Short Term Loans


Select your loan options

How much? £

Number of repayments

    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:
    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: These rates are for new customers only+. Calculation is for illustrative purposes only. The actual cost and repayment summary may vary based on affordability and pay dates.

    Please note: These rates are for new customers only+. Calculation is for illustrative purposes only. The actual cost and repayment summary may vary based on affordability and pay dates.

    Representative Example: £200 borrowed for 3 months. Annual interest rate of 234% (fixed). Total amount repayable is £290.10 in 3 monthly instalments of £96.70. Representative 729% APR.

    Apply online for a loan in 3 simple steps:

    Apply

    Select how much you want to borrow and over how long. You could borrow from £100 to £1000 (£650 for new customers) repayable over 1 to 6 instalments

    Get a decision

    The details you provide on your application will be used to help us make a lending decision. All applications will be subject to credit and affordability checks

    Money Deposited

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

    Ways to apply:

    Online

    Complete our online application form and get an instant decision on your loan request

    Apply Now

    In-store

    You can apply for a loan in-store and with stores nationwide there’s bound to be a store near you!

    Find a store

    By Phone

    If you would like to apply for a loan by phone call our customer services team on 0800 009 3565*

    Contact us

    No fees, just convenient cash loans

    With a short-term loan from The Money Shop you can borrow from £100 to £1000** in increments of £10, subject to our credit and affordability checks. You can choose to repay your loan in 1 to 6 instalments.

    We don't charge any fees. No arrangement fee, no late repayment fees and no early repayment fees. All you pay for the loan is your agreed interest. In fact, you can reduce the amount of interest you pay if you decide to pay back early. 

    To find out more about how to apply for a loan online please view our how it works page or for more details on our rates please visit our loan charges page

                                          To apply for a loan in-store you'll need to bring your debit card, photo ID, proof of income and proof of address

    We're more than payday loans!

    Payday loans can be great for those who need to make up a small shortfall in their cashflow, but paying back that lump sum all at once might not be convenient for everyone - it may in fact create more cashflow problems. 

    At The Money Shop we offer short-term loans with instalment repayments. If you want it to be a payday loan which you repay in one go then it can be, or you can spread repayments of equal size over up to 6 months, although borrowing for longer can be more expensive. 

    New customer offer

    We're offering at least 20% off our rates to new customers as shown in the loan calculator above+. 

    All customers that are new to The Money Shop online will be eligible. Existing customers who paid off their last loan at least 6 months ago are also eligible.

    If you are unsure about whether you are eligible for these reduced rates please contact us.

    Apply online

    Request Callback

    Important information

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

    Your loan repayment(s) will be taken automatically on the contractual date(s) using your debit card, unless you prefer to cancel these and make alternate payments e.g. cash payments in-store. If your card details have changed please contact us urgently on 0800 009 3565* to update these.

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

    Please note that loan renewals are not offered for this product. If you are an existing customer and would like to apply for another loan, please do this through your online account. If you are experiencing financial difficulty, please click here to find information on non-fee charging agencies that can provide independent advice.

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

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