short term loans review offers short term loans of £200 to £750 to be paid off in a one lump sum after your next payday or up to 6 monthly instalments.

No reviews yet. Write a review is a trading name of London-based APFIN Ltd, which was launched in March 2013. The lender offers same-day short term loans for those in need of a fast financial boost. You can apply for any amount to the nearest pound, so you don’t have to borrow more than you need. The online account management facility enables you to apply for new loans, see how much you owe on existing loans and repay your loan early.

APFIN Ltd, the parent company of, is authorised and regulated by the Financial Conduct Authority.

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

Please note: High-cost short-term credit is unsuitable for sustained borrowing over long periods and would be expensive as a means of longer-term borrowing.

Key features of a loan

Product Short Term Loan
Available Amounts£200 to £750
Representative APR1,265.8%
Loan terms3 months to 6 months
Funding speed15 minutes

How does a loan work?

Fill out the simple online application form, which should take just a few minutes. If you have difficulties completing the form, you can call an advisor for help. However, they can’t fill out the form for you over the phone. then performs a credit check based on the information you give. Once approved, you can expect the money in your bank account on the same day.

How do I pay back my loan?

Like most short term loan providers, uses a Continuous Payment Authority (CPA) to collect the repayments from your bank account on your chosen dates.

What is a Continuous Payment Authority (CPA)?

A CPA is a recurring payment in which you give a company permission to withdraw money from your account on a regular basis.

CPA differs from direct debit because it gives the company being paid the ability to withdraw money from your account whenever they wish and to take payments of different amounts without consulting you. Most payday loan companies use CPA to collect your repayments. However, you can cancel this at any point by either consulting with your bank or provider.

What are the eligibility requirements?

You should only apply for a loan if you are certain you can meet the repayment terms. You must also:

ResidencyUK resident with a UK bank account
Minimum age18
Additional eligibility notesBe in full or part-time employment
Have a working mobile phone and email address

Did you know?

In 2015, the Financial Conduct Authority (FCA) capped interest and fees on all high-cost, short-term credit loans at 0.8% per day.

In addition, the FCA capped all default charges at £15 and the total cost (interest, fees) of loans at 100% of the original sum. This means you’ll never have to pay more than double the amount borrowed.

Customer support information

If you have any queries or need support, then you can contact through the online contact form on their website. Alternatively, you drop an email at or ring 0800 488 0905.

Customer reviews has an “excellent” rating on Trustpilot of 4.4 out of 5, based on over 2,800 reviews (updated September 2023). Customers praised the customer service and helpful staff, as well as the straightforward application process.

Is high-cost, short-term borrowing a good idea?

Short term or “payday” loans offer a temporary solution when you get into unexpected difficulties with your finances, but they are a very expensive method of borrowing. Therefore, you should only consider this option as a last resort. Short term loans are unlikely to solve your money problems in the long term and are not suitable for borrowing over longer periods or for people with serious debt problems.

Before you apply for a short term loan, make sure you have considered all other options carefully. Is the expenditure that you’re planning absolutely essential? If you can defer a purchase, then you could save yourself money in the long run. If you are struggling to pay a bill, then try talking to your electricity, gas, phone or water provider to see if you can work out a payment plan. Read more about alternatives to payday loans at

Frequently asked questions

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