Here's How It Works

Apply online for a short-term loan to better manage your unexpected expenses between paydays.

Gain Accessibility

Convenient Loan Amounts

Up to £1000 for new customers, £1500 for existing customers!

Experience Transparency

Multiple Repayment Options

If approved, you may be eligible to repay over 1, 2 or 3 repayment periods.

Enjoy Flexibility

Fast Funding

If approved, cash is sent within 10 minutes after approval.§

Our Short-Term Loans Are Straightforward

Designed to help you bridge the gap between paydays, QuickQuid short-term loans can help cover any unexpected expenses or temporary cash-flow problems. QuickQuid loans are not appropriate for long-term borrowing, or if you are in financial difficulty.


Complete the online application in minutes and submit. We'll review your information and make a lending decision shortly after.



If approved, get up to £1000 as a new customer or up to £1500 as an existing customer sent to your bank account within 10 minutes after approval.§


You'll repay over 1, 2 or 3 pay periods — whichever works best for you! Your repayment date will always be on a pay date. Learn more about repaying your loan.

1 Period
Your loan amount and accrued interest are due on your repayment date.
2 Period
Your accrued interest is due on your first repayment date, and your loan amount and additional accrued interest are due on your second repayment date.
3 Period
Your accrued interest is due on your first and second repayment date, and your loan amount and additional accrued interest are due on your third repayment date.
Repay early at no additional cost to save!

Our Eligibility Requirements Are Simple

Before applying, make sure you meet our simple eligibility requirements:

Have a valid UK bank account

Are employed and receiving a regular paycheque

Are a resident of the UK

Are at least 18 years old


Here are answers to some of most popular short-term loan questions:

What are short-term loans and who should use them?

Short-term loans are designed to help you bridge the gap between paydays so you can cover any unexpected expenses or temporary cash flow problems. Short-term loans are not appropriate for long-term borrowing or if you are in financial difficulty. If you need a quick cash advance to cover unexpected expenses, then a QuickQuid short-term loan could be for you. However, you should not take out a short-term loan if you don't think you can pay it back on time or if you are in need of longer term borrowing.

What happens if I can’t make a payment on a payment date?

At QuickQuid, we understand that your financial circumstances can change in an instant. If you know that you won't be able to repay your loan amount on your payment date, you should contact us immediately so that we can do your best to help set up payment arrangements that work for you.

If your loan payment is dishonoured, returned, unpaid or otherwise missed, you may be charged a late fee of up to £15.00. We may also charge you default interest on any outstanding principal, at the same daily interest rate as your contracted interest rate, beginning on the first calendar day after the repayment date. Missing payments can make it more difficult and/or expensive for you to obtain credit reference agencies, and such missed payment may adversely affect your credit report. In addition, if you default under a loan agreement, we may commence legal proceedings and you may be required to pay us the reasonable expenses and costs we incur in those legal proceedings or in attempting to enforce our rights against you under the loan agreement.

What is CPA and how does it work?

Continuous Payment Authority (CPA) is a type of automatic payment that authorises a lender to withdraw sums from a borrower’s nominated bank account, using debit card details, subject to specifically agreed terms which are fully disclosed and agreed through the loan application process. Once agreed by a customer, a CPA allows a business to take a series of agreed payments using a customer’s debit card details without having to seek express authorisation for every payment. CPAs can provide an efficient and convenient payment method for customers. It is important, however, that you are fully aware of the commitment you are entering into when applying for and accepting the offer of a personal loan from QuickQuid. On your repayment date QuickQuid will debit your account for the amount due. If the debit fails, QuickQuid may attempt to debit a second time on the same day or the following business day.

How can CPA be cancelled?

Customers can cancel their CPA with the bank or card provider or the company taking the payment. Customers advising the bank or card issuer that they have stopped permission for the payments should also notify us.

Customers may also cancel their CPA by contacting us directly. Payments taken prior to cancellation being received will only be considered for full, or part, refund at the discretion of QuickQuid. Please call us on 0800 016 3114 (Call free from landlines. Mobile phone companies may charge up to 40p per minute.). If you cancel your authority for the repayment of your loan with us, you will still be responsible for paying any money that you owe, including any charges which may accrue. An alternative means of repayment should be agreed.

Does QuickQuid run credit checks during the loan approval process?

Yes. We run credit-application checks with credit reference agencies to verify your application information and to help us determine whether your application will be approved or denied, as well as to help us determine the amount of your loan, if approved. Please note, when lenders run a credit-application check, it will leave a footprint on your credit report. Footprints themselves are not negative, but if a credit report shows that many searches have been done in a short period of time, it could be a sign of identification fraud or great financial need.