{"id":471,"date":"2019-11-15T00:00:18","date_gmt":"2019-11-15T00:00:18","guid":{"rendered":"https:\/\/learnbonds.com\/uk\/?page_id=471"},"modified":"2024-04-29T11:02:05","modified_gmt":"2024-04-29T11:02:05","slug":"best-short-term-loan-providers-sites","status":"publish","type":"page","link":"https:\/\/learnbonds.com\/uk\/short-term-loans","title":{"rendered":"Best Short Term Loan Providers &amp; Sites in 2021"},"content":{"rendered":"<p><img decoding=\"async\" class=\"alignright wp-image-476 size-full\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2019\/11\/Short-Term-Loans1-1.jpg\" alt=\"calender and dollar sack depicting short term loans\" width=\"301\" height=\"159\" srcset=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2019\/11\/Short-Term-Loans1-1.jpg 301w, https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2019\/11\/Short-Term-Loans1-1-300x158.jpg 300w\" sizes=\"(max-width: 301px) 100vw, 301px\" \/><\/p>\n<p>If you\u2019re looking to arrange short term funding, then this can come in a range of shapes and sizes. However, the specific short term loan type that you opt for will ultimately depend on two key factors \u2013 how <em>long<\/em> you need to borrow the money for, and how <em>much<\/em> you need to borrow. For example, if you\u2019re happy to spread the payments out over the course of 1 year, then your best option is likely to be a <a href=\"https:\/\/learnbonds.com\/uk\/personal-loans\">personal loan<\/a> \u2013 not least because the APR rates are likely to be more favourable.<\/p>\n<p>However, if you only need a small amount of money, then you might need to go with a more expensive payday loan. Either way, we will cover everything that you need to know in our <strong>Short Term Loan guide<\/strong>. Within it, we\u2019ll explain what a short term loan actually is, how they work, the different options available, how much you\u2019ll typically pay, and more.<\/p>\n<div data-accordeon class=\"toc-block\">\n  <div data-accordeon-item>\n    <div data-accordeon-title class=\"toc-title-wrapper\">\n      <div type=\"button\" class=\"toc-btn toc-btn_main\">\n          <svg width=\"12\" height=\"6\" viewBox=\"0 0 14 8\" class=\"icon\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n    <path d=\"M1 1L7 7L13 1\" stroke=\"#fff\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>\n          <\/div>\n      <span class=\"toc-title\">\n        In This Guide      <\/span>\n    <\/div>\n      <ul data-accordeon-content class=\"toc-list\" style=\"display: none;\">\n          <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#what_are_the_pros_and_cons_of_short_term_loans\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">What are the Pros and Cons of Short Term Loans?<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#reviewers_choice_of_best_short_term_loan_providers\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Reviewer\u2019s choice of best short term loan providers<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item subList-in-progress\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#how_to_apply_for_a_short_term_loan_read_our_step-by-step_guide\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">How to Apply for a Short Term Loan? Read our Step-by-step Guide:<\/a>\n\n          <button data-accordeon-title class=\"toc-btn\" type=\"button\">\n        <svg width=\"12\" height=\"6\" viewBox=\"0 0 14 8\" class=\"icon\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n    <path d=\"M1 1L7 7L13 1\" stroke=\"#060606\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>\n          <\/button>\n        <\/div>\n\n      <ol data-accordeon-content class=\"StepProgress-sub-list\" style=\"display: none;\" id=\"TOC1sublist-how_to_apply_for_a_short_term_loan_read_our_step-by-step_guide\">\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#step_1_decide_what_type_of_loan_you_want\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"3\">Step 1: Decide what type of loan you want<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#step_2_start_the_application_process\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"3\">Step 2: Start the application process<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#step_3_enter_your_personal_and_financial_information\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"3\">Step 3: Enter your personal and financial information<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#step_4_read_the_digital_loan_agreement_and_sign_it\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"3\">Step 4: Read the digital loan agreement and sign it<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#step_5_satisfy_the_verification_checks\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"3\">Step 5: Satisfy the verification checks<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#step_6_funding_and_repaying_the_money\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"3\">Step 6: Funding and repaying the money<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#criteria_used_to_rank_the_best_short_term_lenders\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"3\">Criteria used to rank the best short term lenders<\/a>\n          <\/li>\n          <\/ol>\n  <\/div>\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#what_is_a_short_term_loan\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">What is a Short Term Loan?<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item subList-in-progress\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#am_i_eligible_for_a_short_term_loan\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Am I eligible for a Short Term Loan?<\/a>\n\n          <button data-accordeon-title class=\"toc-btn\" type=\"button\">\n        <svg width=\"12\" height=\"6\" viewBox=\"0 0 14 8\" class=\"icon\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n    <path d=\"M1 1L7 7L13 1\" stroke=\"#060606\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>\n          <\/button>\n        <\/div>\n\n      <ol data-accordeon-content class=\"StepProgress-sub-list\" style=\"display: none;\" id=\"TOC1sublist-am_i_eligible_for_a_short_term_loan\">\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#i_credit_score\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"3\">I. Credit Score<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#ii_income\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"3\">II. Income<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#iii_current_debt_obligations\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"3\">III. Current Debt Obligations<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#iv_age_residency_and_uk_bank_account\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"3\">IV. Age, Residency, and UK Bank Account<\/a>\n          <\/li>\n          <\/ol>\n  <\/div>\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#glossary_of_loaning_terms\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Glossary of loaning Terms<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#faqs\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">FAQs:<\/a>\n\n        <\/div>\n\n    <\/li>      <\/ul>\n  <\/div>\n    <ul data-accordeon-content class=\"toc-list\" style=\"display: none;\">\n        <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#what_are_the_pros_and_cons_of_short_term_loans\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">What are the Pros and Cons of Short Term Loans?<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#reviewers_choice_of_best_short_term_loan_providers\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Reviewer\u2019s choice of best short term loan providers<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item subList-in-progress\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#how_to_apply_for_a_short_term_loan_read_our_step-by-step_guide\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">How to Apply for a Short Term Loan? Read our Step-by-step Guide:<\/a>\n\n          <button data-accordeon-title class=\"toc-btn\" type=\"button\">\n        <svg width=\"12\" height=\"6\" viewBox=\"0 0 14 8\" class=\"icon\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n    <path d=\"M1 1L7 7L13 1\" stroke=\"#060606\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>\n          <\/button>\n        <\/div>\n\n      <ol data-accordeon-content class=\"StepProgress-sub-list\" style=\"display: none;\" id=\"TOC1sublist-how_to_apply_for_a_short_term_loan_read_our_step-by-step_guide\">\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#step_1_decide_what_type_of_loan_you_want\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"3\">Step 1: Decide what type of loan you want<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#step_2_start_the_application_process\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"3\">Step 2: Start the application process<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#step_3_enter_your_personal_and_financial_information\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"3\">Step 3: Enter your personal and financial information<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#step_4_read_the_digital_loan_agreement_and_sign_it\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"3\">Step 4: Read the digital loan agreement and sign it<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#step_5_satisfy_the_verification_checks\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"3\">Step 5: Satisfy the verification checks<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#step_6_funding_and_repaying_the_money\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"3\">Step 6: Funding and repaying the money<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#criteria_used_to_rank_the_best_short_term_lenders\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"3\">Criteria used to rank the best short term lenders<\/a>\n          <\/li>\n          <\/ol>\n  <\/div>\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#what_is_a_short_term_loan\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">What is a Short Term Loan?<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item subList-in-progress\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#am_i_eligible_for_a_short_term_loan\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Am I eligible for a Short Term Loan?<\/a>\n\n          <button data-accordeon-title class=\"toc-btn\" type=\"button\">\n        <svg width=\"12\" height=\"6\" viewBox=\"0 0 14 8\" class=\"icon\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n    <path d=\"M1 1L7 7L13 1\" stroke=\"#060606\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>\n          <\/button>\n        <\/div>\n\n      <ol data-accordeon-content class=\"StepProgress-sub-list\" style=\"display: none;\" id=\"TOC1sublist-am_i_eligible_for_a_short_term_loan\">\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#i_credit_score\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"3\">I. Credit Score<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#ii_income\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"3\">II. Income<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#iii_current_debt_obligations\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"3\">III. Current Debt Obligations<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#iv_age_residency_and_uk_bank_account\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"3\">IV. Age, Residency, and UK Bank Account<\/a>\n          <\/li>\n          <\/ol>\n  <\/div>\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#glossary_of_loaning_terms\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Glossary of loaning Terms<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#faqs\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">FAQs:<\/a>\n\n        <\/div>\n\n    <\/li>    <\/ul>\n<\/div>\n\n<div class=\"su-note\"  style=\"border-color:#e5e54c;border-radius:3px;-moz-border-radius:3px;-webkit-border-radius:3px;\"><div class=\"su-note-inner su-u-clearfix su-u-trim\" style=\"background-color:#FFFF66;border-color:#ffffff;color:#333333;border-radius:3px;-moz-border-radius:3px;-webkit-border-radius:3px;\"><i class=\"omsc-icon sui sui-info-circle\" style=\"\"><\/i><strong>Note:<\/strong> To clarify, a short term loan is a loan that is taken out for less than 1 year. Lenders typically reserve their best rates for longer-term loans, so you\u2019ll likely pay a higher rate of interest on a short term loan.<\/div><\/div>\n<h2 id=\"what_are_the_pros_and_cons_of_short_term_loans\">What are the Pros and Cons of Short Term Loans?<\/h2>\n<div class=\"su-note\"  style=\"border-color:#EFEFEF50;border-radius:3px;-moz-border-radius:3px;-webkit-border-radius:3px;\"><div class=\"su-note-inner su-u-clearfix su-u-trim\" style=\"background-color:#EFEFEF50;border-color:#EFEFEF50;color:#333333;border-radius:3px;-moz-border-radius:3px;-webkit-border-radius:3px;\">\n<p><span style=\"font-weight: 400;\"><div class=\"su-row\"><div class=\"su-column su-column-size-1-2\"><div class=\"su-column-inner su-u-clearfix su-u-trim\"><\/span><\/p>\n<p><b>The Pros<\/b><\/p>\n<p><span style=\"font-weight: 400;\"><div class=\"su-list\" style=\"margin-left:0px\"><\/span><\/p>\n<ul>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> <span style=\"font-weight: 400;\">Perfect if you need to borrow funds quickly<\/span><\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> Keep control of your finances by paying the loan off in less than 1 year<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> Suitable for credit profiles of all sizes<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> Choose from an instalment loan or a payday loan<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> Complete the entire application online<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\"><\/div><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><\/div><\/div><div class=\"su-column su-column-size-1-2\"><div class=\"su-column-inner su-u-clearfix su-u-trim\"><\/span><\/p>\n<p><b>The Cons<\/b><\/p>\n<p><span style=\"font-weight: 400;\"><div class=\"su-list\" style=\"margin-left:0px\"><\/span><\/p>\n<ul>\n<li><i class=\"sui sui-remove\" style=\"color:#e31f28\"><\/i> <span style=\"font-weight: 400;\">Short term loans typically cost more than a longer-term loan<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\"><\/div><\/div><\/div><\/div><\/div><\/div><\/span><\/p>\n<h2 id=\"reviewers_choice_of_best_short_term_loan_providers\">Reviewer\u2019s choice of best short term loan providers<\/h2>\n<p>The short term loan space is now jam-packed with loan providers, with thousands of lenders now offering loans of all shapes and sizes. As great as consumer choice can be, this can also make it somewhat difficult to know which lender to go with. As such, we have listed the best three short term loan providers below. Before we do, be sure to read through the strict set of criteria that we implement before listing a loan provider on our site.<\/p>\n<div class=\"provider-list-container-0\"><div class=\"row fc-row provider-list-row\">\n    <div class=\"col-12 c-providerBox--loans\">\n        <div class=\"c-providerBox c-providerBox--learnbonds reviewers-choice\" id=\"provider-intro\">\n                            <div class=\"reviewers-choice-label\">\n                    <img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/plugins\/in-content-provider\/Library\/assets\/images\/entypo_shield.svg\" alt=\"\">\n                    Reviewers Choice                <\/div>\n                        <div class=\"c-providerBox--title-row\">\n\t\t        <div class=\"c-providerBox--title-name\">Piggy Bank<\/div>            <\/div>\n\n            <div class=\"c-providerBox--details-row row-eq-height row\">\n                <div class=\"c-providerBox--details c-providerBox--details-logo\">\n                    <img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/02\/piggy-bank-loans.png\" alt=\"\" class=\"provider-logo\">\n                <\/div>\n                <div class=\"c-providerBox--details-rating c-providerBox--title-rating d-inline-block d-md-none\">\n                    <div class=\"rating-star-label\">Rating<\/div>\n                    <div class=\"rating--star-container\">\n                        <div class=\"rating--star\" style=\"width: 92%;\"><\/div>\n                    <\/div>\n                <\/div>\n                                    <div class=\"c-providerBox--details c-providerBox--details-data provider_available_amount\">\n                        <div class=\"c-providerBox--details-data--label\">Available Loan Amount<\/div>\n                        <div class=\"c-providerBox--details-data--value\">\u00a3100 - \u00a31000<\/div>\n                    <\/div>\n                                    <div class=\"c-providerBox--details c-providerBox--details-data provider_available_term_length\">\n                        <div class=\"c-providerBox--details-data--label\">Available Term Length<\/div>\n                        <div class=\"c-providerBox--details-data--value\">7 days to 5 Months<\/div>\n                    <\/div>\n                                    <div class=\"c-providerBox--details c-providerBox--details-data provider_representative_apr\">\n                        <div class=\"c-providerBox--details-data--label\">Representative APR<\/div>\n                        <div class=\"c-providerBox--details-data--value\">1,255% up to 1698.1%<\/div>\n                    <\/div>\n                                <div class=\"c-providerBox--details c-providerBox--details-ctas\">\n                    <div class=\"c-providerBox--title-rating d-none d-md-inline-block\">\n                        Rating                        <div class=\"rating--star-container\">\n                            <div class=\"rating--star\" style=\"width: 92%;\"><\/div>\n                        <\/div>\n                    <\/div>\n\n                    <div class=\"signed-up-today d-none d-md-block\">\n                                                                                                <\/div>\n\n                    <a href=\"https:\/\/learnbonds.com\/visit\/piggy-bank\" class=\"btn btn-primary btn-learnbonds\" rel=\"sponsored\" data-relfix=\"1\">Visit Now                    <\/a>\n\n\t                                        <div class=\"c-providerBox--disclaimer-row\">\n                            <p class=\"c-providerBox--disclaimer-text\">PiggyBank Loans have now gone into Administration<\/p>\n                        <\/div>\n\t                                <\/div>\n            <\/div>\n\n            <div class=\"c-providerBox--footer\">\n                                                            <div class=\"c-providerBox--footer-data \">\n                            <div class=\"c-providerBox--footer-data--label\">Product Details<\/div>\n                            <div class=\"c-providerBox--footer-data--value\">\n                                <ul>\n                                    <li>Try our feature Payday Loan Supplier Instead<\/li>                                <\/ul>\n                            <\/div>\n                        <\/div>\n                                                                                <div class=\"c-providerBox--footer-data pro-con-data\">\n                            <div class=\"c-providerBox--footer-data--label\">Pros<\/div>\n                            <div class=\"c-providerBox--footer-data--value\">\n                                <ul>\n                                    <li class=\"pro-con-tick\">This company has now gone into administration<\/li>                                <\/ul>\n                            <\/div>\n                        <\/div>\n                                                                                <div class=\"c-providerBox--footer-data \">\n                            <div class=\"c-providerBox--footer-data--label\">Key Facts<\/div>\n                            <div class=\"c-providerBox--footer-data--value\">\n                                <ul>\n                                    <li>Piggy Bank are a Direct Lender<\/li><li>Available for Bad Credit Scores<\/li>                                <\/ul>\n                            <\/div>\n                        <\/div>\n                                                <\/div>\n\n                            <div class=\"c-providerBox--viewMore-row\">\n                    <a href=\"#\" class=\"c-providerBox--viewMore-btn\" data-show=\"show\">More Details<\/a>\n                    <a href=\"#\" class=\"c-providerBox--viewMore-btn hide\" data-show=\"hide\">Hide Details<\/a>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div><div class=\"row fc-row provider-list-row\">\n    <div class=\"col-12 c-providerBox--loans\">\n        <div class=\"c-providerBox c-providerBox--learnbonds \" id=\"provider-intro\">\n                        <div class=\"c-providerBox--title-row\">\n\t\t        <div class=\"c-providerBox--title-name\">Car Cash Point<\/div>            <\/div>\n\n            <div class=\"c-providerBox--details-row row-eq-height row\">\n                <div class=\"c-providerBox--details c-providerBox--details-logo\">\n                    <img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/car-cash-point-platinum-logo.jpg\" alt=\"\" class=\"provider-logo\">\n                <\/div>\n                <div class=\"c-providerBox--details-rating c-providerBox--title-rating d-inline-block d-md-none\">\n                    <div class=\"rating-star-label\">Rating<\/div>\n                    <div class=\"rating--star-container\">\n                        <div class=\"rating--star\" style=\"width: 84%;\"><\/div>\n                    <\/div>\n                <\/div>\n                                    <div class=\"c-providerBox--details c-providerBox--details-data provider_available_amount\">\n                        <div class=\"c-providerBox--details-data--label\">Available Loan Amount<\/div>\n                        <div class=\"c-providerBox--details-data--value\"> - <\/div>\n                    <\/div>\n                                    <div class=\"c-providerBox--details c-providerBox--details-data provider_available_term_length\">\n                        <div class=\"c-providerBox--details-data--label\">Available Term Length<\/div>\n                        <div class=\"c-providerBox--details-data--value\"><\/div>\n                    <\/div>\n                                    <div class=\"c-providerBox--details c-providerBox--details-data provider_representative_apr\">\n                        <div class=\"c-providerBox--details-data--label\">Representative APR<\/div>\n                        <div class=\"c-providerBox--details-data--value\"><\/div>\n                    <\/div>\n                                <div class=\"c-providerBox--details c-providerBox--details-ctas\">\n                    <div class=\"c-providerBox--title-rating d-none d-md-inline-block\">\n                        Rating                        <div class=\"rating--star-container\">\n                            <div class=\"rating--star\" style=\"width: 84%;\"><\/div>\n                        <\/div>\n                    <\/div>\n\n                    <div class=\"signed-up-today d-none d-md-block\">\n                                            <\/div>\n\n                    <a href=\"\" class=\"btn btn-primary btn-learnbonds\">Visit Now                    <\/a>\n\n\t                                <\/div>\n            <\/div>\n\n            <div class=\"c-providerBox--footer\">\n                            <\/div>\n\n                    <\/div>\n    <\/div>\n<\/div><div class=\"row fc-row provider-list-row\">\n    <div class=\"col-12 c-providerBox--loans\">\n        <div class=\"c-providerBox c-providerBox--learnbonds \" id=\"provider-intro\">\n                        <div class=\"c-providerBox--title-row\">\n\t\t        <div class=\"c-providerBox--title-name\">Peachy Loans<\/div>            <\/div>\n\n            <div class=\"c-providerBox--details-row row-eq-height row\">\n                <div class=\"c-providerBox--details c-providerBox--details-logo\">\n                    <img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/02\/Peachy-Loans-Logo.jpg\" alt=\"\" class=\"provider-logo\">\n                <\/div>\n                <div class=\"c-providerBox--details-rating c-providerBox--title-rating d-inline-block d-md-none\">\n                    <div class=\"rating-star-label\">Rating<\/div>\n                    <div class=\"rating--star-container\">\n                        <div class=\"rating--star\" style=\"width: 78%;\"><\/div>\n                    <\/div>\n                <\/div>\n                                    <div class=\"c-providerBox--details c-providerBox--details-data provider_available_amount\">\n                        <div class=\"c-providerBox--details-data--label\">Available Loan Amount<\/div>\n                        <div class=\"c-providerBox--details-data--value\">\u00a3100 - \u00a31000<\/div>\n                    <\/div>\n                                    <div class=\"c-providerBox--details c-providerBox--details-data provider_available_term_length\">\n                        <div class=\"c-providerBox--details-data--label\">Available Term Length<\/div>\n                        <div class=\"c-providerBox--details-data--value\">1 Month to 1 Year<\/div>\n                    <\/div>\n                                    <div class=\"c-providerBox--details c-providerBox--details-data provider_representative_apr\">\n                        <div class=\"c-providerBox--details-data--label\">Representative APR<\/div>\n                        <div class=\"c-providerBox--details-data--value\">720%<\/div>\n                    <\/div>\n                                <div class=\"c-providerBox--details c-providerBox--details-ctas\">\n                    <div class=\"c-providerBox--title-rating d-none d-md-inline-block\">\n                        Rating                        <div class=\"rating--star-container\">\n                            <div class=\"rating--star\" style=\"width: 78%;\"><\/div>\n                        <\/div>\n                    <\/div>\n\n                    <div class=\"signed-up-today d-none d-md-block\">\n                                            <\/div>\n\n                    <a href=\"https:\/\/learnbonds.com\/visit\/peachy\" class=\"btn btn-primary btn-learnbonds\" rel=\"sponsored\" data-relfix=\"1\">Visit Now                    <\/a>\n\n\t                                <\/div>\n            <\/div>\n\n            <div class=\"c-providerBox--footer\">\n                                                            <div class=\"c-providerBox--footer-data \">\n                            <div class=\"c-providerBox--footer-data--label\">Product Details<\/div>\n                            <div class=\"c-providerBox--footer-data--value\">\n                                <ul>\n                                    <li>Peachy Are A Direct Lender<\/li>                                <\/ul>\n                            <\/div>\n                        <\/div>\n                                                                                <div class=\"c-providerBox--footer-data pro-con-data\">\n                            <div class=\"c-providerBox--footer-data--label\">Pros<\/div>\n                            <div class=\"c-providerBox--footer-data--value\">\n                                <ul>\n                                    <li class=\"pro-con-cross\">Spread Payments Over Multiple Months<\/li><li class=\"pro-con-cross\">Funds within 1 hour of processing<\/li><li class=\"pro-con-tick\">Unavailable for those with current CCJs<\/li><li class=\"pro-con-tick\">Minimum Monthly Income of \u00a31000 Required<\/li>                                <\/ul>\n                            <\/div>\n                        <\/div>\n                                                                                <div class=\"c-providerBox--footer-data \">\n                            <div class=\"c-providerBox--footer-data--label\">Key Facts<\/div>\n                            <div class=\"c-providerBox--footer-data--value\">\n                                <ul>\n                                    <li>Loan application Accessible on any platform or device<\/li><li>Peachy Claim Now Hidden Fees<\/li><li>See Fees Upfront On Their Calculator<\/li>                                <\/ul>\n                            <\/div>\n                        <\/div>\n                                                <\/div>\n\n                            <div class=\"c-providerBox--viewMore-row\">\n                    <a href=\"#\" class=\"c-providerBox--viewMore-btn\" data-show=\"show\">More Details<\/a>\n                    <a href=\"#\" class=\"c-providerBox--viewMore-btn hide\" data-show=\"hide\">Hide Details<\/a>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div><\/div>\n<h2 id=\"how_to_apply_for_a_short_term_loan_read_our_step-by-step_guide\">How to Apply for a Short Term Loan? Read our Step-by-step Guide:<\/h2>\n<p>If you\u2019ve never applied for a short term loan before, we\u2019ve listed the key steps that you will need to take below. Be sure to read through these thoroughly before proceeding with your application!<\/p>\n<h3 id=\"step_1_decide_what_type_of_loan_you_want\">Step 1: Decide what type of loan you want<\/h3>\n<p><img decoding=\"async\" class=\"alignright wp-image-444\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2019\/11\/https___s3-eu-west-1.amazonaws.com_fta-ez-prod_ez_images_7_9_2_6_1686297-8-eng-GB_FCA_logo.jpeg\" alt=\"FCA logo\" width=\"238\" height=\"140\" srcset=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2019\/11\/https___s3-eu-west-1.amazonaws.com_fta-ez-prod_ez_images_7_9_2_6_1686297-8-eng-GB_FCA_logo.jpeg 700w, https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2019\/11\/https___s3-eu-west-1.amazonaws.com_fta-ez-prod_ez_images_7_9_2_6_1686297-8-eng-GB_FCA_logo-300x176.jpeg 300w\" sizes=\"(max-width: 238px) 100vw, 238px\" \/><\/p>\n<p>Your first port of call will be to decide what sort of loan package you need. This should cover the size of the loan that you require, and how long you need to pay it back. Once you have assessed the fundamentals, you will then need to find a trusted lender that can facilitate your loan. To help you along the way, we have listed the best 3 short term loan providers currently in the UK market further down in our guide.<\/p>\n<div class=\"su-note\"  style=\"border-color:#e5e54c;border-radius:3px;-moz-border-radius:3px;-webkit-border-radius:3px;\"><div class=\"su-note-inner su-u-clearfix su-u-trim\" style=\"background-color:#FFFF66;border-color:#ffffff;color:#333333;border-radius:3px;-moz-border-radius:3px;-webkit-border-radius:3px;\"><i class=\"omsc-icon sui sui-info-circle\" style=\"\"><\/i><strong>Note:<\/strong> If you choose a lender that isn\u2019t on our list of recommended providers, make sure that your chosen lender is regulated by the <a href=\"https:\/\/www.fca.org.uk\/\">Financial Conduct Authority<\/a> (FCA). This will ensure that the lender engages in ethical lending practices!.<\/div><\/div>\n<h3 id=\"step_2_start_the_application_process\">Step 2: Start the application process<\/h3>\n<p><img decoding=\"async\" class=\"alignright wp-image-443\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2019\/11\/Screenshot-2019-11-14-at-08.51.30.png\" alt=\"sample loan aplication page\" width=\"236\" height=\"158\" srcset=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2019\/11\/Screenshot-2019-11-14-at-08.51.30.png 635w, https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2019\/11\/Screenshot-2019-11-14-at-08.51.30-300x201.png 300w\" sizes=\"(max-width: 236px) 100vw, 236px\" \/><\/p>\n<p>Once you have found a suitable short term loan provider, you will then to start the online application. Simply enter the amount of money that you want to borrow alongside the number of weeks\/months you need to pay it back, and move to the next stage of the application.<\/p>\n<h3 id=\"step_3_enter_your_personal_and_financial_information\">Step 3: Enter your personal and financial information<\/h3>\n<p>Irrespective of what loan type you are applying for, you will always need to provide the lender with a range of information linked to your identity and financial standing. Regarding the former, this will include your full name, home address, date of birth, residency status, telephone number, and email address. When it comes to your financial standing, you will initially need to let the lender know what your employment status is, how much you earn each month, the name and location of your employer, and how frequently you get paid.<\/p>\n<p>Furthermore, the lender will also ask you some question regarding your current and previous relationship with credit. Notably, this will include what debt obligations you currently have outstanding, such as other loans, credit cards, or store cards.<\/p>\n<h3 id=\"step_4_read_the_digital_loan_agreement_and_sign_it\">Step 4: Read the digital loan agreement and sign it<\/h3>\n<p>Within 30-60 seconds of submitting your application, the lender will let you know whether or not your application was successful. If it was, you will now be able to view your respective loan terms. Be sure to read through the terms thoroughly, as this will outline the APR you\u2019ll be paying, and what your weekly\/monthly payments will amount to. Furthermore, you\u2019ll also need to assess what late or missed payment fees the lender charges in the unfortunate event that you fall behind on the loan.<\/p>\n<p>If you\u2019re happy with the terms of the loan, then you\u2019ll now need to enter your bank account details. This is the bank account that your loan funds will be transferred to. Moreover, you\u2019ll likely be asked to set up a direct debit from this bank account so that you can make your repayments automatically. Finally, sign the loan agreement to complete the application.<\/p>\n<h3 id=\"step_5_satisfy_the_verification_checks\">Step 5: Satisfy the verification checks<\/h3>\n<p>There may come a time where the lender requires a bit more information from you before they can transfer your loan funds across. If they do, this is likely to be in relation to your employment status. We often find that lenders will ask for a copy of your recent payslip to verify your stated income, or to validate your place of work. Alternatively, they might call you at your place of work to do this, although they will let you know beforehand.<img decoding=\"async\" class=\"alignright wp-image-446\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2019\/11\/Screen-Shot-2017-10-14-at-11.41.03-PM.png\" alt=\"Sample pay advice for loan application page\" width=\"347\" height=\"169\" srcset=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2019\/11\/Screen-Shot-2017-10-14-at-11.41.03-PM.png 1878w, https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2019\/11\/Screen-Shot-2017-10-14-at-11.41.03-PM-300x146.png 300w, https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2019\/11\/Screen-Shot-2017-10-14-at-11.41.03-PM-768x374.png 768w, https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2019\/11\/Screen-Shot-2017-10-14-at-11.41.03-PM-1024x498.png 1024w\" sizes=\"(max-width: 347px) 100vw, 347px\" \/><\/p>\n<h3 id=\"step_6_funding_and_repaying_the_money\">Step 6: Funding and repaying the money<\/h3>\n<p>Once the lender is satisfied with your identity and employment checks, they will then transfer the loan funds into your bank account. You will then, of course, need to start making your weekly or monthly payments. As you will have likely set up a direct debit, this will come out of your bank account on the agreed payment date(s) automatically. As such, make sure that you always have enough money in your account to cover the payments.<\/p>\n<h3 id=\"criteria_used_to_rank_the_best_short_term_lenders\">Criteria used to rank the best short term lenders<\/h3>\n<ul>\n<li>Lenders with the most competitive interest rates<\/li>\n<li>How much the lender is able to offer<\/li>\n<li>What credit score you need to obtain the short term loan<\/li>\n<li>What loan terms are available<\/li>\n<li>Registered with the FCA as an approved UK lender<\/li>\n<\/ul>\n<h2 id=\"what_is_a_short_term_loan\">What is a Short Term Loan?<\/h2>\n<p>In its most basic form, a <a href=\"https:\/\/learnbonds.com\/uk\/short-term-loans\">short term loan<\/a> is simply a loan that comes with a repayment term of less than 12 months. This makes the term a broad one, as a short term loan could, in theory, cover both a payday loan <em>and<\/em> an instalment loan \u2013 as long as it does not exceed a loan term of 1 year. For example, while you might require a short term loan of \u00a3200 to cover the costs of a leaking pipe, equally, a short term loan might also see you borrow \u00a33,000 over the space of 12 months to pay for an upcoming holiday.<\/p>\n<p>With that being said, here\u2019s a quick breakdown of the two main short term loan types.<\/p>\n<div class=\"su-list\" style=\"margin-left:0px\">\n<ul>\n<li><i class=\"sui sui-search\" style=\"color:#666a64\"><\/i> \n<h3>Payday Loan<strong>\u00a0<\/strong><\/h3>\n<\/li>\n<\/ul>\n<p><img decoding=\"async\" class=\"alignright wp-image-435\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2019\/11\/3.jpg\" alt=\"Payday Loans\" width=\"223\" height=\"149\" srcset=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2019\/11\/3.jpg 1000w, https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2019\/11\/3-300x200.jpg 300w, https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2019\/11\/3-768x512.jpg 768w\" sizes=\"(max-width: 223px) 100vw, 223px\" \/><\/p>\n<p>You might need to choose from one of the <a href=\"https:\/\/learnbonds.com\/uk\/payday-loans\">best payday loans<\/a> if the amount of money that you require is very low. For example, while personal loan companies will typically not facilitate a loan for less than \u00a31,000, payday loan firms typically offer loans from just \u00a3100 \u2013 sometimes less.<\/p>\n<p>As you may well know, payday loans often come with a really high rate of interest, so you\u2019ll need to bear this in mind before proceeding. On the other hand, if you only need to borrow a very small amount, then you\u2019ll likely have no other option, not least because personal loans require you to borrow much more.<\/p>\n<ul>\n<li><i class=\"sui sui-search\" style=\"color:#666a64\"><\/i> \n<h3>Personal Loan<strong>\u00a0<\/strong><\/h3>\n<\/li>\n<\/ul>\n<p><img decoding=\"async\" class=\"alignright wp-image-371\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2019\/11\/personal_loan-k29D-621x414@LiveMint.jpg\" alt=\"Name persona loans on paper bveside a green highligher and reading glasses\" width=\"322\" height=\"214\" srcset=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2019\/11\/personal_loan-k29D-621x414@LiveMint.jpg 621w, https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2019\/11\/personal_loan-k29D-621x414@LiveMint-300x200.jpg 300w\" sizes=\"(max-width: 322px) 100vw, 322px\" \/><\/p>\n<p>If you need to borrow a slightly larger amount of money, then you might be best off going with a <a href=\"https:\/\/learnbonds.com\/uk\/personal-loans\">personal loan<\/a>. However, it is important to remember that in most cases, the minimum loan term will sit at 12 months.<\/p>\n<p>On the flip side, personal loans will usually come with a much more favourable rate of interest in comparison to a payday loan, especially if you are in receipt of a healthy credit score. Just remember, if you take out a personal loan of more than 1 year, then this is then considered a long term loan.<\/div>\n<h2 id=\"am_i_eligible_for_a_short_term_loan\">Am I eligible for a Short Term Loan?<\/h2>\n<p>While some lenders will offer exceptionally good rates on short term loans, they will typically tailor their packages towards borrowers with a good credit profile. With that being said, there is also a plethora of lenders that offer their loans to those with poor, or very poor credit profiles. As such, the minimum eligibility requirements will vary depending on the short term loan provider you go with.<\/p>\n<p>Nevertheless, here is a quick breakdown of some of the key metrics that short term loan lenders will look for when you go through the application process.<\/p>\n<h3 id=\"i_credit_score\">I. Credit Score<\/h3>\n<p>Most lenders will need to run a credit check on you when you apply for a short term loan. This allows lenders to determine whether or not you are suitable for the loan, and if you are, how much interest they should charge you to offset the risks. If you believe that your credit score is damaged, you might be able to find a no credit check lender. Rather than basing their decision on your credit score per-say, they\u2019ll instead look at other metrics such as your income.<\/p>\n<h3 id=\"ii_income\">II. Income<\/h3>\n<p>Short term loan providers will always ask you about your income. This not only includes your employment status (full-time, part-time, self-employed, etc.), but more crucially \u2013 how much you earn. The overarching reason for this is that the lender needs to feel satisfied that you have the means to repay your loan back on time. As such, most lenders will state that you need to have a minimum income in order to qualify for the loan. Once again, if you are opting for a payday loan lender, you might be eligible even if you are on a low income.<\/p>\n<h3 id=\"iii_current_debt_obligations\">III. Current Debt Obligations<\/h3>\n<p>Although you might be in possession of a good credit score and a reasonably good income, this doesn\u2019t necessarily mean that you will be eligible for a short term loan. The reason for this is that the lender will need to assess what debts you currently have outstanding. For example, if you currently have large balances outstanding across multiple loans and credit cards, the lender might deem that taking out an additional debt product is too risky for you and thus \u2013 decline the application.<\/p>\n<h3 id=\"iv_age_residency_and_uk_bank_account\">IV. Age, Residency, and UK Bank Account<\/h3>\n<p>The final eligibility requirements that you will need to take into account \u2013 irrespective of the short term loan provider you go with, is with respect to your age, residency status, and bank account. In a nutshell, you will need to be aged at least 18 in order to qualify for a short term loan, and have been a UK resident for at least 3 years. Moreover, you will also need to have a valid UK bank account. This is to ensure that you can set up a direct debit agreement on your loan repayments.<\/p>\n                                        <div class=\"inContentProviderSingle inContentColor--learnbonds fc-row\">\n                        <div class=\"inContentProviderSingle--wrapper\">\n                            <div class=\"container\">\n                                <div class=\"row mb-lg-3\">\n                                    <div class=\"col-12 col-md-8\">\n                                        <p class=\"inContentProviderSingle--title\">Apply Now for a Payday Loan With Piggy Bank<\/p>\n                                    <\/div>\n                                    <div class=\"col-12 col-md-4\">\n                                        <div class=\"inContentProviderSingle--rating\">\n                                            <div class=\"rating--holder\">\n                                                <p class=\"rating--text\">Our Rating<\/p>\n                                                <div class=\"rating--star-container\">\n                                                    <div class=\"rating--star\" style=\"width: 92%;\"><\/div>\n                                                <\/div>\n                                            <\/div>\n                                        <\/div>\n                                    <\/div><!--\/.col-md-4-->\n                                <\/div><!--\/.row-->\n                                <div class=\"row\">\n                                    <!-- *******  Desktop Provider Logo ********** -->\n                                    <div class=\"col-12 col-md-12 text-center d-block d-sm-block d-md-none d-lg-none\">\n                                        <img decoding=\"async\" class=\"inContentProviderSingle--img mb-3\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/02\/piggy-bank-loans.png\" alt=\"Piggy Bank Loans\" width=\"125\" height=\"60\">\n                                    <\/div>\n\n                                    <div class=\"col-12 col-md-8\">\n                                                                            <\/div>\n                                    <!-- *******  Desktop Provider Logo ********** -->\n                                    <div class=\"col-12 col-md-4 d-none d-sm-none d-md-block d-lg-block\">\n                                        <img decoding=\"async\" class=\"inContentProviderSingle--img float-right\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/02\/piggy-bank-loans.png\" alt=\"Piggy Bank Loans\" width=\"125\" height=\"60\">\n                                    <\/div>\n                                <\/div><!--\/.row-->\n                                <div class=\"row\">\n                                    <div class=\"col-12 text-center\">\n                                                                                    <div class=\"inContentProviderSingle--button\">\n                                                                                                <a href=\"https:\/\/learnbonds.com\/visit\/piggy-bank\" title=\"Start Trading\" rel=\"sponsored\" data-relfix=\"1\">APPLY NOW<\/a>\n                                            <\/div>\n                                                                                <div class=\"inContentProviderSingle--disclaimerText\">\n                                            PiggyBank Loans have now gone into Administration                                        <\/div>\n                                    <\/div>\n                                <\/div><!--\/.row-->\n                            <\/div><!--\/.container-->\n                        <\/div><!--\/.inContentProviderSingle--wrapper-->\n                    <\/div><!--\/.inContentProvider--single-->\n                            \n            \n<h2 id=\"glossary_of_loaning_terms\">Glossary of loaning Terms<\/h2>\n\n\t\t<div class=\"glossary-component--container\">\n\t\t\t<div class=\"glossary-component--inner\">\n\t\t\t\t<div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Credit-Score.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Credit Score<\/span><\/div><div class=\"glossary-component--term-text\"><p>A credit score shows your creditworthiness. It's primarily based on how much money you owe to loan or credit card companies, if you have ever missed payments or if you have ever defaulted on a loan. <\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Guaranteed.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Guaranteed Approval <\/span><\/div><div class=\"glossary-component--term-text\"><p>Guaranteed Approval is when, no matter how bad, your credit score its, your loan application will not get declined.\r\n<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Credit-Limit.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Credit Limit <\/span><\/div><div class=\"glossary-component--term-text\"><p>A Credit Limit is the highest amont of credit a lender will lend to the borrower.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Collateral.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Collateral<\/span><\/div><div class=\"glossary-component--term-text\"><p>Collateral is when you put up an item against your loan such as your house or car. These can be repossessed if you miss payments.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Cash-Advance.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Cash Advance  <\/span><\/div><div class=\"glossary-component--term-text\"><p>A Cash Advance is a short-term loan that has steep interest rates and fees.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Credit-Rating.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Credit Rating<\/span><\/div><div class=\"glossary-component--term-text\"><p>Your Credit Rating is how likely you are to fulfill your loan payments and how risky you are as a borrower.\r\n<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Fixed-Interest.png\" alt=\"Stocks Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Fixed Interest Rate<\/span><\/div><div class=\"glossary-component--term-text\"><p>Fixed Interest Rate is when the interest rate of your loan will not change over the period you are paying off you loan.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Interest.png\" alt=\"Stocks Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Interest <\/span><\/div><div class=\"glossary-component--term-text\"><p>The Interest is a percentage based on the amount of your loan that you pay back to the lender for using their money<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Default.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Default <\/span><\/div><div class=\"glossary-component--term-text\"><p>If you default on your loan it means you are unable to keep up with your payments and no longer pay back your loan.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Late-Fee.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Late Fee<\/span><\/div><div class=\"glossary-component--term-text\"><p>If you miss a payment the lender will charge you for being late, this is known as a late fee.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Unsecured.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Unsecured Personal Loan<\/span><\/div><div class=\"glossary-component--term-text\"><p>An Unsecured Personal Loan is when you have a loan based solely on your creditworthliness without using collateral.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Secured-Loan.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Secured Loan<\/span><\/div><div class=\"glossary-component--term-text\"><p>A Secured Loan is when you put collateral such as your house or car up against the amount you're borrowing.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Prime-Rate.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Prime Rate<\/span><\/div><div class=\"glossary-component--term-text\"><p>This is the Interest Rate used by banks for borrowers with good credit scores.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Principle.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Principal<\/span><\/div><div class=\"glossary-component--term-text\"><p>The Principal amount the borrower owes the lender, not including any  interest or fees.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Variable-Rate.png\" alt=\"Stocks Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Variable Rate<\/span><\/div><div class=\"glossary-component--term-text\"><p> A Variable Rate is when the interest rate of you loan will change with inflation. Sometimes this will lower your interest rate, but other times it will increase. <\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Installment-Loan.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Installment Loan<\/span><\/div><div class=\"glossary-component--term-text\"><p>An Installment Loan is a loan that is paid back bi-weekly or monthly over the period in which the loan is borrowed for.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Bridge-Loan.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Bridge Loan <\/span><\/div><div class=\"glossary-component--term-text\"><p>A Bridge Loan is a short term loand that can last from 2 weeks up to 3 years dependant on lender.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/AAA-Credit.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>AAA Credit<\/span><\/div><div class=\"glossary-component--term-text\"><p>Having an AAA Credit Rating is the highest rating you can have.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Guarantor.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Guarantor <\/span><\/div><div class=\"glossary-component--term-text\"><p>A Guarantor co-signs on a loan stating the borrower is able to make the payments, but if they miss any or default the Guarantor will have to pay.\r\n\r\n\r\n\r\n<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/LIBOR.png\" alt=\"Stocks Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>LIBOR <\/span><\/div><div class=\"glossary-component--term-text\"><p>LIBOR is the London Inter-Bank Offered Rate which is the benchmarker for the interest rates in London. It is an average of the estimates interest rates given by different banks based on what they feel would be the best interest rate for future loans.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Home-Equity.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Home Equity Loans <\/span><\/div><div class=\"glossary-component--term-text\"><p>Home Equity Loans is where you borrow the equity from your property and pay it back with interest and fees over an agreed time period with the lender.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Debt.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Debt Consolidation <\/span><\/div><div class=\"glossary-component--term-text\"><p>Debt Consolidation is when you take out one loans to pay off all others. This leads to one monthly payment, usually with a lower interest rate.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Federal-Student.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Student Loan<\/span><\/div><div class=\"glossary-component--term-text\"><p>If you obtain a Student Loan to pay your way through College then you loan is held with the Department for Education U.K.\r\n\r\n\r\n<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Broker.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Student Grants<\/span><\/div><div class=\"glossary-component--term-text\"><p>Financial Aid in the form of grants is funding available to post-secondary education students throughout the United Kingdom and you are not required to pay grant<\/p><\/div><\/div>\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n<h2 id=\"faqs\">FAQs:<\/h2>\n<div class='man_faq_sec' itemscope itemtype='https:\/\/schema.org\/FAQPage'> <\/time><time itemprop=\"dateModified\" datetime=\"2020-02-05 13:56:11\"><\/time><script>jQuery(document).ready(function() {\r\n\t\t\tjQuery('.accordionButton').on('click', function() {\r\n\r\n\t\t\t\t\/\/REMOVE THE ON CLASS FROM ALL BUTTONS\r\n\t\t\t\tjQuery('.accordionButton').removeClass('on');\r\n\t\t\t\t\t\r\n\t\t\t\t\/\/NO MATTER WHAT WE CLOSE ALL OPEN SLIDES\r\n\t\t\t\tjQuery('.accordionContent').slideUp('normal');\r\n\t\t\t\r\n\t\t\t\t\/\/IF THE NEXT SLIDE WASN'T OPEN THEN OPEN IT\r\n\t\t\t\tif(jQuery(this).closest('.ms_faq').find('.accordionContent').is(':hidden') == true) {\r\n\t\t\t\t\t\r\n\t\t\t\t\t\/\/ADD THE ON CLASS TO THE BUTTON\r\n\t\t\t\t\tjQuery(this).closest('.ms_faq').find('.accordionButton').addClass('on');\r\n\t\t\t\t\t\t\r\n\t\t\t\t\t\/\/OPEN THE SLIDE\r\n\t\t\t\t\tjQuery(this).closest('.ms_faq').find('.accordionContent').slideDown('normal');\r\n\t\t\t\t} \r\n\t\t\t\t\t\r\n\t\t\t\t});\r\n\t\t\t});\r\n\t\t\t<\/script><section class=\"ms_faq ms_card \" ><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"accordionButton\"><h3 itemprop=\"name\">What is a short term loan?<\/h3> <\/div>\n<div class=\"accordionContent\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none;\"><p itemprop=\"text\">In its purest form, a short term loan is a loan that comes with a term of less than 12 months. This could be anything from a payday loan of 7 days, up to a fully-fledged personal loan with instalments being made over the course of 1 year.<\/p>\r\n                <\/div><\/div><\/section>\n<section class=\"ms_faq ms_card \" ><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"accordionButton\"><h3 itemprop=\"name\">Do I need to have a good credit score to get a short term loan?<\/h3> <\/div>\n<div class=\"accordionContent\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none;\"><p itemprop=\"text\">Due to the sheer size of the online lending space, there are now short term loans available for all credit profiles. If you have great credit, then you\u2019ll benefit from the best interest rates. However, if your credit is less than ideal, you will still likely find a suitable short term loan lender, albeit, your interest will be much higher.<\/p>\r\n                <\/div><\/div><\/section>\n<section class=\"ms_faq ms_card \" ><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"accordionButton\"><h3 itemprop=\"name\">How quickly can I get a short term loan?<\/h3> <\/div>\n<div class=\"accordionContent\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none;\"><p itemprop=\"text\">If you are opting for a conventional payday loan lender, then you might be able to get the funds in as quickly as one hour. However, this is on the proviso that the lender is able to verify your information electronically, without the need of supporting documentation.<\/p>\r\n                <\/div><\/div><\/section>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Short Term Loan Providers &#038; Sites in 2020<br \/>\nHow do you apply for short-term loan? Who are the best lenders? We tell you all about short-term loans and lenders here<\/p>\n","protected":false},"author":632,"featured_media":477,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"class_list":["post-471","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":{"show_disclaimer":false},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best Short Term Loan Providers &amp; Sites 2025 | Learnbonds<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/learnbonds.com\/uk\/short-term-loans\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Best Short Term Loan Providers &amp; 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