eligibility Test is not a guarantee of a loan offer from a lender, it has been designed to help you identify short term lenders that you may have a better chance of getting accepted by. Please answer the questions honestly in order to get the most from this facility. You do not need to enter any personal information and nothing entered here is stored or shared anywhere else. There is no credit search involved in using this tool.

Learn everything you need to know about short term loans here!

For the majority of lenders, you would need to be in some form of employment to be eligible for a short term loan. Some lenders accept self-employed workers and some do not. If you are currently unemployed, you may not be eligible for a loan from any lender, however some lenders do accept customers that receive some type of benefit payments (pensions etc).
Enter your monthly income here…
Some lenders require their borrowers to have a minimum level of income before making a lending decision
If you are currently in bankruptcy, you will not be eligible for a short term loan from any of our lenders unfortunately.
Lenders will consider your credit history when looking at your application and will refer to the reports from credit reference agencies. Many lenders will still consider an application if there are recent defaults, however some lenders may have a stricter policy on a customers borrowing history.
Some lenders will consider applications from borrowers with CCJ's however the choice available will be lower than those without CCJ's. A CCJ represents a higher risk for the lender and some lenders will not lend to a customer with an active CCJ - whether this has been settled or not.
If you have a satisfied CCJ on your credit report, some lenders may still consider lending to you.
Payday Loans need to be repaid in full on your next payday, these loans can be taken over a maximum period of 39 days. Instalment loans are repaid in either weekly or monthly payments over a maximum period of 24 months.
You should look to settle any existing loans before applying for a new loan. Many lenders will not accept applications from customers with existing payday or short term loan debts outstanding. It is not advisable to seek further high cost, short term credit in order to settle outstanding debts.
How much do you need to borrow?
Lenders have varying limits as to how much they are prepared to lend new customers.
Most lenders will consider your application if you have managed previous loans well, however some may consider a reliance upon payday loans as a sign that you may be struggling financially and may not consider an application.
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