If you need some extra cash to cover an unexpected expense but don’t want to repay the full amount right away, a 3 month loan could be ideal for you. Our 3 month payday loans allow you to spread the cost of your loan over three equal monthly instalments – or break it down into weekly repayments. We pride ourselves on being fully transparent, fair and offering excellent customer service – with your own personal Customer Care manager for the entire duration of your loan.
As 3 month payday loan direct lenders, we’re able to help many people who have less than perfect credit ratings, and who have already been turned down for a 3 month loan elsewhere. To find out more about our 3 month loans online, you can contact Fast Loan UK and our team will be more than happy to assist you. If you’re ready to apply for 3 month loans online, it couldn’t be easier to do!
When you enter into any kind of financial agreement, it’s important that you’re confident in your choices and know you’ve found the best deal for your circumstances. That’s why we’re completely open and transparent about our 3 month payday loans – we'll explain exactly what they involve on this page, and you’re welcome to get in touch with any more questions. We are 3 month payday loan direct lenders, offering unsecured loans for bad credit with fixed interest rates and no fees or hidden charges.
Benefits of a direct lender: choosing to take out a 3 month loan with a direct lender will often be cheaper than finding deals through a broker. Even when you go through brokers that claim to be free to use, often you’ll pay for this indirectly because the cost of the loan will be higher. Not only do we not charge any fees, choosing us as your 3 month loan direct lender allows you a direct line of contact with the provider of your loan. If you have any questions or concerns, simply call your personal Customer Care manager who will be able to sort it out quickly.
Unsecured loans: we don’t ask for any collateral, or for you to find a guarantor to be approved for our 3 month loans online. Because we approve loans based on affordability (more on that below), we are happy to provide your loan with no extra risk for you. What’s more, your loan can be processed much more quickly, because you don’t have to wait for extra checks or valuations to be carried out.
Fixed interest rates: your monthly instalments will be set out in your loan agreement – they'll be split equally, which helps you to manage your budget over the term of your 3 month payday loan. Your interest rate won’t change mid-way through the loan either, so you have no nasty surprises to worry about.
It can be difficult to find lenders who are willing to help you if your credit score isn’t great, but you don’t have to worry about that with Fast Loan UK. We consider applications from people with all levels of credit, and are able to approve many people who have been turned away by other lenders.
This is because instead of basing our decision solely on your credit score, we look beyond it. We don’t think credit scores are an accurate reflection of whether you can pay back the 3 month payday loan you’re applying for – instead, we look at the last few months of bank statements to see what your regular income and outgoing payments have been. If there’s enough left after this to comfortably manage the instalments on the loan you’ve chosen, we’ll be happy to be your 3 month loan direct lender. As an FCA authorised responsible lender, we won’t approve loans if we suspect it could lead you into further financial difficulties.
You’re welcome to apply for our 3 month loans online if you:
• Are at least 18 years of age
• Are a resident of the UK
• Have a bank account and valid debit card
• Receive a regular income from employment
Your income can be from full or part-time employment, and there’s no minimum monthly income requirements as long as you’re able to comfortably cover the repayments on your chosen 3 month loan. We don’t contact your employer and will treat all personal and financial information you supply with the utmost confidentiality and protection.
Once you’ve decided that a 3 month payday loan from Fast Loan UK is right for you, all you need to do is fill out our online application form. This takes just a few minutes and because you apply for our 3 month loans online, you can do it from anywhere you can access the internet. There are three main things to decide when applying:
At Fast Loan UK, we offer 3 month loans online ranging from £50 to £2,000 – although the amount you’ll be eligible to borrow is dependent on affordability checks. Short-term credit is only designed to be used for emergency expenses, and you should only borrow what you need to. We make this easy by offering our 3 month payday loans in £10 increments up to £600, and in £50 increments thereafter. This allows you to borrow as closely to the amount of your unexpected expense without paying any interest unnecessarily.
If a 3 month loan is the right choice for you, that’s great. You can also move the slider to the left and right to see how that changes the amount each instalment will be. Perhaps you can manage to pay it off more quickly, or maybe choosing a longer loan term would suit your budget better. We offer loans from 7 days up to 8 months long, so the choice is yours. You can also choose to repay your loan early during the 3 month loan term – we don’t charge any fees for this, simply call your personal Customer Care manager to arrange it.
Your repayments can be set to coincide with your regular pay dates, which helps ensure there’s enough in your account to cover them. You can choose weekly or monthly instalments to suit – even choosing the date or day the payment will leave your account. And we’ll set up a Continuous Payment Authority (CPA) so they’ll leave your account without you having to do anything – which helps you avoid defaulting on a 3 month payday loan simply for forgetting to make the payment.
If you have any questions about our 3 month loans online, don’t hesitate to get in touch with Fast Loan UK, and our team will be more than happy to help you. If you have decided we’re the right 3 month loan direct lender for you, you can get started on your application, and you could have the cash in your bank account today!