An affordable way to get the short-term financial help you need

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Despite having a stringent and no-nonsense approach to personal finances, some people simply can’t avoid running into financial problems from time to time. An urgent car repair, a broken boiler or an unexpected bill has the potential to cause short-term money worries. However, offers affordable solutions to temporary cash-flow problems, and it’s probably cheaper than you think.

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Before you apply for a large personal loan, ask your bank for an overdraft or approach your family or friends, a short-term loan from could be a more sensible solution to your money worries. This ethical and responsible lender specialises in providing small loans over very short terms. So if you only need access to cash for a few days – until your salary is paid – a loan from might be an affordable and sensible way to go.

You will only be allowed to borrow money if you can demonstrate you have a steady and reliable income. The loan assessors at will also look at your current financial situation, as they will not lend you more than you can afford to repay. All their loans are subject to stringent credit checks with reputable agencies, so you can rest assured that you are dealing with a responsible lender.

If you are borrowing for the first time, you will be restricted to a maximum loan of £100. Plus, unlike many other short-term loan providers, you won’t be allowed to defer repayment by rolling over the loan with the associated add-on costs. The great thing about borrowing from is that they understand that people can hit hard financial times occasionally. If you can’t repay your loan on the agreed date, you will be charged a daily rate of interest until you do – but only for a maximum of 60 days. This stops your debt from snowballing out of control.

Look beyond the often sensationalised interest rate, and you will find that a loan from is transparent and affordable and might be worth considering. All you need to do to apply for your loan is fill out a simple online application form. You can borrow £100 initially, and you’ll only need to repay £120, which is a 3943% APR. You also get up to 18 days to repay your loan – which is perfect for those times of the month when payday seems like a distant dream. If you demonstrate your ability to make your repayments in full and on time, will eventually consider a loan of up to £500. also makes it easy to request subsequent loans, and to connect with members of their loan team. Contact can be made online, on the phone or by text. Confirmation of loans is sent by email and text, and they will also send you a reminder when your repayment deadline is approaching. Quick, simple and hassle-free, this service can get you out of the financial squeezes that often come with no warning.

Going overdrawn at the bank, taking your credit card over its limit or applying for a personal loan which is more than you really need can work out to be a long term, expensive way of borrowing. However, with a loan, you can borrow what you need for just as long as you need it.