6 Month Loans from £100 to £5000

Loans spread over six months

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NO OBLIGATION & NO BROKER FEES

Representative 97% APR (fixed)

Representative example: Borrow £1000 for 24 months at 24 equal instalments of £77.48. Total amount to repay £1,859.52. Interest £859.52. Annual interest rate 70% (fixed). APR rates range from 45.3% APR. to 1575% Max APR. Your APR rate will be based on your circumstances.

We are not a lender but a licensed credit broker in the UK

If you need some quick cash to tide you over — perhaps you’ve received an unexpected bill — then a 6 month loan could be a viable option for you. We must stress that a short-term loan like this is expensive, and if you default on your repayments, it can severely damage your credit score.

Apply for a 6 month loan

You can apply for a 6 month payday loan directly through a lender’s website after comparing lenders. Or, you can make use of a credit broker, like ThisLender. After you’ve told us what you want, we can go out there and find the best lender for you. Using a broker is 100% free, and we work alongside UK lenders authorised and regulated by the Financial Conduct Authority (FCA), so you can trust the service we provide.

Ready to learn more about a 6-month loan?

What is a 6 month loan?

A six month loan is a short term loan that is usually repaid over, you’ve guessed it, 6 equal monthly instalments, although some lenders allow you to repay the loan early.

Can I get a loan for 6 months?

If you meet the below direct lender criteria, then you could qualify for a 6 month loan:

  • You’re over 18
  • You’re a UK resident with a permanent address
  • You’re employed and have a regular income
  • Have a UK bank account with a debit card
  • Your wages are paid into your UK bank account
  • You are NOT currently bankrupt

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Access from £100 to £5000

Remember, different lenders will have different eligibility requirements; check with each lender before applying.

Can I get a 6 month loan if I have bad credit?

Yes, you can. There are many bad credit lenders out there offering loans to all applicants, regardless of credit history. As long as you meet the general criteria listed above, you’ve got a good chance of securing a 6 month loan.

Can I get a 6 month loan with no credit check?

No, every lender will credit check every applicant. They need to protect their investment, so they need to make sure you can afford to repay the loan amount in full (including interest and fees).

How much can I borrow over 6 months?

We offer loans from £100 to £5000. However, the amount you will receive will be based on what you can afford and your financial circumstances. But be warned, these types of loans are expensive.

Did you know: The FCA introduced price cap rules so “for all high-cost short-term credit loans, interest and fees must not exceed 0.8% per day of the amount borrowed.” As you can see from the above example, lenders charge pretty much up to that limit.

If you’re struggling to manage your debt, speak to the people over at Money Helper (formerly the Money Advice Service) for free, unbiased money advice.

How quickly can I get a 6 month loan?

A 6 month loan is quick and easy to get hold of, so fast, in fact, that you could have funds in your bank account in as little as 10 minutes² after approval. So if you’ve already asked friends and family for cash, or you’ve sold some unwanted items online — then a 6 month loan could be your best bet.

Will I require a guarantor on a 6 month loan?

Lenders don’t usually require guarantors for a 6 month loan. But if your credit history is poor, they might ask you for one. In which case, a guarantor loan could be a better financial alternative for you.

Get your loan quote today

Access from £100 to £5000

How do I get a 6 month loan from a direct lender?

Apply for a 6 month loan is easy — visit the direct lender’s website and fill out an application form. Before deciding on a lender, you might find it useful to compare different lender loan products. Or, we could do all this for you. We’re a credit broker, which means our services are completely free for you to use.

Fill in our short form, and we’ll go out and match you with the right lender for your needs. We’ve helped thousands of customers secure cash quickly, let us do the same for you.

Apply now.

Get your free loan quote today

Access from £100 to £5000

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Representative 97% APR (fixed)

Representative example: Borrow £1000 for 24 months at 24 equal instalments of £77.48. Total amount to repay £1,859.52. Interest £859.52. Annual interest rate 70% (fixed). APR rates range from 45.3% APR. to 1575% Max APR. Your APR rate will be based on your circumstances.

We are not a lender but a licensed credit broker in the UK

Types of Loans & Credit