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Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.

QuickQuid FlexCredit

Representative example: Borrow £1200 over 10 months. Interest 300% per annum. Total amount repayable £2,831.34. Total cost of credit £1,631.34, comprising solely of interest. 1362% APR Representative.

Short Term Loans

Representative example: Borrow £200 for 31 days. The total charge for credit is £59. Interest is fixed at a rate of £59 per £200 loan (347% per annum). The total repayable is £259. 1999% APR Representative.

Short-term loans should only be used for short-term financial needs and are not appropriate for long-term borrowing, or if you are in financial difficulty.

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Understanding Short Term Loans

Many kinds of short-term loans are on the market. “Short-term” just means that the loan is designed to be repaid quickly or in a short amount of time. Bank loans have terms that normally include repayment plans lasting months or years, and applications for those loans are more detailed. Some companies even offer products called text loans. But it's easier to apply for unsecured loans online than having to leave your home and apply for a loan at a bank. These loans normally have a principal of £1500 or less, and they’re unique in that they are typically repaid when you receive your next paycheque. They’re engineered for those tight spots that life sometimes puts us in when we need a small sum of money quickly.

Short Term Loans in an Emergency Situation

Often during those times, a short-term loan is a convenient solution. There are moments in nearly everyone’s life when an expense suddenly comes up, and payday is far away. It might be that a family emergency has come up and you need to cover travel costs. Or perhaps a loved one has an unexpected expense of their own, and you’re the only person who can help. Maybe you’ve got an auto repair that needs to be taken care of now, or you need to replace a home appliance as soon as possible. Whatever the need for funds is, when it’s urgent and you can’t wait until payday, a short-term loan can help, if approved.

QuickQuid’s payday loans, if approved, are a trusted way to get the funds you need without the hassle of long, involved application processes or the wait for credit card loans from a bank. If your application is approved, your loan can be deposited into your bank account within 10 minutes after approval.§ In the privacy and comfort of your own home, you can apply online whenever you need a loan, whether it’s at night, on a weekend or even on a bank holiday. The application is simple and straightforward, and depending on the information you provide, it can usually be processed in about 30 minutes. And our expert customer service team is available 24 hours a day, 7 days a week by phone, or you can chat with us online.

Saving Tips from the Experts

Last but not least, we’ll have advice for you on how to start saving from our experts. Although short-term loans are used every day, QuickQuid’s personal loans are intended to be the stepping stone from one paycheque to the next, to help get you through an urgent financial challenge. A short-term loan should be used responsibly, and QuickQuid’s mission is to help our customers reach a point where they can begin to save money in order to be prepared for future financial challenges. One way to do that is by adjusting your energy usage in your home or flat. Just turning down the temperature of your furnace and water heater a few degrees can have a huge impact on your monthly gas bill. You can also get a programmable thermostat to make sure your home is being heated or cooled only when you’re there. Or lower the amount of water you use each month by investing in a low-flow showerhead.

Promo code is valid on initial finance charge only, must be applied at the time of application, and cannot be combined with any other offers or prefered member benefits.
Promo code may only be used for a QuickQuid payday loan.

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Terms and conditions apply. All loans are subject to status, affordability and credit checks prior to approval. Applicants must be 18 or over. Short-term loan customers: Finance charge will be between £20 and £29.50 per £100 borrowed, depending on your credit score. QuickQuid FlexCredit customers: Interest accrues at a daily rate of .82%, which roughly equals 25% per month (£25 per £100 outstanding per month). †Loan/credit limit maximum of £1000 for first-time customers (£1500 for existing). Loan amounts and credit limits are based on a consumer's credit history and ability to repay in accordance with QuickQuid's affordability policy. §If your bank does not support Faster Payments, funds will be sent to your account the same day as approval so long as you’re approved by 14:30. ¶Provisional loan decisions are subject to verification checks and may take up to 30 minutes in most cases. QuickQuid performs traditional credit checks and verifies applicant information via various national databases. QuickQuid is the trading name of CashEuroNetUK, LLC. CashEuroNetUK, LLC is a Limited Liability Company incorporated in the United States. Head Office: 200 W. Jackson Blvd., 14th Floor, Chicago IL USA. Correspondence Address: 483 Green Lanes, London, N13 4BS. Authorised and regulated by the Financial Conduct Authority. Firm registration number 603395. Authorisation can be checked on the Financial Service Register at www.fca.org.uk.