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

Why Choose a Short Term Loan?

With Ferratum Short-Term Loans, There’s Always a Solution

It's common knowledge that money is one of the leading causes of stress in people's lives. Studies consistently show that money worries can have a significant effect on our levels of stress and our well-being. After all, there are few things more stressful than being worried about how to make ends meet. 

Apply for a loan

However, there are plenty of ways to take control of your finances and alleviate that stress. Firstly, acknowledging that you're experiencing difficulties with your finances helps you pinpoint the source of your stress without it spiralling and affecting other areas of your life. Secondly, remind yourself that every problem has a solution, and concentrate on finding yours. 

If you're looking for the best short-term loans, then you've come to the right place.

Reasons To Apply for a Short-Term Loan

There are many reasons our customers find themselves needing a short-term loan. You could be feeling like you're on top of your finances when suddenly, life throws an emergency your way. Maybe the car has broken down and you need to get to work. Or perhaps you have urgent home repairs, like the boiler or plumbing. Whatever it is, sometimes, you simply don't have the money when you need it most. It happens to the best of us.

A few weeks can feel like a lifetime when you need to get your car back on the road or if you need costly home repairs. This is when a fast and simple online short-term loan can provide you the relief you need.

During an emergency, we understand the last thing you need is to be worrying about finances, and that’s where Ferratum’s loans can help you quickly and effortlessly if and when the need arises.

Our short-term loans are only to be used for short-term financial needs, and should not be used as a long-term borrowing solution, or if you are in financial difficulty.

How To Apply for a Same Day Loan

At Ferratum, we know that time is money. We also know you don't need added complications, like time-consuming application processes or excessive form filling in. With Ferratum, there’s no paperwork, no financial statement requirements, and no waiting in line.

Applications are done via our easy-to-use website. Simply select which of our same day loans best suits you and apply online. Applications take just 5 minutes to complete and using our sophisticated and advanced technology, it takes just seconds to assess an application. An on-screen decision will immediately appear and you will then have the money in your account within 2 hours. It’s that simple.

How Can I Find the Best Short-Term Loans?

When looking for a short-term loan provider, always make sure that they are authorised and registered with the Financial Conduct Authority. This means that you have the assurance that your chosen lender adheres to all the regulations surrounding short-term loans. As well as this, check if your chosen lender is a member with an industry standard association. Ferratum are a member of the Consumer Finance Association, who support their members with industry-leading expertise. 

You can also check out your chosen lender's online reviews, to see how others rate their services.

Ferratum know that when you're looking for a short-term loan, you're looking for the best short-term loans provider you can find. 

Why Choose Ferratum?

Ferratum is a direct lender, which means when you apply with Ferratum, the whole quick and easy application process is with us. As a Customer Service Champion runner-up winner in the Consumer Credit Awards 2017 and a direct lender, you can be confident you've chosen one of the best short-term loans on the market. 

Ferratum is an international provider of mobile consumer loans. As a pioneer in the field of financial technology and mobile lending, we have expanded our operations to 24 countries since 2005.

At Ferratum, our mission is simple – to provide the best, fastest, and most user-friendly lending and banking services available with 24/7 personal customer service.

We Strive To Say Yes When Other Banks Say No

When it comes to credit checks, a lot of people tend to think their credit file is worse than it actually is and are pleasantly surprised when they secure a short-term loan through Ferratum effortlessly. 

We’re not looking for old mistakes on long-term finance arrangements customers had years ago. We run our checks based on similar lines of credit to our online short-term loans. 

Customers pass through several virtual ‘checkpoints’ which validate their information. During this process, we will verify their ID, check their credit rating, and their ability to repay the loan on the due date.

We understand that when you’re already stressed about finding funds for an emergency or other urgent financial matter, the last thing you need is added complications. 

Complete Transparency

When you apply to Ferratum for a short-term loan, you can be sure you’re in good hands. Because we're a direct lender, we handle the entire application process.

We believe in complete transparency. There are no hidden costs and all fees are clear to see before you submit your application.

Ferratum is authorised and regulated by the Financial Conduct Authority (FCA) and are members of the Consumer Finance Association (CFA).

Happy Customers

We understand relationships are important and since we’re a direct lender, many of our customers use our services on a regular basis. Once you apply for one of our online short term loans, we create an account for you to use again if and when the need arises. Our aim is to create happy customers.

Compare our loans at allthelenders.org.uk


Loan amount

Loan amount: X
Loan term: X
Interest: X
Total amount payable: X
Due date: X
Monthly repayment: X


*Minimum loan term - 62 days, maximum - 4 months