Short-Term Loans
That Actually Make Sense
Quick, simple and transparent — explore your short-term loan options in minutes, with no fees, no obligation, and no impact on your credit score.
- See if you're likely to be approved in under 2 minutes, with a soft search that won't affect your credit score
- Borrow £50 to £5,000, with clear costs upfront and absolutely no hidden fees
- Apply from your phone or laptop in minutes — no paperwork, no branch visits
How It Works — Simple Steps to Get Started
Apply Online
Fill out a quick form with your basic details. The process takes just a few minutes.
Quick Review
Your information is reviewed to understand your current situation and affordability.
View Your Options
If suitable, you may see options with clear terms, repayment details, and total costs.
Choose What Works for You
You decide whether to proceed — there is no obligation.
About Us
A Clearer Way to Explore Loan Options
We understand that financial situations can change, sometimes unexpectedly. That's why we focus on providing a simple, clear, and supportive way to explore loan options online.
Our platform is designed to help you understand what may be available to you — without pressure or confusion. With a straightforward process and transparent information, you can take your time and make decisions that suit your personal circumstances.
We believe in clarity, simplicity, and giving you control at every step.
Check Your OptionsSee What Your Repayments
Could Look Like
Use our free repayment calculator to get an illustrative idea of monthly costs based on your chosen loan amount and term. Adjust the figures and see results instantly — no personal details needed.
- No credit score impact
- Instant illustrative results
- Adjust amount & term freely
- 100% free to use
Loan Calculator
| Credit bands | Illustrative APR | Monthly repayment |
|---|---|---|
| Great | 12.6% | £183 |
| Good | 19.6% | £210 |
| Fair | 32.3% | £261 |
| Limited | 48.4% | £319 |
For illustrative purposes only. Actual rates depend on your circumstances and lender criteria. Not a quote or offer of credit.
Why Choose EveryDay Credit
Simple and Fast Online Process
Get started in minutes with a straightforward online application designed for ease and speed.
No Impact on Your Credit Score
Check your options with a soft credit check that does not affect your credit score.
Clear, Transparent Information
We present all information clearly so you always know what you're looking at — no hidden terms.
No Pressure to Proceed
There is no obligation at any stage. You are always in control of your next step.
Designed for Convenience and Ease
Our platform is built around your needs — accessible, simple, and available whenever you need it.
Secure Handling of Your Information
Your personal data is treated with the highest level of care and handled securely at all times.
What People Say About Our Process
Will I Be Approved?
Our approval process is designed to be fair and transparent. Here's what lenders typically consider :
Personal Details
You must be at least 18 years old, a UK resident, and have a valid bank account and mobile number.
Employment Status
Most lenders require a regular income. Some accept benefits, pensions and other regular payments.
Credit History
We work with lenders who consider all credit histories, including defaults and bad credit.
Affordability
Lenders assess whether you can comfortably afford the loan repayments each month.
Our Helpful Guides
Prioritising Your Debts
Learn how to manage multiple debts, understand priority vs non-priority bills, and create a clear repayment plan that works for you.
READ GUIDE
What is APR?
Understand what Annual Percentage Rate really means, how it's calculated, and how comparing APRs helps you choose the most affordable loan.
READ GUIDE
Tips For Improving Your Credit Score
Discover proven steps to boost your credit rating — from registering to vote to managing credit utilisation the right way.
READ GUIDEMore questions? We've got you covered.
No, initial checks are soft and do not impact your score.
No, there is no obligation to proceed.
The application only takes a few minutes. Results may vary.
No, all applications are subject to assessment.
Ready to Get Started?
How much do you need?