The purpose of a short term loan is to provide you with extra money to meet a temporary financial need. Short term loans typically last for a few months, giving you time to sort out your finances and repay the loan in regular instalments over a short period of time.

What can I use a short term loan for?

You can use a short term loan for any purpose you choose.
Some of the most common uses of a short term loan are:

  • A family emergency.
  • Home repairs or improvements.
  • Car repair or replacement.
  • Family holiday or celebration.

    Where is the best place to get a short term loan?

    Many banks and lenders offer short term loans, including Fair Finance.
    There are five reasons we recommend a Fair Finance short term loan to you:

  • We provide affordable short term loans of up to £800 (if you’re a new customer) , particularly to people who have little or no access to loans from high street banks.
  • Fair Finance is a direct lender so you only deal with us, there is no agent or middle man.
  • As a direct lender we can give you a quick loan decision and, if approved, we aim to get the money into your account by the next working day.
  • You can choose a repayment period of up to 12 months. But if you are able to repay your loan sooner, there is no additional charge for doing this.
  • We treat all our customers fairly, and will consider lending to you even if you have poor credit history or even a CCJ.

    How can I apply for a short term loan from Fair Finance?

    We treat all our customers fairly, and this includes making the loan process as quick and easy as possible.

    There are four simple stages in the process:

  • YOU complete a simple online application form.
  • WE check your application and text and email you our lending decision.
  • YOU call us to finalise the details and sign the contract.
  • WE aim to get the money into your account by the next working day.

    If you want to apply for a short term loan with us, you can take the first step now by completing our online application form and we will be in touch with you as soon as possible.


    To apply for a personal loan with us, press the Apply Now button below to get started, or take a look at our loan application process to find out more.

    The Fair Finance Service

    As a first time client with us, you can:

    • borrow up to £800
    • repay over 26 to 52 weeks (6 to 12 months)
    • choose weekly, biweekly or monthly repayments to make it easier and more convenient to repay

    Click here to see how affordable our rates are!

    When you apply online, we aim to come back to you within one working day, but usually we come back in a few hours. We send you a decision by text and email, and also call you if you are approved.


    Apply online

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