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

Help & Advice

Need some advice? QuidMarket has been helping people through financial difficulties since 2011.
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Help With Your QuidMarket Loan

We are a small company with a highly trained team, and we pride ourselves on our human approach. We will always treat our customers fairly. If you are in financial difficulty, please contact us so we can help with your QuidMarket loan.

Communication is key. Get in touch as early as possible to allow more options and flexibility when discussing your loan going forward. If, however, you feel your financial difficulties are more far-reaching, there are a number of options available to people.

icon check image Easy To Apply Apply in minutes using our easy online application form. Just fill in a few details and our team will be in touch.
wallet image icon Affordable We can help you figure out what you can afford to pay back over a 3 – 6-month period. If you’re struggling, all you need to do is reach out to us.
thumbs up image Trusted Lender QuidMarket is authorised by the Financial Conduct Authority (FCA), which means that we are a recognised and trusted direct lender.


Before contacting QuidMarket or Debt Advice organisations, there are some things you can do to work out where your money is being spent.

Contact us for an Income and Expenditure form, and this will help you list all the money you have coming in and how much you spend on things. Once it’s written in black and white it can be surprising where you can make savings. Rearranging your finances can be a first step to helping maintain your repayments to your creditors. Saving a few pounds here and there can then be put towards your loan repayments.

Nothing lasts forever so if it makes things tight for a period of time, always keep in mind once the loan is repaid that money becomes yours again to spend on other things! If you want to fill out a budget sheet yourself, visit the National Debtline website. They have an extensive online income and expenditure form you can download.

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Choose QuidMarket For a Short-Term Loan

If you need a short term loan, QuidMarket may be the ideal option for you. We are a direct lender, and our online application process is straightforward and simple. We strive to make the loan process as easy and stress-free as possible. We believe in treating our customers fairly and responsibly, and we are committed to providing excellent customer service. If you are in need of a short term loan, choose QuidMarket.

Lent to customers who applied for a short-term loan with QuidMarket.
Loans approved after an application was completed.
Years of experience in short term lending.
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Man smiling at his laptop

Who To Talk To For Help

Falling behind on bills is a stressful time so it can seem daunting when trying to get back on track. The different organisations above can offer different kinds of help depending on your needs. Make sure you get the right kind of advice the first time around by speaking to the right people.

  • 01 National Debtline

    If you need help or advice on how to deal with the various creditors you may have and you are in a position to speak to them yourself, then call the National Debtline on 0808 808 4000 – they can offer budgeting advice and have a free online self-help tool.

  • 02 Debt Management Companies

    If you have some money left over to split between your creditors, but you prefer an agent to deal with the companies on your behalf, then a Debt Management Company like StepChange or Pay Plan will do this for you.

  • 03 Citizens Advice Bureau

    If things are a little more serious and you want the added reassurance of speaking to a highly trained expert face-to-face, then make an appointment with the Citizens Advice Bureau. They will be able to offer you advice on managing your money and create a budget plan with you. They can also liaise with your creditors on your behalf if you need them to.

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QuidMarket and The Financial Conduct Authority

The short-term credit industry has gone through many changes in the last few years. The FCA took over regulation of companies offering short-term high-cost credit in 2014, in line with mainstream lenders and banks. A price cap was introduced in 2015:

  • Interest and fees charged must not exceed 0.8% per day of the amount borrowed.
  • Default fees must not exceed £15.
  • Borrowers must never pay more in fees and interest than 100% of the amount borrowed.

Short term loan and payday loan providers had to apply for authorisation from the FCA showing their policies and working practices were within the rules and guidelines set out by them.

A large number of companies in the short term loan and payday loan sector did not meet the criteria. These companies had to prove they had implemented necessary changes to their policies and working practices or cease trading.

Here at QuidMarket, we were authorised by the FCA at the first time of asking in Feb 2016 – a very proud day for us all. This approval from the FCA underlines the commitment to our customers and shows us as a reputable, transparent honest lender.

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Help & Advice FAQs

A DMC can help you fill in an income and expenditure form to work out where your money is being spent each week or month. This will leave an amount to be split between the companies you owe money to. The DMC will contact the companies for you to explain your arrangement. They will then make an Offer of Payment which is affordable for you.

Once accepted, you will only need to make one payment to the debt management company. They will send payments to your creditors on your behalf after collecting the funds from you as arranged with them.

This is a long-term way of repaying your debts and can also impact your credit file. It is worth remembering you can do the above yourself directly with the companies you are in debt to. Most companies will be more than happy to arrange an affordable payment plan with you rather than having to deal with a debt management company.

To be eligible to apply for our short term loans here at QuidMarket, you must:

  • 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.

If you meet this criteria, you can apply online today. We only ask for essential information that we require to process your loan application. To start your application for a short-term instalment loan, simply click Apply Now.

If you have any questions or concerns about our loans or the application process, or if you require any advice, we are here to help. Our customer service team is knowledgeable and friendly, and they are available to help you with any queries you may have.

Customers may have questions about the types of loans available and the eligibility requirements for each loan. Our team can provide information about the loan products we offer, such as the loan amount, repayment terms, interest rates, and fees. We can also talk to you about the eligibility requirements and the documentation needed to apply for a loan from QuidMarket.

You can contact us by phone or email. Our phone lines are open Monday to Friday from 8:30am – 4:30pm. If you prefer to email us, you can do so at [email protected].

We offer short-term loans designed to help you when you need it most. Our loans range from £300 to £1,500, and you can choose a repayment term of 3 to 6 months. New customers can borrow up to £600, while returning customers can borrow up to £1,500 if their circumstances haven’t changed, subject to credit and affordability checks.

Our range of short term loans can be used to help our customers manage unexpected financial expenses or bridge a temporary gap in cash flow. It’s perfectly fine to use your loan for emergency expenses, repairs, and to pay for unexpected bills. What matters is that you can afford to repay your loan – which is something our team will check when we receive your application. We’ll also talk to you about your affordability when we call you to continue your application.

Absolutely! We provide bad credit loans, and our experienced team will review your affordability and ability to repay the monthly instalments. This means that having a poor credit history will not automatically disqualify you from being considered for a loan. Each loan application is evaluated individually by our team of trained professionals, who meticulously assess each application to determine its suitability for approval.

We understand that every customer’s financial situation is unique, and we treat each loan application individually. Our team carefully evaluates each application to determine its suitability for approval. We consider various factors, such as your income, expenses, and credit history, to determine whether you are eligible for a loan and how much you can afford to borrow.

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