3 month loans


Select your loan options

How much? £

Number of repayments

repayments of

When is your next payday?

Repayment summary

Please ensure you can afford each of the repayments before applying.

Amount borrowed:
Length of borrowing:
First repayment date:
Instalment amount:
Total repayable:

Repayment summary

Please ensure you can afford each of the repayments before applying.

Amount borrowed:
Length of borrowing:
Date of repayment:
Interest per day:
Total repayable:

Please note: Calculation is for illustrative purposes only. The actual cost and repayment summary may vary based on affordability and pay dates.

Please note: Calculation is for illustrative purposes only. The actual cost and repayment summary may vary based on affordability and pay dates.

Representative Example:  £300 borrowed for 6 months. Annual interest rate of 179% (fixed). Total amount repayable is £461.70 in 6 monthly instalments of £76.95. Representative 444% APR

Apply for a short term loan in 3 steps

Apply for your loan

To apply for your short term loan, just select the amount you want to borrow and how long for. You could borrow between £100 - £2,000, repayable over 3 - 12 months. Please note that borrowing for longer can be more expensive.

Get a decision

We’ll make a lending decision based on the details you provide. All applications are subject to credit and affordability checks.

Money deposited

If your loan application has been approved, it will be finalised and deposited to your bank account subject to our final checks**

Ways to apply for your short term loan

Online

Fill out our application form online, and receive an instant lending decision.

Apply now

In-store

You can also apply for an instalment loans in one of our 230+ stores nationwide.

Find a store

By phone

Alternatively, call us on 0800 009 3565* to apply for a short term loan.

Contact us

What is the difference between 3 month loans and payday loans?

Payday loans are traditionally paid back in one lump sum on your next payday. Whilst they can be good if you need to make up a small shortfall in your cash flow, if you are unable to pay back the lump sum all at once it could create further cash flow problems.

3 month loans allow you to spread the repayment of your loan over a three month period. Whilst you may pay back more over the period of time, each monthly instalment is lower than if you were to pay the full amount back in one go.

Can I apply for a 3 month loan with The Money Shop?

At The Money Shop, we offer 3 month loans. In fact, you can apply for between £100 - £2,000, spread over 3 – 12 monthly instalments.

We don’t charge any fees on our loans: that’s no arrangement, late repayment or early repayment fees. All you pay back is your agreed interest. If you find that you have some extra money and would like to pay your loan back sooner, then you can do. In fact, by doing so, you’ll reduce the amount of interest you pay, as it’s calculated on a daily basis.

Apply online

3 month loan online repayments with The Money Shop

Loan amount

Repayment term

Monthly repayment amount

Total payable amount*

£100

3 months

£45.66

£136.98

£200

3 months

£91.33

£273.99

£500

3 months

£228.31

£584.93

£1,000

3 months

£370.50

£1,482

*for illustrative purposes only. Amounts may vary depending on your payday.

3 month loans UK providers

It’s important you do the research when applying for a short term loan, and you should ensure that you only consider lenders that are responsible.

We are regulated by the Financial Conduct Authority (FCA), and are members of the Consumer Finance Association (CFA), which means that our services comply with responsible lending guidelines.

Applying for a 3 month loan with The Money Shop

If you would like to apply for a loan with us, just follow the steps at the top of the page – you can apply online, in-store or over the phone; whichever is the most convenient for you!

Apply online

Important information about your online loan

Paying back short term loans

Your loan repayment(s) will be taken automatically on the contractual date(s) using your debit card. If your card details have changed please contact us urgently on 0800 009 3565* to update these.

There are no late repayment fees if you miss a payment for your loan, and we will not charge any additional interest. However, late repayment may result in us reporting this to the credit reference agencies, which may have a negative effect on your credit score.

If you’re an existing customer and would like to apply for an online loan, please do this through your online account, or alternatively, you can contact us on 0800 009 3565* to apply over the phone**.

We understand that your personal and financial circumstances can change. If this occurs, or if you are having trouble repaying your online loan, let us know as soon as possible by contacting us on 0800 009 3565*, and we will do our best to help.

Free debt advice

If you are experiencing financial difficulty, please click here to find information on non-fee charging agencies that provide independent advice.

Short term online loans should not be used as a long term financial solution

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