Short term loans from £100 to £5,000

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Representative 49.9% APR. Representative Example: Borrowing £1,000 over 12 months, repaying £103.06 per month, total repayable £1,236.72. Interest rate 49.9% (variable).

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At Choose Wisely, we understand that looking for short term loans can be overwhelming, that’s why we pride ourselves on delivering straightforward price comparison with simple and easy to understand tools. We use state of the art technology to provide you with a journey that keeps you in control at all times.

Our short term loan application form takes just a few minutes to complete. Simply enter a few key pieces of information, and we will provide a comparison of approved results from top UK lenders.

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Excellent choice if you need a loan. Great customer service and even a follow up email. Will definitely be using again if I need to.
Theresa Brogan,
Very easy process, saved having to search individual companies, enabled me to choose the loan provider that suited my needs.

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Short term loans

Have you had an emergency and need a short term loan? Maybe your car has broken down and needs repairing or you've received a massive bill out of the blue? Short term loans can be a fast answer to cover this kind of unexpected expense. Short term loans can be expensive though and failing to repay a short term loan can have a detrimental effect on your financial health. So make sure you get to know your options and choose wisely.

What is a short term loan?

Short term loans are pretty much what they say on the tin. Small loans that allow you to borrow money repaying it over a short period of time. This period is usually two or three months and always less than a year.

Because, of their short term nature, short term lenders charge relatively high interest rates - cheaper than reaching your overdraft limit but typically more expensive than a larger, long term loan. Therefore, it is important that you look at all the options available to you before taking out a short term loan. If you're clever though, you can hustle yourself a reasonable deal on a short term loan as the quicker you pay back the loan, the less interest you'll pay.

Our short term loans guides

Important Information

Choose Wisely is a trading style of Choose Wisely Limited and is a free to use price comparison website. Choose Wisely Limited is authorised and regulated by the Financial Conduct Authority as a credit broker not a lender, firm reference number 730574 and is registered with the Information Commissioner’s Office number Z3106681. Choose Wisely Limited is registered at Telephone House, 18 Christchurch Road, Bournemouth BH1 3NE , Company Number 07580462.

Representative 49.9% APR. Representative Example: Borrowing £1,000 over 12 months, repaying £103.06 per month, total repayable £1,236.72. Interest rate 49.9% (variable).

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