6 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 an instant 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

Visit one of our 230+ stores nationwide to apply for a short term loan

Find a store

By phone

Alternatively, call our friendly customer service team on 0800 009 3565*

Contact us

What is the difference between 6 month loans and payday loans?

Traditionally, payday loans are used if you need to make a small shortfall in your cash flow, which you pay back in a lump sum once you’ve been paid. However, it can create further cash flow problems if you aren’t able to pay the full amount in one go.

6 month loans enable you to pay back your loan over 6 monthly instalments. Whilst borrowing for longer means you pay back more in total; individual repayments are lower than one full repayment.

Apply online

Does The Money Shop offer 6 month loans?

We do offer 6 month loans, with our short term loan options. You can choose to apply for between £100 - £2,000; repayable over 3 – 12 monthly instalments aligned to your payday.

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 can afford to pay your loan back sooner than expected then that’s fine. By doing so, you’ll reduce the amount of interest you pay as this is calculated on a daily basis.

6 month loan online repayments with The Money Shop

Loan amount

Repayment term

Monthly repayment amount

Total payable amount*

£100

6 months

£24.61

£147.66

£200

6 months

£49.23

£295.38

£500

6 months

£128.58

£771.48

£1,000

6 months

£257.17

£1,543.02

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

6 month loans UK providers

When you are researching different loan providers, it’s important that you only consider companies that are responsible.

At The Money Shop, not only are we regulated by the Financial Conduct Authority (FCA); we’re also members of the Consumer Finance Association (CFA). This means that our services comply with responsible lending guidelines.

Applying for a 6 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

Our other services