| Short term loans

Finally, short term loans worth smiling about

Borrow up to £5000 within 24 hours¹

min £ / max £
- +
Monthly payments between ↓
    £ / £
Get Rates/ Quote → only takes 2 minutes

Representative 96.2% APR. Assumed credit limit: £1200. Representative 96.2% APR (variable). Annual interest rate 69.4% (variable). Rates from 45.3% APR to 1721% APR - we provide a no obligation quote, your APR will be based on your personal circumstances.

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

We are an FCA licenced Credit Broker and not a lender!

Our 3 Step Application Process

Our No Obligation Quote Service Is Available 24/7

Short term loan form

Complete our
2 minute form

Fill out our quick form online¹.
This should take no more than 2 minutes.

Short term loan match

We Will Match You With A Lender

You will get your decision in around 30 seconds.

Short term loan offer

Review Your
Loan Offer

Once you receive your quote, complete the final step to transfer money

Why apply with Moolr

Moolr short term loans Moolr Other lenders
Multiple lenders compete to get you the best rate
No filling out duplicate forms
Get actual rates, not estimated ones
Borrow for any reason
Flexible repayment plans
Connect to over 50 lenders with one click
Get my loan

* Once approved, your cash may be sent the same day.
The time that it takes for the cash to be received in your account will depend on your bank’s policies and procedures.

“Applying was easy – I saw my short term loans offer in 3 minutes”
“Applied and got the money the sameday – fantastic”
“What a great free service – I got my money in hours!”

Short term loans from £500 – £5,000 between 3 and 60 months. Our representative rates, which include possible lender fees, have a varying APR, dependent upon your personal circumstances. All associated fees and rates are based on your personal financial circumstances.

* Our comparison rate is based on a £1,800 Personal Loan for a 2 year term. This rate is applicable for unsecured personal loans only.

Testimonials are for representative purposes only.

WARNING: Our comparison rate only applies to the example or examples provided. Alternative loan amounts and terms will produce different comparison rates. Additional costs such as redraw fees or early repayment fees are not included in our comparison rate, but could influence the overall cost of your loan.

Short term loans review

“Very impressed with the service I received – application was quick and easy to understand, I was approved the same day and had the money in no time…”

Howard, Manchester

bad credit loan customer picture

Moolr™ offer a no obligation, short term loan market search. Little loans, big help

  • Borrow between £100 and £5000 3
  • 100% FREE, no obligation application
  • Complete one simple, quick online form
  • No paperwork required
  • Compare loans instantly
  • No hidden fees or costs
  • 2048 bit secure encryption
  • 24/7 application
Before applying for a short term loan, please check if you are eligible to apply and check your finances to ensure that you will be able to meet your repayments. If you are struggling then a bad credit loan may not be right for you.

What can short term loans do for you?

We find diverse types of short term loans, and specialise in all credit histories

Please remember that late repayment may affect your credit rating

You should not use bad credit loans to manage existing debt

You are under no obligation to commit after we find a loan option

Start my application

Short Term Loans From Moolr

Moolr provides you with a no obligation quick loan quote. We work with many lenders that cater for all credit histories – good and bad.

Moolr finds online short term loans from £100 to £5000 3, with flexible repayment options, from 3, 6, 12, 24, 36, 48 to 60 months.

Transfer Times

Many of the lenders we work with are able to provide you with the funds within as little as 15 minutes, although transfer times can vary.

Our straightforward application form is simple and fair and will provide you with a loan option in just a couple of minutes.

What are short term loans?

Short term loans are repaid over a period of time, with multiple repayment options, and not just one.

Usually, at least two repayments are made in order to pay off the cash loan, but usually more.

Depending on the lender that accepts your application, we are able to offer 12 month loans, 18 month loans, and 24 month loans, to suit any budget.


The main purpose of short term loans is to offer you access to higher values of cash loans, and longer repayment periods. This is so that they can suit all budgets.

The often flexible nature of short term loans puts you in control. You decide whether your circumstances would suit a shorter loan term, with larger repayments, or smaller payments over a longer period of time.

What are the differences between a payday loan and a short term loan?

Payday loans are only suitable for certain situations> This is because the short repayment period (usually just 30 days) attracts a higher APR (annual percentage rate) on interest.


Short term loans offer a lower interest rate than payday loans. The repayments are spread over a longer period of time – determined at the point of the loan offer.

We work with lenders who specialise in loans for bad credit histories, whether the option is a short term loan, or a payday loan.

About us

Moolr is a licensed credit broker and not a lender. This is great news for our customers, as we are able to find a provisional quick loan offer from our vast network of reputable lenders, in just minutes.

Unbiased loan matching

We do not perform credit decisions on behalf of our lenders, and nor do we associate or favour any given lender. This means your application is fair, unbiased, and realistic.

Free service

Our short term loan matching service is, and always will be 100% FREE. How can this be? We receive a small fee from the lenders, for putting them together with our customers. This does not affect your charges, or APR, and is fair to charge the lender, rather than our customers.

The process

We will automatically redirect you to the lender’s website that has your quick loan offer, making the process even simpler for you.

If you agree to their terms, you simply click the button to finalise your loan on the lender’s website.


If you don’t agree to the terms, you can simply walk away, and you are free to try our service again, to find an alternative lender.

Please note, short term loan options and associated APRs vary from lender to lender.

Collection policies

Once you have agreed and finalised your short term loan option from the lender’s website, you will receive funds directly into your given bank account.

Don’t suffer in silence

If for any reason you feel that you will struggle to make any repayments, then you must get in touch with your loan provider as soon as possible.

In most cases, arrangements can be made to help you – it is always best to deal with the issue.


In the event of non-payment, should you choose to not contact your lender, they do have a legal right to pass your details on to third party debt collections agencies, in order to recover the debt.

Continuous payment authority

Lenders also have a right to utilise a Continuous Payment Authority. This allows them to continue to attempt to recover missed repayments up to 90 days after the due date.

This will be outlined in the lender’s terms and conditions, so please check these when we redirect you to your lender’s offer page.

Representative 96.2% APR. Assumed credit limit: £1200. Representative 96.2% APR (variable). Annual interest rate 69.4% (variable).

Rates from 45.3% APR to 1721% APR – we provide a no obligation quote, your APR will be based on your personal circumstances.

 Start my application