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Representative 49.9% APR. Representative example: Amount of credit: £750 for 12 months at £77.29 per month. Total amount repayable is £927.48. Interest charged is £177.48, interest rate 49.9% pa (variable). Rates from 11.8% APR to 1575% APR - your Free*, No obligation quote and APR will be based on your personal circumstances, and Finance is subject to availability and status. Authorised and regulated by the Financial Conduct Authority. We are a credit broker and not a lender.

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Short Term Loans

How to find the best Short Term Loans

The bewildering choice of financial products designed for emergency use has left some people confused about what short-term loans are. The name says it all. It is a loan for a short period of time.

The typical repayment period of a short-term loan is 12 months or less. However, not all short-term loans are the same. This article will help you choose the best short-term loan for your needs.

What are Short Term Loans used for?

The most common reason for taking out short-term loans is to cover an emergency financial situation, such as an urgent car repair or other unexpected expense that you need to repay over several weeks or months.

Payday loans differ from short-term loans in that they usually must be repaid after 30 days.

Historically, short-term loans have been a popular way of borrowing money to pay urgent bills and spreading the cost over a manageable period.

The popularity of short-term loans is due to the speed at which lending decisions can be made and that often little or no security is required for the loan. Many short-term loans companies offer easy and quick online application procedures and quick decisions.

How to find the best Short Term Loans

When comparing short-term loans, many people just consider the annual percentage rate, also called the APR. This is only part of the story.

You must check all of the terms and conditions offered by the lenders you are considering, as these can vary considerably. Here are some of the points you should consider:

What is the APR?
Is the rate of interest fixed for the term of the loan, or can the lender change it?
What is the total amount you will have to repay?
Can you pay off the loan by regular instalments?
Can you pay off the loan early?
How are the loan repayments to be made? For example, by direct debit from your bank account. Can you choose how you repay the loan?
Does the lender offer a way to reduce the rate of interest charged?

Ensure you get the best deal by checking these and all the loan terms before choosing a loan company.

Please remember late payments can cause you serious money problems. For more help, please visit Money Helper

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