WARNING: Late repayment can cause you serious money problems. For help, go to: moneyadviceservice.org.uk

Short Term Loans and Instalment Loans of up to £1000!

I'd like to borrow
I'll repay inover
14 days
on the
  • Feb 99th 9999 £999.99
Borrowing £265
Interest Rate 292% pa (fixed)
Interest £29.68
Total Repayable £294.68
To repay byTo repay in full by:

This is a bank holiday, are you sure you can repay on this date?

Representative 1270%APR

Minimum 1255%APR

Maximum 1698.1%APR

Representative Example

Amount of credit £250.00 for 30 days
Total amount payable £310.00
Interest rate 292% (fixed)
Interest £60.00

Learn more about APR here

Price Comparison

Compare different lenders on a Financial Conduct Authority approved price comparison website. We use money.co.uk and allthelenders.org.uk

Why choose PiggyBank?

Feefo Gold Trusted Service
  • Direct Lender
  • No Payout Fee
  • No Hidden Costs
  • Fast Online Application
  • Multiple Repayment Options
  • 100% UK Based
  • Fully Authorised by the Financial Conduct Authority

Short Term Loans

Short term loans are designed to help you out if you’re in a fix and need access to cash in an emergency. They should never be used as a means for long-term financial assistance, more to help in some of the following scenarios:

  • To fix a broken fridge, washing machine etc. in the home
  • To pay for the cost of repairing a car
  • To cover the cost of emergency medical or dental treatment
  • Pay for unexpected bills that come out of nowhere

Not sure if you qualify? You can find more information on our eligibility page.

Benefits of a Short Term Loan

There are a number of benefits to taking out a short term loan with PiggyBank:

Improve Your Credit Score - If you have bad credit, we have options for you if you can show you are capable of paying it back. Paying short term loans back on time and in full will help you rebuild your credit score with a view to future applications for loans, mortgages and hire purchases.

Fast Access to Cash – When you need it most we'll have an answer for you quickly. Our 100% online application process is simple to complete and if successful we aim to have the funds transferred directly into your bank account within an hour.

Short Repayment Period – No one wants to owe money for a long time. A short term loan from PiggyBank is one which you know you can pay back quickly and easily. There are multiple repayment options available and no fees for paying off your loan early.

The PiggyBank Application Process

It is easy to get started - you can use the application form sliders to work out how much you want to borrow, when you want to pay it back and you can see the interest on the loan amount. Once we have taken a few details from you, we will perform a credit and affordability assessment to see if you are suitable to be accepted for a loan from us. For more information on our application process, take a look at our application help area.

Our short term loans are:

  • Typically between £100 and £1,000 lasting
  • Between 7 days to 5 months

Once you have been approved you can expect to receive the funds directly into your bank account within one hour. You will always be shown clear details of how much you are expected to pay back and when the payment is due.

As a responsible and transparent lender, PiggyBank will never take advantage of those who are not in a position to pay back a short term loan. Our online loan calculator provides you with a full breakdown of your loan, including how much you’ll pay and when you’ll need to pay it. PiggyBank are committed to making the repayment journey as easy as possible. Have any questions? Get in touch.

Call Us

0800 206 1560

General Help






We're available:

8AM - 6PM
8AM - 4:30PM
9AM - 1PM

Monday - Thursday



Independent Feedback based on 750 verified reviews. as of 24/10/2017

Excellent service
Guy Luck 24/10/2017
Short Term Loan
Everything about this experience was excellent. I would definitely use them again if I need to.
Customer satisfaction
Trusted Customer 23/10/2017
Short Term Loan
Excellent service would highly recommend
Zoe Barnes 22/10/2017
Short Term Loan
Quick and easy to use
Fast and efficient
John Procter 21/10/2017
Short Term Loan
Quick note hassle service. Will be back
Stress free loans
Trusted Customer 21/10/2017
Short Term Loan
Very helpful and professional. A loan that was stress free from start to finish. Once the loan was agreed the money went into my account immediately.
Good service
Trusted Customer 19/10/2017
Short Term Loan
Easy to use
Trusted Customer 19/10/2017
Short Term Loan
Easy to use
Trusted Customer 18/10/2017
Short Term Loan
Great straight forward service
Trusted Customer 18/10/2017
Short Term Loan
quick affordable

What is a Short Term Loan?

A short term loan is a short term cash solution that is used to cover an unforeseen expense that might arise due to a family emergency, an unexpected bill, a problem with the car, or needing to replace a broken appliance.

PiggyBank short term loans are flexible! You can borrow from £100 to £1000, and choose to pay it back from 7 days up to 5 months.

We also offer instalment loans if you'd like to borrow a little extra, or just want to spread out your repayments.

What's the Process?

Use the slider to choose your short term loan amount from £100 up to £1000. You can choose to repay anywhere from 7 days up to 5 months.

Complete our simple online applicaiton form. We'll ask you for your personal details, your employment information, your income and expenditure, and your bank account details.

We will assess all the information you provide, send you a mobile pin and if approved we aim to pay your loan out within an hour.

What if I Can't Repay?

We understand that sometimes your circumstances can change for the worse in a way that’s completely out of your control.

If this happens, it’s our “PiggyBank promise” to you that we’ll be understanding and work with you to come up with a resolution to get your short term loan paid back.

It’s a process we call “Responsible Collections” and it’s all part of our philosophy of making finance a friendlier and more human place for our customers.