Ideal for the short term, a 3 month loan can be the cash injection you need to cover an unexpected expense. At QuidMarket, we can provide the funds you need directly to help you resolve your financial situation quickly. With fully transparent terms, no hidden fees and same day cash into your bank account, applying for 3 month loans online through us could be the unsecured lending option you’ve been looking for.

We are happy to help a wide range of customers find a quick loan today at QuidMarket, providing many benefits that help you make an informed decision:

  • New customers can borrow between £300 and £600*
  • Returning customers may be eligible to borrow up to £1,500*
  • Flexible repayment terms between 3-6 months
  • We are an FCA Authorised direct lender of 3 month loans online
  • No hidden fees with our 3 month loans
  • No guarantor required – you won’t have to provide collateral either
  • Convenient online application that’s fast and easy to complete
  • We provide human decisions, not computer-generated ones
  • Poor credit applicants welcome
  • Same day approval for same day cash in most cases

*Loan amounts and repayment terms are dependent on affordability checks

Choose the amount you want to borrow for the 3 month loan and we’ll then work quickly to assess your application and provide a decision in minutes. Click apply now to see how we can help you today.

How much do you need?

£300 £1500

For how long?

Apply Now

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This is for illustration purposes only. Your repayment schedule will be confirmed during your application

*All applications are subject to affordability checks*

Representative example: Borrow £300 for 3 months / Interest payable £154.37 / Total amount payable: £454.37 in 3 instalments / 3 payments of £151.46 / Representative 1297.6% APR / Interest rate 292% per annum (fixed) / Maximum APR 1625.5%

Compare short term loans on Clear and Fair

As a new customer the minimum repayment period is 3 months and the maximum is 6 months. Additional options may be available to you as a repeat customer.

Why Choose a 3 Month Loan?

When the unexpected occurs and you don’t have the available savings or credit to resolve it, knowing there are affordable options available can help to alleviate any worry. At QuidMarket, we understand it can be expensive when looking for a loan to help your situation, especially once you have taken into account any interest charge and setup fees on top. Many online lenders may not be fully transparent with this information either, making it difficult for customers to make the best decision possible. That’s where we like to be different, ensuring that the full terms of your 3 month loan application are clear to see and provide all the necessary information.

As FCA approved direct lenders, we work to ensure all of our customers can use our online service confidently. We follow responsible lending guidelines set out by the FCA to ensure you can make a well-informed decision on any loan you choose through us. We will never charge any hidden fees as we believe not showing you the full details is a disservice to our customers. The reason we are a trusted direct lender is because our customers have all the details they need, plus the added flexibility of choosing the repayment terms and amount that works for them.

If you know how much you want to borrow for your 3 month loan, all you have to do is click apply now and fill in our straightforward online application. We’ll then do the rest and provide you with a decision after careful assessment of your finances.

3 Month Loans for Low Credit Scores

We are happy to help customers from many different financial backgrounds with our 3 month loans online. Whilst it’s always best to strive towards a good or even excellent credit score, it is not a requirement to be a successful applicant. If you have a history of bad credit causing you to have a low credit score, we can still help you if you now have your finances under control and can demonstrate you have the affordability to maintain repayments.

Like all responsible direct lenders, we cannot guarantee your application will be successful. However, we are happy to take the time to welcome applications from those with poor credit and assess your ability to pay. As we follow responsible lending guidelines, we have to be sure you can afford the repayment terms you want for a 3 month loan before approving the loan amount. If we can see you will struggle to maintain repayments comfortably, we won’t be able to approve your application.

We recommend before you apply for 3 month loans online with a low credit score, to check your current income and outgoings. This way you can determine your disposable income and how much you can realistically afford towards repayments each month. Our short term loans are not designed to cover any long term financial difficulties, so you should consider your financial position before proceeding.

How You Can Apply for 3 Month Loans Online

To apply for a 3 month loan today, you will need to meet our eligibility criteria. At QuidMarket, we are in a position to help many different types of applicant whether you have good or bad credit. You will need to be:

  • A current UK resident
  • Over 23 years old, and under 65 years old
  • Have a mobile phone (we send a 4 digit SMS code during your application)
  • Hold a UK bank account with a valid debit card (we run a verification check that takes 1p, which is then refunded)
  • In employment and receive at least £1,300 a month in income

Meeting the above will not guarantee you will be successful with your application as you will still need to undergo affordability checks as well as a full credit check. We’ll determine if you can afford the repayments on a 3 month loan you’re looking for and provide a decision quickly. Our 3 month loans are our minimum term, and we do not offer anything less, such as one month loans. If you are successful, we’ll send your newly approved funds directly to your bank account on the same day where possible. That way, whatever emergency expense you need to cover can be resolved quickly.

Choose QuidMarket for Your 3 Month Loan Today

With our fast application process, we can help you apply for 3 month loans online in no time. If you have further questions before you begin, please feel free to get in touch with the QuidMarket team first. You may find the answers you’re looking for in our FAQs section, so please browse at your convenience.

As part of our commitment to responsible lending, we can help those in financial difficulties find extra support and help when they need it. You’ll find further information in our Advice section, as well as independent financial advice through Citizens Advice and The Money Advice Service when you need it.

All applicants are subject to a credit check being performed, as this will determine if you can afford the 3 month loan you’ve applied for. We follow responsible lending guidelines, so applying for a loan with no credit check is not an option with us. If you can afford the loan and we feel you won’t fall into financial difficulties, you may still be successful with an application even with a low credit score.

We work quickly to provide applicants with a lending decision as soon as possible. We can’t promise exactly how long this will take, but for applications made during normal business hours, we can usually process and have a decision with you within 2 hours. This means if you are looking for same day funds, this is entirely possible depending on when your application was made. If you apply for a 3 month loan outside of business hours, this will be processed on the next working day.

For bad credit applicants, we can help provide loan options by assessing your affordability alongside a credit check. If you require a 3 month loan, depending on how much you want to borrow, we can consider your application. Having bad credit does not necessarily mean you will be declined, but our team of trained underwriters will make a careful assessment of your circumstances and provide a decision based on affordability.

How much you can borrow will depend on whether you are a repeat customer or have never borrowed from us before. The maximum a new customer can borrow with their first application is £600, whereas repeat customers can borrow a maximum of £1500. Whether you are a new or repeat customer, you will be required to undergo a credit check and affordability checks to ensure the loan is affordable.

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