Get the loan you deserve

  • Borrow up to £750 over 30 days
  • Good and poor credit considered
  • Same day payout possible*
Apply now

Representative APR 1261%: Representative Example: Amount of credit £200 borrowed for 28 days. Interest: £40.20. Interest rate: 262% per annum (fixed). Representative APR: 1261%. Total amount payable: £240.20

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

Did you know - we are a free to use loan broker, and have direct access to many lenders

Short term loans

Money with fast transfer times, available typically over 6-24 months. Spread the cost for a flexible option.

Payday loans

One-off financial mishap requires money the same day? With payday loans you settle with next income deposit.

  • Short term loans up to £750
  • Loans for any reason
  • Easy 1 minute application
  • All credit types welcome
  • 100% online application
Apply now

What are short term loans?

Short term loans are generally lower valued personal loans, available on a monthly instalment repayment basis of 1 to 6 months. The primary purpose of a short term loan is to spread the overall cost of a loan, so that there is no financial pressure to repay the full amount in days. Short term loans, as with all types of loans, do require careful budgeting, to ensure you can meet your monthly repayments, and should not be considered for use with repaying current debt.

How does a short term loan work?

At Bee Loans, we pride ourselves on not only the systems we use, but the relationships with short term loan lenders we have. The combination results in being able to match you to a suitable lender in seconds. If you are not happy with the chosen lender, you can easily apply again later on, as sometimes lenders have their own systems turned off, so you may get a different result. Changing the loan amount, or loan duration, may also improve your chances of finding a loan, as different lenders have different criteria.

As there is more risk associated, the more repayments you make, the more checks a lender will be likely to use. Often however, once our specialist systems have matched a loan in less than a minute, it is possible that you could see the funds direct in your bank account the same day. In some circumstances however, faxing proof of income and/ or residency may be required. Once we automatically redirect you to your chosen lender’s website, you are under no obligation to proceed, so please take the time to read their terms and conditions to make sure you’re 100% happy.

Generally speaking, once you have agreed to the lender’s loan proposition, you will receive an email and/ or text message confirming the details of the loan. When you respond to this, your loan will be processed, and funds will transfer straight in to your bank account.

Is there a limit to what I can borrow?

The maximum amount you can borrow with a short term loan through our panel of lenders is currently £750. We strongly recommend that you avoid taking out back-to-back short term loans where possible, but should your circumstances dictate that this is necessary, by reapplying following successful settlement of the first loan, you may be able to borrow up to £1000 the second time around. This cannot be guaranteed.

Can I extend my short term loan?

There is normally a short term loan extension policy in place with lenders. However please be advised, that this usually comes with additional fees, so please read the lender’s terms and conditions carefully before committing to this. Please also ensure that you budget and plan carefully, as it can quickly become difficult to meet the repayments, with the interest included.

Collection Agencies

As with most loan providers, our panel of lenders do utilise collection agencies for persistent non-payments. It is important to note, that this scenario presents itself when the borrower fails to contact the lender regarding the matter. You should always speak to the lender as soon as you think you will fail to meet a repayment, as there is nearly always a payment plan that can be put in place. If a non-payment ends up being referred to a collection agency, your credit file will almost certainly be affected. Please check your lender's terms carefully so that you fully understand their individual approach to using collection agencies.

Credit Reference Agencies

The use of credit reference agencies varies from lender to lender. However, in most cases, a note will be sent to your credit file should you fail to make a repayment. This will negatively impact your future chances of obtaining credit, so please make every effort to repay.

Similarly, by fulfilling your loan repayment, lenders may send a positive note to your credit file. In this instance, you may find the ability to obtain future credit increased.

Late Payment Charges

In addition to a note being put on your credit file due to non, or late payment, it is important to consider the immediate financial implications of such. You should always contact your lender directly if you have problems, as failure to do so may result in additional charges being added; causing your true cost of the short term loan to rise. Payment plans are usually possible, but also can result in additional fees.

  1. Choose your amount

    Slide to the amount you wish to borrow

  2. then how long

    Slide to your desired loan length

  3. Loan details

    This shows you your current loan terms

  4. Finally,

    Once you're happy with your loan, click "apply" to continue