Borrow up to £5000

Short term loan credit broker

At Loan Circle, we work with several lenders that specialise in providing short term loans from £250 - £5000, spread between 1 month and 60 months.

REPRESENTATIVE 1333% APR 1 . Representative example: £200 borrowed for 180 days. Total amount repayable is £386.61 in 6 monthly instalments of £64.44. Interest charged £186.61. We are a Financial Services Authority (FCA) licenced Credit Broker and not a lender.

Loans For Any Purpose

Whether you need a new vehicle to get from a to b in, your house needs improvements, or you are looking to combine existing debts, you are welcome to apply with Loan Circle. Unlike other companies, our lenders do not discriminate, and consider each application on their individual merits.


Home Loan

Does your home need a lick of paint? Is there work you can do to add value to your home? You can apply for up to £5000 today.


Car Loan

Has your car or motorbike seen better days? Would it be safer to upgrade your current vehicle? You could spread your loan over 60 months.


Wedding Loan

Have you been saving for the big day, but need a bit extra for your dream wedding? A wedding boost of up to £5000 could help.


Holiday Loan

A holiday can work wonders for our mental health, and you don't have to spend lots. Get away from it all with a short term loan.


Education Loan

Would you like to further your career and prospects by getting a qualification? Apply today to book your perfect online course.


Debt Consolidation

Combining several smaller debts into one could save you money 2 . Spread debt over a longer period.

Reasons To Apply

We have designed our systems to be as quick and efficient as possible. In just one application, we will
present your request to many lenders, who will ping us a response back in no time at all. Here are just a few of the reasons why you're in good hands, with Loan Circle.

Application To Cash in 10 Minutes*
All Credit Types Considered*
Flexible Repayments Of 3-60 Months
No Paperwork Required

* REPRESENTATIVE 1333% APR 1 . Representative example: £200 borrowed for 180 days. Total amount repayable is £386.61 in 6 monthly instalments of £64.44. Interest charged £186.61.

Frequently Asked Questions

We understand that finding a loan can be confusing and time-consuming - which is why we offer our service to help. However, if you're still wondering quite how it all works, then read on!

No, we are not a direct lender - we do not provide loans directly. What we are able to do though, is take just one quick application, and present it to many lenders in the background. What this means is that if one or more lenders reject your application, there is no need to search for another lender, and start a brand new application. We aim to save to time and inconvenience. Don't forget too, that any offer we may find you comes with no obligation to commit.
Whilst this may surprise you, we don't charge a penny to our customers! This may sound too good to be true, and we are not a charity, but we do receive small remuneration from our panel of lenders, should you accept their offer. This helps us maintain our systems, in order to continue to make finding a short term loan easy.
We cannot provide an exact figure on this, because an actual APR figure is based on various indicators, and will be different from customer to customer. Also, as we are not a direct lender, every lender will have different rules on what affects the APR given, and how much that difference will be. Due to customer integrity and data protection laws, we are not told what APR a customer is offered. However, we do regularly speak to the lenders to ask what their representative APR is, and average these out across our panel, to provide our customers with a guide representative APR of 1333%. You can expect your offered APR to be anything between 45.3% and 1721%, depending on things like the amount required, the length of time needed to repay, and other personal, financial circumstances.
The criteria for applying is quite low. As long as you are 18 years or older, live in the UK, and have a monthly income of over £500, you are welcome to apply for a loan through us.
Yes, that's fine! We do work with several lenders who can offer loans to those with a bad credit history. We do not guarantee that we will be able to find you a loan, and it is important to note that the APR offered in this instance may well be higher than our representative APR, but you can still apply. Remember that if we do find a loan offer, if you are not happy with the APR or general terms, you can simply shut your browser down, and walk away.

Simple Application

One simple 2 minute application
and if approved funds could be in your account the same day 3

Things To Consider

Before applying for a short term loan, it is important that you read the below information, so that you know what to expect.

Non-Payment Implications

Non-payment of your loan could result in negative information being posted in your credit record. This could make it more difficult to get credit or finance in the future, and the lender may impose more fees as a result. If you completely miss a payment, you will almost always be charged a fee that will be added to the total amount you owe. Lenders will typically try to contact you by phone or letter if you miss a payment in order to reclaim the funds, and they may be able to work out a new re-payment date with you.

If you feel like you are struggling to repay your loan, we always recommend speaking to your lender, as ignoring the situation will not help. For free and impartial help if you are struggling financially, please visit either Money Helper , Citizens Advice or Step Change .

Collection Practises

If for any reason you believe you will be unable to fulfil any agreed repayments, or if you believe you will have difficulties repaying any part of your loan after you have received your payday or instalment loan amount, you must inform the loan provider directly as soon as you become aware.

Contacting your lender will give you the best chance to rearrange your loan instalments or explore other choices in further detail in order to avoid negative consequences. Changing your loan repayment amount may result in additional costs or interest, the details of which can only be handled directly with your payday or instalment loan lender. If no attempt is made to contact your lender to update them on any recent events or to inform them of any difficulties in repaying what you owe, they reserve the right to send your information on to third-party debt collection agencies or organisations who will attempt to collect the debt.

Lenders often reserve the right to use the Continuous Payment Authority to attempt to collect payment from your card up to 90 days beyond the due date. This is only done if it is in accordance with your agreement's terms. For more information, please refer to your signed loan agreement's Terms and Conditions.

Renewal Policy

Your lender may allow you to renew your loan. If you wish to do this you should contact them as soon as possible. Our lenders generally charge the same, if not better rates for loans if you have successfully repaid a loan to them previously. Remember our lenders have to check that you can afford to repay any loan. Any decision you make regarding the renewal of a loan should be made with full consideration of all the costs and your situation at that time.

Helpful Advice

If you know you'll have trouble repaying a loan, don't take it out.

Don't disregard the situation; instead, contact your lender as soon as possible.

Please be advised that if you do not repay your loan by the agreed-upon date with your lender, your lender will report your case to the Credit Reference Agencies, which may negatively impact your credit score. This could make it more difficult for you to get credit in the future for things like vehicle loans, cell phone contracts, or satellite TV subscriptions. If you default, you may be charged a collection fee (which varies by lender), as well as interest on the outstanding sum at the agreed-upon interest rate. You shall reimburse your lender for any reasonable charges and costs incurred in enforcing (for example, through County Court Judgments) or attempting to enforce the lender's rights against you under the terms of the agreement.