3 Month Loans

3-months can be an apt option if you want some quick cash immediately. You can receive the funds within the same day of applying.

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What Is A 3-Month Loan?

A 3-month loan is a short-term loan for a specific amount of time. They're designed to be repaid in monthly installments with a fixed interest rate. They usually range from £200 to £800, or £5,000 for repeat customers, and are for lesser sums of money than a mortgage or long-term loan. So these loans may be a realistic choice for those who need to cover an unexpected demand and wish to cover the expense of borrowing.

How much can I apply for?£100 to £5,000Zero-obligation quote
Length of the repayment1-36 monthsQuick payout
Interest rates (variable)49.7%Zero paperwork
Can I apply with poor credit standing?YesBad/low credit considered
Do I have to pay a lump sum?NoFlexible repayment
When am I allowed to apply?24/72-min simple application
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Will 3-month Loans Need A Guarantor?

Our platform features a panel of lenders to help you choose the best loan for your needs. Each lender will determine whether or not a guarantor is required. Known as a payday loan, some direct lenders will never ask for a guarantor for a 3-month loan, while others will. However, requiring a guarantee to obtain the best rate does not significantly hinder the procedure, and lenders continue to deliver funds fast. Most people seek a guarantor in their close friend or family member.

Can I Get 3-month Loans With Bad Credit?

You can apply for 3-month loans via UKBadCreditLoans without harming your credit score. We specialize in introducing people to credit that they might have struggled to be accepted elsewhere. If traditional lenders have turned you down, there's a good chance we can help you. Our brokers' lender panel performs a soft credit check, so applying with us will not appear on your credit report.

A full credit check is only performed when you accept a loan offer, as this is a requirement of the FCA (Financial Conduct Authority). Because you only get a loan offer after lenders confirm you meet the criteria, the entire check will show up, and the loan will be approved. If you pay it back on time, it will help improve your credit score.

Looking to Borrow Money Easily?

1 month

Representative Example: Rates from 43.1% APR to 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £1,200 borrowed for up to 75 days. Total amount repayable is: £1506. Interest charged is 0.34% per day, amounting to £306, annual interest rate of 124% (variable). Representative APR: 49.7% (variable).

Am I Eligible For A 3-month Loan?

Before applying for a three-month loan with UKBadCreditLoans, make sure you match our lending partners' minimal lending conditions. To be considered for a loan, you must have a UK bank account and debit card. Also, the borrower must also be employed full-time or part-time and be at least 18 years old. They are also required to have a monthly NET salary of at least £1000.


UKBadCreditLoans acts as a bridge between lenders and borrowers. With just one tap on your phone or other devices, you can access our website to get loan offers tailored according to your needs. Most lenders provide you the option to set the loan term that suits you the best.

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Get started with our easy online form in minutes and connected with the leading lenders in the Industry right away!

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