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36 months

Representative 49.9% APR.
Representative example: Amount of credit: £750 for 12 months at £77.29 per month.
Total amount repayable is £927.48.
Interest charged is £177.48, interest rate 49.9% pa (variable).

Rates from 11.8% APR to 1575% APR – your Free, No obligation quote and APR will be based on your personal circumstances, and Finance is subject to availability and status. Authorised and regulated by the Financial Conduct Authority.
We are regulated and authorised credit broker and not a lender.

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Short Term Loans

How to find the best Short Term Loans

The bewildering choice of financial products designed for emergency use has left some people confused about what short-term loans are. The name says it all. It is a loan for a short period of time. The typical repayment period of a short-term loan is 12 months or less. However, not all short-term loans are the same. This article will help you choose the best short-term loan for your needs.


What are Short Term Loans used for?

The most common reason for taking out short-term loans is to cover an emergency financial situation, such as an urgent car repair or other unexpected expense that you need to repay over several weeks or months. Payday loans differ from short-term loans in that they usually must be repaid after 30 days.

Historically, short-term loans have been a popular way of borrowing money to pay urgent bills and spreading the cost over a manageable period. The popularity of short-term loans is due to the speed at which lending decisions can be made and that often little or no security is required for the loan. Many short-term loans companies offer easy and quick online application procedures and quick decisions.

Pounds4U is one of the quickest with the whole process, from making your application to receiving a decision and having the money in your bank account, taking as little as 10 minutes.


How to find the best Short Term Loans

When comparing short-term loans, many people just consider the annual percentage rate, also called the APR. This is only part of the story. You must check all of the terms and conditions offered by the lenders you are considering, as these can vary considerably. Here are some of the points you should consider:

  • What is the APR?
  • Is the rate of interest fixed for the term of the loan, or can the lender change it?
  • What is the total amount you will have to repay?
  • Can you pay off the loan by regular instalments?
  • Can you pay off the loan early?
  • How are the loan repayments to be made? For example, by direct debit from your bank account. Can you choose how you repay the loan?
  • Does the lender offer a way to reduce the rate of interest charged?

Ensure you get the best deal by checking these and all the loan terms before choosing a loan company.


Why choose

At Pounds4U we understand that cash emergencies happen every day, and you could find yourself in need of some urgent additional cash for a few months.

That is why we strive to provide the most affordable and efficient service possible to help you get back on your feet.

We offer help with Personal Loans, Cash Loans, Loans for bad credit from UK’s top payday loans direct lenders.

Because we offer some of the highest acceptance rates in the industry and a quick and easy online application and decision process with the funds deposited into your bank account in as little as 10 minutes.

It comes as no surprise that Pounds4U has processed over 700,000 loan applications and received many positive customer reviews. Many of our customers returned to us time and again.  

Furthermore, Pounds4U only works with UK payday lenders that are regulated by the Financial Conduct Authority (FCA).

To find out if you qualify for a payday loan, simply fill out our quick and easy online application form and leave the rest up to us.

Please remember late payments can cause you serious money problems. For more help, please visit Money Helper

Why to choose

  • Borrow between £100 - 10000
  • We search the market for you
  • Totally Free service!
  • 100% Secured UK Site
  • No Obligation Quote
  • Leading Loan Broker
  • Your data is secure
  • One Simple Form
  • Same day Cash*
  • No hidden costs
  • No Paperwork
  • Open 24/7
Get a quote now

Please like our page!​

Excellent service. The application was processed immediately... like 50 seconds and found me a loan. Thank you... I would recommend when in need of assistance....​
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Alen Barker
London Cab Driver
Great response to my application, quick and easy straightforward process, great service all the way.
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Maria Zubek
Nurse, Manchester

How Cash Loans Online Work?

Apply Online

Simply fill out our secured user friendly online form

Finding your Loan

Our High-Tech will process your application and will look to locate the right loan for you and your circumstances.

Get Cash

Once you are approved, you will be directed to your special lender to finish the process.

Why Pounds4U ?

Our mission

Our mission is to help and protect all consumers when they are in need of a Short Term Loan online in the UK.
We offer a state of the art quick technological solution to help you getting a short term loan online, easily, securely, and Totally Free with no obligation and no commission.


Our advanced state of the art technology allows us to get all the lenders* in to our platform making the customer in the front therefore, the top lenders compete to lend you the money you need.

Transparent service

Pounds4U provide fully transparent service to find you the best** responsible and trusted lender with the cheapest interest rate (APR) possible and terms according to your own special circumstances.


It doesn’t matter if you have bad credit or poor credit, at all credit types are considered. We will use our innovative technology to find you a suitable solution quickly with an user friendly easy form.

Pounds4U is fully registered with the ICO and regulated by the UK Financial Conduct Authority (FCA).

* Carefully  Selected and FCA Approved  panel of lenders.
**  According to the amount you want to borrow, and your ability to repay the loan among other factors. 

Who can apply?

To be eligible to get a loan, you need to:

Be a Legal UK resident 


Be 18 years of age or older


Have a valid UK bank account, working phone and email


Have a regular source of income (min £700 per month)