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

Warning: Late repayment causes serious money problems. For help,see moneyhelper.org.uk.

Short Term Loans

Ideal for emergency purposes, simpler and faster
Borrow £300 to £1500
Short Term Instalment Loans
Instant Decision Online Quote
Large Panel of Direct Lenders

Representative example: £1000 borrowed for 12 Months. Total Amount repayable is £1357 in 12 Monthly instalments of £113.08. Interest charged is £357, interest rate 49.9% pa. Representative 49.9% APR. Rates from 45.3% to max 1575% APR - Minimum Repayment Period is 90 days (3 Months) from the date the loan is issued. Maximum Repayment Period is 60 Months. your APR will be based on your personal circumstances. Not all the lenders can offer a loan amount up to £10000 and not all the applicants will be approved for the requested loan amounts. The loan repayments may vary from lender to lender. *Subject to the loan application being approved by the lending partners.

ClixCredits is a credit broker and not a direct lender.

Short Term Loans

Short Term Loans

Short Term Loans

Looking for short term loans UK? These loans are small loans offered to borrowers and repaid within a short period ranging from £100 to £5000. For many years people have constantly opted for a short term cash loans to settle their emergency bills. Within minutes, you can now obtain a possible decision if you apply for a short term loan and have the loan amount in your bank account as soon as possible.

When searching for the best short term loans UK, it is good to calculate the APRs and other details. Online short loans are only used to deal with emergency financial situations such as car repairs, etc., and are not for long-term financial needs. Cash emergencies happen every time, and you may locate yourself in need of money in such circumstances.

These loans come in handy and are helpful fulfil financial requirements. These loans offer flexibility and can anticipate things getting better financially soon. Even so, it is essential to consider your circumstances and check whether you can afford the repayments for the loan amount that you are requesting.

Short Term Loans
Are short term loans in the UK safe?

Online short loans come in handy and with no guarantor and are safe if you use a legitimate lender. However, not all lenders offer safe and secure short term cash loans without guarantor. The crucial thing you should consider when deciding to secure short term loans UK with a lender or through a broker is whether or not it is licensed and registered with the FCA. Few lenders may ask for guarantor if you chooses the short loan with bad credit to reduce the risk of defalut.

Do your research to ensure the lender is reputable and prioritises safety. Explore the lender’s website to determine if the lender is reputable. It is imperative to double-check that the lender is licensed. Better not to proceed with the loan application if the lender or broker is not regulated.

Are short term emergency loans good for your credit rating?

Taking out a short loans online can be confusing sometimes as it comes with numerous questions. Well, when used wisely, these loans can be good for your credit rating as they can improve your score. Finding yourself in need of short loans with bad credit to pay emergency bills or other expenses, taking out a such a loan can help you cover the costs. Paying off your financial emergencies and repaying the loan payments can make lenders see you as a reliable and responsible borrower.

Is taking multiple short term loans in the UK a wise idea?

It is possible to have multiple short term loans UK across different lenders. However, rates and terms vary from one lender to another. But, borrowing more than one short term loan at a time, you need to ask yourself some questions, such as:

Why do you need to take out another short term loan? Are you really in search of a loan for an emergency? Is there a lender who can give you access to the whole amount you need instead of spreading it over two or more loans?

How do I know if a short term loan is affordable?

short term cash loans are loans that you repay within a short period. How affordable a short loan is relies on your circumstances. However, to know whether a short term loan is affordable, understand how much it will cost to borrow. Lenders will assess your creditworthiness, whether or not you can afford the loan repayments.

Typically, the lender from whom you are taking out the loan will tell you exactly how much you need to repay and over what term. It is vital to know the exact amount as it will help you to budget and confirm that the loan you are taking out is affordable for you over the term.

What are the online short term cash loans used?

Whether you are dealing with a temporary financial crisis or not, short loans online can help in a cash crunch. short term loans UK are ideal when you need quick cash to meet an emergency over a short period. For instance, you need to repair your car but cannot afford to do so, or an unexpected bill has arrived, and you require cash to pay it.

Do short term loans in the UK come with low APR?

APR stands for Annual Percentage Rate, which helps borrowers understand the whole amount of their borrowing. It includes all the costs, including interest and additional charges, but not extra costs, such as paying fees.

Usually, short loans with bad credit have a high APR. But affordability varies from borrower to borrower, and what one customer may consider a low APR, another may think is high. A low APR loan offers a low percentage. However, rather than looking for the lowest APR, focus on having the minimum loan period. Many lenders will base their APRs on your creditworthiness. It is good to check the terms and conditions to ensure you get the short loans online with a low APR. However, it is worth checking and shopping around to get the best APR before applying for a short term loans UK.

About Us

Clixcredits is a credit broker that helps you find short term loans which are ideal for financial emergencies. These can be the best financial solution if you need cash.

We at Clixcredits understand the need and strive to find the most affordable loan possible to help you get back on your feet. Fill in the application form on our website, and our matching service will instantly search for and try to find you the most suitable financial solution. You are under no obligation to accept it.

We do not charge you fees for using our website services. However, we receive a commission from participating lenders or brokers if you choose one of their products or for referring you to them.

We do not offer payday loans. However, our short term cash loans are the alternative to payday loans, even if the acceptance is not guaranteed.

How It Works

Apply online

Fill out our loan application by giving your full and proper details.


Our loan matching service will analyse and search for a possible suitable solution.

Easy access

If you are accepted, you will be redirected to the lender's page with an offer and you are under no obligation to take it.

Get funded

After verifying your documents, once approved, lenders will deposit your loan amount into your bank account.

How It Works

Eligibility Criteria

Eligibility Criteria
  • Be a UK Resident
  • Be over 18 years old
  • Have a UK bank account
  • Be in a Full-time / Part-time employment
  • Meet the lenders’ criteria and credit affordability assessment
Eligibility Criteria

Frequently Asked Questions

What are short term loans UK?

short term loans are unsecured loans given for a short time with smaller amounts. These loans deal with emergency costs such as garage, emergency medical treatment, or boiler repairs, etc.

How quickly will I get a decision on my short term loan application?

The decision on whether you qualify for a short term loan is faster. Our matching service will find you the best deal with the most affordable rates for your financial situation.

How much do short term loans cost to repay?

The total cost of online short loans depends on how much you borrowed and its tenure. If you borrow less for a shorter period then your repayment will be less. Before considering these loans make sure of your circumstances and affordability.

APR Disclosure

Representative Example : £1000 borrowed for 12 months. Total Amount repayable is £1357 in 12 monthly instalments of £113.08. Interest charged is £357, interest rate 49.9% pa. Representative 49.9% APR.