Quidmarket will never charge you any fees. You should never pay upfront fees for a loan or send money in return for a loan.

Short Term Loans from £300 - £1,500

Get a short term loan of up to £600 for new and £1,500 for returning customers, and choose repayments between 3 – 6 months. Discover human lending from an FCA authorised direct payday loan lender that provides you with the flexible, affordable terms you’re looking for.

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£300 £1500
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Representative example: Borrow £300 for 3 months / Interest payable £154.38 / Total amount payable: £454.38 in 3 instalments / 3 payments of £151.46 / Representative 1307.1% APR / Interest rate 292% per annum (fixed) / Maximum APR 1625.5%.

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. *Applications submitted outside normal business hours will be processed on the next working day. *All applications are subject to affordability checks*

Representative example: Borrow £300 for 3 months / Interest payable £154.38 / Total amount payable: £454.38 in 3 instalments / 3 payments of £151.46 / Representative 1307.1% APR / Interest rate 292% per annum (fixed) / Maximum APR 1623.90%

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Why Choose QuidMarket for Short Term Loans?

Our aim is to help people get the cash they need to resolve their short-term position. Our direct lender loans are designed to provide a quick way to access cash when you have no other means, whether you need short term loans for bad credit or flexible payday loans. If you can afford it, we’ll offer the helping hand you need at QuidMarket.


Lent to customers in short term loans.
Successful approved loan applications.
Years experience in short term lending.
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What Are Short Term Loans?

Short term loans are a type of unsecured lending, which can also be referred to as quick loans or direct lender loans. They are designed to help you cover short term expenses, such as for an emergency situation where you have no other available options, and can be easier to apply for with poor credit.

Our short term loans at QuidMarket allow you to borrow amounts between £300 to £1,500, maximum of £600 for new customers, and you can choose to repay your payday loan for up to 6 months with flexible repayment terms, dependent on credit and affordability checks. This makes them easy to manage and sustain, so you can have a convenient way to get your finances back on track.

Having Financial Difficulties?

If you are facing financial difficulties, we encourage you to reach out to us for support and guidance. Our team is dedicated to helping you navigate these challenging times by offering tailored solutions that can alleviate your financial burden. We understand that every situation is unique, and we are here to listen to your concerns and provide options that best suit your needs. Whether you need information on financial assistance or support in negotiating payment plans, our experienced team are ready to assist you with compassion and confidentiality.

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Begin Your Payday Loan Application - Apply For Our Flexible Short Term Loans

Applying for a QuidMarket direct lender short term loan couldn’t be simpler. Just choose a loan amount between £300 and £600 if you’re a new customer and a repayment period between 3 – 6 months. Using the sliders in our loan calculator allows you to easily define the amount and term you need, adjusting where necessary. This way, you can choose a payday loan that is on your terms, matching what you can afford to pay. To start your application, just click apply now – we’re ready when you are.

icon check image Easy To Apply Our simple to complete application requires just a few personal and financial details along with the loan amount and term you want.
wallet image icon Affordable Use the sliders to adjust the repayments between 3 – 6 months, choosing what’s affordable for you.
thumbs up image Trusted Lender Trusted by our customers since 2011, we’re FCA authorised to provide short term loans in the UK.

Helping You Get Payday Loans Fast

There are many direct lenders of UK short term loans to choose from online, all offering quick cash when you need it. What makes QuidMarket different is that we take a human approach, putting you in control of the terms you need. Rather than tell you we need full repayment on your next payday, you choose how long you want to borrow for. It’s this flexibility that makes our loans a better option when looking for short term loans for bad credit.

By providing up to 6 months to repay, you can borrow a payday loan when you need it that is affordable for you. It really is that simple, and to help, we take a human approach to the application process too – rather than rely on the bots to make decisions, we have a professionally trained team ready to help.

As direct lenders of payday loans, we review each application on its own merits, we may still provide this flexibility even if you have a low credit score. We understand it can be difficult maintaining a perfect credit rating, so if you can afford the repayments, our human, not automated, team will happily assess your application.

  • 01 Online Application

    Choose how much cash you’ll need & apply for a loan in minutes.

  • 02 Checking Your Application

    We’ll manually review your affordability & conduct credit checks.

  • 03 Get Your Money

    If your application is successful, you could receive the funds the same working day.

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Short Term Loans When You Need Them

As a direct lender, we aim to help you get the short term loan you need as quickly as possible. That’s why we provide a fast application process designed to work around your needs – just tell us how much you want to borrow and how long for, and we could approve you payday loan in minutes.

With short term loans ideal for many different reasons, the important part for us is that you can afford to sustain the repayments you choose. So, whether you need an emergency loan or are searching for bad credit short term loans that can help despite a poor credit history, there’s a chance we can help you with an affordable payday loans today.

As a trusted direct lender authorised by the Financial Conduct Authority (FCA), we’ll quickly assess your affordability, and if approved for a loan, you could have the cash to use the same day where possible.

So, if you’re looking for a direct lender that can provide the flexibility you need, our short term loans can provide exactly that. We’ve helped customers since 2011 get quick cash whilst choosing repayments to match their budget, and we can do the same for you today with our human approach to lending.

Benefits of a QuidMarket Short Term Loan

We’ve designed our short term loan application to be quick and simple for you to complete, focusing on the most important details we need to know. Our team of credit analysts will then assess this manually – there’s no automated lending here at QuidMarket. By providing us with accurate details about you and your finances, we can then make a quick decision on a short term loan that is sustainable for you.

We’ll approve payday loans based on many factors, including your affordability of the repayments. You can use the sliders on the loan calculator to work out what is affordable for you and the total amount repayable including interest. If we can approve your loan, we will usually transfer the funds the same day into your bank account wherever possible. Your repayments will commence on the stated date in your credit agreement. Unlike traditional payday lenders in the UK, you won’t have to repay the loan in full on your next salary date, having up to 6 months to repay instead.

To learn more, you can read about how to apply for short term loans, as well as further information about how it works. If you need more help, please visit our FAQ pages.

  • 01 FCA Authorised Direct Lender Loans
  • 02 No Guarantor Required To Apply
  • 03 Quick & Easy Application Process
  • 04 Short Term Loans For Bad Credit Considered
  • 05 Flexible Repayments Between 3 – 6 Months
  • 06 Same Day Cash Transfer Where Possible
  • 07 No Hidden Fees - Transparent Loan Terms
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Simple, Fast, Affordable – Short Term Loans For Bad Credit

Having a low credit score shouldn’t be a barrier to getting the cash you need, as long as your current finances are in good shape. Your credit history, whilst showing the past, may not reflect the present when it comes to your finances. This is where a payday loan becomes possible at QuidMarket.

Many lenders will base their decision solely on your credit score and may decline you for their loan options straightaway. Here at QuidMarket, as a direct lender of short term loans, we’re happy to consider ‘bad’ credit scores for our direct lender loans. We understand that the number on your credit report doesn’t always reflect your finances right now. That’s why we look at whether you can afford the loan you’ve applied for – it is as simple as that!

By approving payday loans on an ‘affordability’ basis, we can provide our short term loans more confidently. If you have any questions about how our assessment process works for our loans, please get in touch with the team today.

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Payday Loans FAQs

Yes, whilst many other short term loans direct lenders may not consider your loan application if you have a poor credit history, at QuidMarket, we are proud to consider short term loans for bad credit. We take a personal approach, rather than rely on computer approval like many other UK direct lenders. We’ll evaluate whether you can afford the loan with your current finances, looking at your income, regular outgoings, direct debits and living expenses. If you feel that you would find it difficult to make repayments in your current financial position, please seek advice and support before applying.

To qualify for our payday loans, you must meet the following:

  • Be between the ages of 23 and 65
  • Be a resident of the United Kingdom
  • Have a valid mobile number to receive text messages
  • Possess a current UK bank account with a valid debit card
  • Be employed and receive a take-home salary of at least £1,250 per month

Please note, that extra documentation may be required for the affordability checks. You will need to ensure you complete your application accurately with information about you and your finances, and not be in current financial difficulties. If our team cannot determine whether a short term loan will be affordable for you, they will have to decline.

Once you have completed our application form, our team of trained professionals will then process your application. We work quickly, so while we are unable to give a definite estimate, we aim to process all applications fast and have a decision within 2 hours to provide same day loans where possible. During busy periods this may take a little longer. Any applications received outside of business hours will be prioritised the next working day.

No, we do not charge any hidden fees and we pride ourselves on full transparency and being direct lenders that you can trust. Our application page is completely straightforward, allowing you to see how much you will repay each month on a short term loan from us. The total loan amount you will see is all that you have to pay with no hidden fees on top. We also do not charge for late payments either, unlike many other lenders, and our interest rate is competitive.

A direct lender loan is, as the name might suggest, a loan where the lender provides the money directly to the applicant without going through an intermediary. These types of loans can often be cheaper than broker loans by avoiding involving a third party which will usually mean being charged a broker fee.

Warning: Late repayment can cause you serious money problems. For help, visit: www.moneyhelper.org.uk