Apply for a Short-Term Loan that Works for You

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Affordable £2,000 to £25,000 Online!

Representative Example: Borrow £10,000 for 24 months, 24 monthly repayments of £578,37. Total repayment £13,880.88, interest rate p.a. (fixed) 39.7%. Representative APR 39.7%.

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Handle Emergencies With PLNOW’s Short-Term Loans

Emergencies happen, and many times they bring with them sudden, unexpected expenses. Many people who find themselves in these circumstances don’t have access to the money they require and turn to short term loan lenders to cover the expenses. If you find yourself in such circumstances, you may consider applying for credit with Personal Loans Now.

PLNOW’s short-term loans are a secure and simple way to get the funds you need fast. You can avoid the hassle of filling a long application form or the time spent travelling to get finance and waiting at a storefront lender. You can apply for the loan you need, online or on your smartphone, in the comfort of your own home or while you are out and about, whether it’s at night, during weekends and even on bank holidays.

Our application form is very easy to fill out, and we provide an instant decision on all our loans. If approved, the money can be funded into your bank account the same day! Moreover, our customer support team is available Mon – Fri 9.00-17.30 by phone. Alternatively, you can chat with us online.

The Best Short-Term Loans in the UK

At PLNOW, you can rest assured that we are fully authorised and regulated by the financial conduct authority. Our short-term credit options are perfectly designed to help people who need money fast. Our online loan application process is simple and straightforward, and requires just four things:

  • Hold a UK bank account
  • A resident in the UK
  • To be at least 18 years of age
  • Proof of a regular salary

We know that every customer is unique. We also understand that the ideal way to give a customer peace of mind is by allowing them to choose the loan product that works best for their individual circumstances.



Convenient Short-Term Personal Loans

As an online direct lender, we do not require in-store visits where they are full of long lines and involve lots of paperwork. PLNOW is here to make the lending process as smooth as possible. If you’re in need of a short-term personal loan, you’re in good hands. You can set up scheduled payments that will be automatically deducted from your debit card on fixed dates each month – at no extra cost. These options enable customers to choose the amount they want to borrow. It also lets them decide on a repayment schedule that fits their unique financial circumstances.

When you require credit for an unexpected expense, relying on borrowing money from family and friends can get complicated. If you do not have relatives or friends that can lend you money, consider applying with PLNOW. At PLNOW, we provide an automatic deduction of regularly scheduled payments from either your bank account or debit card. In this way you never have to be worried about late or missed payments.

Tips to Improve Your Credit Score

Are you worried about a poor credit history? To build a good credit rating, you have to ensure that all your bills are paid on time. Never take out credit that you won’t be able to repay on time. Repaying credit late can negatively affect your chances of getting approved in the future. Securing a small amount of money in an emergency situation may be a great idea if you know that you can repay the money on time.


Learn More About PLNOW’s Online Short-Term Loans

If you want to find out more information regarding how our loans work, visit our How It Works page or contact us. Or, if you are ready to apply now, start your application by clicking below!

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FAQ About Short-Term Loans Online


What is a short-term loan?

“Short-term” means that the loan is designed to be repaid quickly or over a short period of time. Bank loans have terms that generally include repayment plans lasting for many months or years. Their applications also require you to provide more personal details. Some loan companies even offer products called text loans. However, it’s easier to apply for unsecured loans online from the comfort of your own home than having to leave your house to apply for a bank loan.

Short-term loans generally have a principal of £2,000 or less. They are unique in that they are normally repaid when you get your next paycheque. They are engineered for those tight situations that life sometimes puts us in when we need funds quickly.

What’s the difference between short-term loans and short-term payday loans?

In many ways, payday loans and short-term loans are the same. A payday loan is a form of short-term credit. Both payday loans and short-term credit provide emergency funding to approved customers that need it, with a relatively short repayment period. However, one way that PLNOW credit is different from a traditional short term loan is in the number of repayment options. Many short term and payday loans require repayment on your next payday. Whereas a PLNOW loan comes with the option of more than one repayment (in addition to accrued interest). This means that you can spread your repayments out over a longer duration of time.

What are the time periods involved in a PLNOW short-term loan?

Finding the right loan for you can often hinge on flexibility, with the more customisable option resulting in improved affordability. With that in mind, PLNOW offers a loan that allows approved customers the flexibility they need to get the funds that will help their unique circumstances.

When applying for a short-term credit check loan, all customers have the option of choosing the number of instalments they want to repay the loan. This means that, when an approved customer takes out credit, they can choose how many instalments they want to repay it, with the interest accrued due on each repayment period. They can also choose the final loan repayment due on the last of the series of payments.

What can I use PLNOW’s short-term loans for?

When taking out a loan you should always have a very good reason for it, whether it is of small-value or a bank loan worth hundreds or even thousands of pounds. At PLNOW, we recommend that approved customers use our loans when an unexpected emergency expense crops up, such as a broken-down car, or a hole in the roof. Taking on a loan is a very big commitment. Not being able to repay on time can have significant consequences on a customer’s finances and credit for the future. That said, once the funds have been funded into the bank account of the approved customer, it’s their choice how they wish to use it.



Why should I choose Personal Loans Now instead of another lender?

A better question you might want to ask is, “How do I pick the lender that’s right for me?” And the answer is that you have to know what you need and consider all your options carefully. While the need for emergency credit can be urgent, that doesn’t mean you should make rash decisions when choosing a lender. Firstly make sure the lender is FCA authorised. A lender offering short term loans with no credit check is unlikely to be. Then you can start by making yourself a budget so you know what you can afford to repay. Then compare the different lenders and what they offer. Consider:

  • the loan amounts
  • potential fees
  • the repayment schedules

If you find that you are looking for a loan focused on flexibility, then PLNOW may be the perfect lender for you.


Apply now for short-term loans from a responsible lender - Personal Loans Now Apply now for short-term loans from a responsible lender - Personal Loans Now

Written by: Kylie Jenson
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