Smart Loans UK

Apply for a short term loan today

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Representative example: £400 borrowed for 90 days. Total amount repayable is £561.92 in 3 monthly instalments of £187.31. Interest charged is £161.92, interest rate 161.9% p.a. (variable). Representative 305.9% APR. A short term high cost loan should not be used as a long term solution. We are a broker not a lender. We don't charge fees. We don't sell your personal information.

Why choose Smart Loans UK?

Consider us for a short term loan

Fast Application

It takes less than 60 seconds to apply with Smart Loans UK. Get started now.

No Fees

Smart Loans UK have no hidden fees. We won't hide anything from you.

Transparent Service

Smart Loans UK offers a transparent service that you can use to apply for a short term loan.

UK Lenders

We access our panel of UK lenders to be sure that you get the best short term loan options.

Apply online today with Smart Loans UK

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

Smart Loans UK
Who we are

Smart Loans UK offer a range of short term loans. Our loan application process is fast, we have no fees, and our service is transparent.

Smart Loans UK
Any questions?

If you have a question then you can visit our FAQs page to see if you question has already been answered.

Smart Loans UK
Need support

Smart Loans UK are keen to ensure that you can get support when needed. Get in touch with us today.

Our rates

An example of our short term loan rates

Representative example
Loan amount £400
Loan length 90 days
Interest amount £161.92
Total loan amount £561.92


Do you want to learn more about Smart Loans UK?

Get started with your short term loan application with Smart Loans UK. We provide a transparent service that you can use to apply for a short term loan day or night. We search against a collection of trusted lenders to ensure that you get the right loan for you. Our customer support team will ensure that support is on hand when you need it. We put you first in getting a short term loan. Start your application today with Smart Loans UK and see how much you can borrow.

A short-term loan is intended to cover a customers expenses until their next payday. A lender will usually charge a fixed fee depending on the amount borrowed, and the loan is until your next payday, regardless of when you apply.

You can apply for a loan 24 hours a day 7 days a week. Most of lenders work 7 days a week and can even deposit funds into your bank account on the weekend.

You can apply for a short term loan, it's quick and easy. You can use our online application form and enter in some basic details. If you are okay to apply you will then be transferred to a lender's website to complete the process. The lender may also ask some additional questions which were not asked in our application form. You can then sign your loan agreement online and receive your loan from the lender.

Yes, you can apply for a short term loan with Smart Loans UK if you have bad credit history.

No, we do not charge you a fee for using our loan matching service. However, if we are unable to find a loan for you we may be able to match you with an alternate broker who may charge you a fee for accessing their extended panel of lenders.

There will be no obligation to pay the fee, you will have the right to decline the fee and select a no fee option. We only work with brokers who offer a free trial period and full refunds when the service does not meet expectations.

If you decide to pay the fee, all our partners will take your payment details via their website using SSL-secured technologies. No one will ever contact you and ask you to purchase products in advance to prove your ability to pay.

Times will vary based on the lender you have agreed your loan with and also the type of loan you are looking for. Usually a short term loan can take as little as 30 minutes, which means funds can be sent to your account the same day as you are okay to apply. terms and conditions can change depending on your lender.

Short term loans are normally taken over a maximum term of 30 days so the APR is not the best way to see how competitive our rates are. Our lenders prefer to focus on the amount you pay back in total rather than on APR. We are confident that we offer the most competitive rates for this service.

Application requirements

Short term loan eligibility checks

UK resident

You must be a UK resident living in the UK

Over 18

You must be at least 18 years of age

UK bank account

You must have a valid UK bank account

Valid address

You must have a valid UK address

Regular income

You must be employed and receive a regular income

Able to repay

You must be able to repay the short term loan

Collection practices

What you need to know

If you can't make the monthly repayment then you'll need to get in touch with your loan provider as soon as you can. They will help you with your situation and get you back on track again. Talking to your lender will be the fastest way to reschedule your monthly loan repayments. Or, to also discuss further options.

These lenders will usually reserve the rights to utilise the Continuous Payment Authority to continue to then attempt to take your payment from your card up to 90 days past the due date. Please check your terms & conditions for further information.

Smart Loans UK Blog

Latest news on short term loans by Smart Loans UK

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

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