6 Month Loans

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When looking for a great deal on 6 month loans online, at Personal Loans Now we search the entire market, so you don’t have to. We can find the 6-month loan lenders who can help you with just one application. Our easy to complete online application takes just 3 minutes to complete. You’ll then be able to choose from 40+ direct lenders who can lend up to £25,000 instantly. Click apply now, and we’ll work quickly to find 6-month loans that work for you.

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6 Month Loans Online Today

If you want to borrow money but only for a short period, a 6-month loan is the ideal solution. A loan that gives you the money you want with quick repayments is what the direct lenders we connect you with can offer. With loans available from £1,000 up to £25,000 unsecured, you can repay over 6 months with affordable monthly repayments. This will give you the freedom to budget accordingly for a 6-month loan on a large purchase. Whether it’s for a vehicle or home improvements, we’ll find you the lenders that are in a great position to help you.

Applying for 6 month loans online couldn’t be easier, with an application through us taking just 3 minutes to complete. You’ll need to provide us with a few personal details such as your date of birth and employment details first. This is needed along with the loan amount you want, for example, £10,000. Once we have this information, we’ll search the loans market to provide you with a personalised table of offers. We’ll show you the 6-month loan lenders who will match your requirements. You’ll be able to see this information without a credit search performed. This means you can freely review the offers available to you without worrying your credit score has been impacted.

Once you’ve reviewed the available 6-month loan offers, choose the lender you want to continue your application with. We’ll conduct a credit check and if you’re approved, you can receive the money on the same day into your bank account. Click apply now to see your own personalised table of offers today from the best 6 month loan lenders.

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How Can I Apply for 6 Months Loans Online?

To be eligible to apply for a 6-month loan through Personal Loans Now, you’ll need to meet the following requirements:

  • You are 18 years old or above
  • You are a current UK resident
  • You have a UK bank account
  • You have a regular source of income


If you meet these eligibility requirements, it does not guarantee you will be approved for the 6-month loan you want. You’ll still need to pass a credit check and assessment of your affordability. Once complete, a decision can be provided in just 90 seconds. To have the best chance of approval for a 6-month loan, you’ll need a good credit score and proven affordability. If you’re unsure what your current credit score is, we recommend that you check this through a credit reference agency. Companies such as Experian or Equifax can help you see an overview of your credit report. You should also work out your disposable income to see what you can afford.

Why Choose Personal Loans Now for 6 Month Loans?

If you want a convenient and quick way to find 6 month loan lenders online, we can help you. Showing you the best available offers for you, there are many great advantages to using our service:

  • Complete Online Application – you can apply for a 6-month loan online without waiting for any paperwork to sign.
  • High Acceptance Rates – we’re proud of our high approval rates. We’ve helped 50,000 people already get the borrowing they want, and we’re eager to help more.
  • Low APR Rates – we search the entire market for the lowest APR rates available for you.
  • Instant Approval – we can provide you with a decision in just 90 seconds.
  • Same Day Payout – once you’re approved, your bank account will be credited on the same day.
  • FCA Authorised Lenders – all the lenders we connect you with are FCA authorised responsible lenders.

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So, if you want to find the best 6 month loan lenders for you, all you have to do is fill in our quick online application. We’ll provide you with a personalised loan comparison without a credit check. Click apply now to get started and receive the loan you want. We can help credit your next holiday, car purchase or anything that you need easily online.

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Can I Get 6 Month Loans for Bad Credit?

If you do have bad credit, we can match you with direct lenders that are best placed to help you. We consider not just your credit rating, but also your current affordability. This will help us find the loan lenders who are best placed to help you. We understand that not everyone has a great credit rating. This is why we want to help you connect with the lenders who will still be able to offer you 6 month loans for bad credit.

If you do have bad credit, you’ll need to consider that a lender may charge a higher rate of interest. You’ll need to consider the options available to ensure you’re happy with the terms of interest. If you want to see how much the loan will cost you per month, use our handy personal loan calculator to see.

6 Month Loans FAQs

How Can I Get the Best Rates on 6 Month Loans?

To have access to the best available rates of interest, you’ll need to have a good credit score as a minimum. It will prove to the lender you have a history of making repayments on time and/or paying off loan agreements. If you have not taken out any form of borrowing in the past, your credit history will be poor. You won’t be able to prove your reliability to a lender easily. Due to the risks involved, and a lender’s commitment to responsible lending, a bad credit rating will restrict you. To get the best personal loans available, at Personal Loans Now, we’ll match you based on your circumstances. This way you’ll have the best chance of being approved for the loan you want.

What is the Interest Charge on 6 Month Loans Online?

Depending on the lender, the interest charge can be anywhere up to 99.9% APR. Here at Personal Loans Now, we offer an interest charge of 39.7% RAPR (representative annual percentage rate). As it is a fixed rate, the interest charge will stay the same throughout the loan term. You will be able to see exactly how much you will be paying back at the start of the term. Some lenders may charge a variable rate which is similar to a credit card. A variable rate of interest can increase as well as decrease throughout the loan term. This means your repayment amounts can change depending on how much you owe. You will need to carefully review the loan offers to ensure you’re happy with the rates of interest available.

I’m in Financial Difficulty, Can I Still Apply for a 6 Month Loan?

If you are currently experiencing financial difficulties, you should carefully consider your position. We cannot lend to someone if we can see that they’re in financial difficulty. You’ll need to prove that you have the affordability to maintain repayments on a new loan. This is without impacting any existing loan payments you might have. If you are in financial difficulty, we recommend that you seek advice. The Money Advice Service or Citizens Advice are organisations offering impartial financial advice. You should go through your current income and expenditure and work out what you can afford to pay each month. Ideally, you’ll do this before applying for a 6-month loan.

Can I Borrow More than £25,000 with a 6 Month Loan?

Depending on the amount you want to borrow, we can provide unsecured personal loans between £1,000 up to £25,000. If you want more than this, we can help you with secured loans. This is where the loan amount you want is secured against a personal asset. Because it is a secured loan, you’re able to apply for up to £250,000. But you may find that the loan terms will be much longer than 6 months. This is so the monthly repayments will be much easier to manage with a loan over 10 years, for example. You should only consider higher loan amounts if it doesn’t have a negative effect on your current finances.

Are You a Direct Lender or Broker of 6 Month Loans?

We are both a direct lender and a broker at Personal Loans Now. This means if we can approve the 6-month loan you want ourselves, we will. If we cannot approve your loan application, then we’ll connect you with other direct lenders. We are an FCA authorised lender, as are all the lenders we can connect you with. We are always looking to help our customers, even if that means passing you to a lender for a better deal.

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