Small 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 simple steps

Apply for a loan

Select how much you want to borrow and how long for. You could borrow from £100 to £2,000; repayable over 3 to 12 months. Please note that borrowing for longer can be more expensive.

Get a decision

We’ll make a decision based on your application form. Applications are all subject to credit and affordability checks.

Money deposited

If your short term loan is 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

Apply for short term loans online by filling out our application form. You’ll receive an instant decision on your loan request.

Apply now

In-store

You can also apply for a loan in-store. With over 230 stores nationwide, there’s bound to be one near you!

Find a store

By phone

Alternatively, you can apply for short term loans over the phone. Just call us on 0800 009 3565**

Contact us

What are “small” loans?

It’s difficult to determine what a “small” loan is, as it’s very subjective. What one person may consider to be a small loan could be different to what someone else thinks.

Some loan providers will offer smaller amounts to borrow than others. It’s important to do your research when looking for “small” short term loans, and ask yourself how much you need to borrow.

What’s the difference between payday loans and short term loans?

There is one crucial difference between payday loans and small short term loans, and that is the number of repayments.

Payday loans can be used if you need to make up a small shortfall in your cashflow, and are able to pay it back in one lump sum. If you are unable to pay it back in one go then it could create more cashflow problems.

Short term loans enable you to spread the cost over monthly payments. At The Money Shop, our short term loans are repayable over 3 – 12 months, aligned to your payday. If you find that you have some extra money and want to repay your loan back earlier, then you can do.

In fact, by paying back earlier you could pay less, as our interest rates are calculated on a daily basis. Find out more about how our loans work here.

Apply online

Does The Money Shop offer small short term loans?

Again, this question is very subjective, and whilst one customer may think we offer small loans, others may not.

We enable you to apply for a short term loan of between £100 - £2,000, repayable over 3 – 12 months. You can apply for a loan with us online, in-store or over the phone.

Why choose The Money Shop for short term loans?

We’re a provider of financial services to a range of customers nationwide, and we pride ourselves on customer service.

When you’re looking for a provider for your short term loan needs, it’s important to only consider companies that are responsible. We’re regulated by the Financial Conduct Authority (FCA), and are members of the Consumer Finance Association (CFA), which means our services comply with responsible lending guidelines.

Apply online

Important information your short term loan

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 or come and visit us in-store. If you are experiencing financial difficulty, please click here to find information on non-charging agencies that can provide independent advice.

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

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