All The Lenders - Independent Short Term & Payday Loan Comparison

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IMPORTANT INFORMATION:

You should always refer to your loan agreement for exact repayment amounts as they may vary from our results. Read more about How Our Comparisons Work

WARNING:

Late repayment can cause you serious money problems. For help, go to The Money Advice Service

PLEASE NOTE:

High cost short term credit is unsuitable to support sustained borrowing over long periods and would be expensive as a means of longer term borrowing.

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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!

Please select your age
18 Years Old 19 Years Old 20 Years Old 21 Years Old 22 Years Old 23 Years Old 24 Years Old 25 Years Old 26 Years Old 27 Years Old 28 Years Old 29 Years Old 30 Years Old 31 Years Old 32 Years Old 33 Years Old 34 Years Old 35 Years Old 36 Years Old 37 Years Old 38 Years Old 39 Years Old 40 Years Old 41 Years Old 42 Years Old 43 Years Old 44 Years Old 45 Years Old 46 Years Old 47 Years Old 48 Years Old 49 Years Old 50 Years Old 51 Years Old 52 Years Old 53 Years Old 54 Years Old 55 Years Old 56 Years Old 57 Years Old 58 Years Old 59 Years Old 60 Years Old 61 Years Old 62 Years Old 63 Years Old 64 Years Old 65 Years Old 66 Years Old 67 Years Old 68 Years Old 69 Years Old 70 Years Old 71 Years Old 72 Years Old 73 Years Old 74 Years Old 75 Years Old 76 Years Old 77 Years Old 78 Years Old 79 Years Old 80 Years Old
Short term loans are generally available to UK residents over the age of 18 years. However, some lenders require borrowers to meet a higher minimum age for their own lending risk criteria.
Please select your employment status
Full Time Employed Part Time Employed Self Employed Unemployed
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
Are you currently bankrupt? Please select answer…
No Yes
If you are currently in bankruptcy, you will not be eligible for a short term loan from any of our lenders unfortunately.
Do you have any recent defaults with other creditors? Please select…
No Yes
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.
Do you have any unsettled CCJ's on your credit file?
No Yes
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.
Do you have any satisfied CCJ's on your credit file?
No Yes
If you have a satisfied CCJ on your credit report, some lenders may still consider lending to you.
What type of loan do you require?
Payday Loan Weekly Repayment Loan Monthly Repayment Loan
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.
Select Your Payday
Apr
May
Jun
S
M
T
W
T
F
S
Please select the period of time you need the loan over. Lenders that do not lend for the period you specify will not appear in the results.
Do you have any outstanding payday or short term loans?
No Yes
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.
Have you taken out and repaid without default any other payday or short term loans in the past 3 months?
No Yes
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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