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Short Term Loans

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Representative Example

We compare loans that can be paid back over terms of between 1 and 25 years. The APR interest rate you'll be charged depends on your personal circumstances, and will be between 3.2% and 99.9%. This is a representative example of what it may cost : a Loan of £7,500 over 60 months at 3.3% APR would equate to monthly repayments of £135.60, and the total cost of the loan that you pay back would be £8,136.22

Short Term Loans Directly from Regulated Lenders

Cash can be a necessity, especially, when your finances are under strain. The stress of bad credit can often place a serious strain too. Oyster Loan is a reliable and regulated loan broker based in the UK and working for the financial stability of its customers. We can easily and quickly make you come over your financial stress by searching flexible deals on short term loans in the UK. These loans are designed especially for the people who are going through the hell of bad credit ratings.

Short Term Loans for Unemployed

We are a committed short term loan broker in the UK, offering assistance during the time of financial instability. Whenever you are in doubt over your credit history, or need quick credit, contact us. Besides the bad credit short term loans, we also have the expertise in the short term loans for unemployed.

Short Term Loans for Bad Credit People

Having bad credit can be a financial nightmare, especially during those times when you need cash for an unexpected emergency. Oyster Loan has the expertise in bringing out the best deal on short term loans for bad credit people, to assist you with financial difficulties, and more importantly make life easier for you and your family.

Regulated and Experienced Short term Loan Brokers

Oyster Loan is based in the heart of the UK, and committed to being easily accessible to the financial needs of our customers. We are focused on finding our customers the right short term loan for them. Whether it is short term loans for poor credit people or short term loans for the unemployed, we keep our customers happy and satisfied.

Realistic Advice on Bad Credit Short term Loans

Bad credit is not a problem for us, and we are going to make it sure that it is also not the problem for you. A bad credit score or bad credit history could prevent you from having access to credit, but definitely not with us. At Oyster Loan, we truly understand that bad credit ratings are not always a true reflection of your financial condition. We find the best lender for you, who approve your application and make sure that you will receive your money on the same day.

What Is Short Term Loans No Credit Check?

Of course due to no fault of your own you may end up with bad credit scores. Just at that time a financial emergency pops up and you are running amuck looking for bad credit loans. If you are expecting that a lender or a loan broker like us will not look at your credit history then you are sadly mistaken because the FCA does not permit loans to be provided without a credit check. However, as a reputable loan broker we are associated with many non-traditional lenders who look at the main factor of your ability to repay the loan. Hence if you are able to convince us and the lender that you will be able to repay the loan in time then although you may not get short term loans no credit check, we can always help you find a lender who will look at your ability to repay the loan even if you have bad credit.

Many loan applicants are actually tired of being credit checked so often and also do not want to wait for their loans to be approved and disbursed. However short term loans for bad credit, are a reality especially if you approach a good loan broker like Oyster Loan. These special loans may have a high interest rate, but they can come in really handy in case you are facing a financial difficulty. At the same time, if you repay the loan on time it will have a positive impact on your credit score. Short term loans can be of two types – the ones which have to be repaid as a single lump sum and the others which have to be repaid in instalments. We as responsible brokers help you to decide which type of loan you should take keeping your financial condition and circumstances in mind.


Oyster Loans is a licensed LOAN BROKER and not a lender. The website is registered in the UK and is authorised and regulated by the FINANCIAL CONDUCT AUTHORITY (FCA). WARNING: Late repayment can cause you serious money problems. For more information, go to MONEYADVICESERVICE.ORG.UK.

Oyster Loans does not charge any fees. If you are contacted by anyone claiming to be from Oyster Loans and requesting you to make a payment, report it to

All Loan approvals & Quotes are subject to Credit Score and Affordability requirements by lenders. If you meet the lender's criterion, you can borrow the money. We as a broker make an attempt to process your application with the most suitable lenders in our panel.

Important payment information

Collections Process
Contact your lender directly if you have any worries about making your re-payment. If you do not endeavour to do so you will be unable to arrange any payment options and where the situation remains unresolved (where you have not re-paid your loan), the lender can exercise their right to pass your details onto a third party collections agency. This agency will then work to recover your unpaid arrears (plus any interest accrued as a result of your non-payment).

Implications of Non-Payment
By not making your short-term loan re-payment on time, you could be subject to fees and penalties, which will be implemented at the discretion of your individual lender. The details of any charges that can be added to your loan re-payment amount will be detailed within your loan agreement and this will include the reasons why further charges may be added. If you are late in making your payment this could also have a negative impact on your credit score. Therefore, in order to avoid having to re-pay more than your original agreed amount, we suggest that you re-pay your loan on time. If you fear that you will experience difficulty in paying back what you owe, please contact your lender as soon as possible.

Late Payment
Where you feel that you will not be able to meet your re-payment date and will need to make your payment at a later time – you must contact your lender to arrange this. If you do not, it could be assumed that you are unwilling to re-pay your loan and therefore you could incur a higher fee or charge than you would otherwise have done by simply extending your loan term. A late payment fee usually amounts to anywhere between £1 and £100 and this will vary dependent upon your lender. However, we do not advocate the unnecessary extension of short-term loans and as a result we ask that you ensure that you will be able to re-pay any loan that you apply for. For more information, please read and understand the terms and conditions associated with your loan agreement.

Renewal Policy
We do not advocate the renewal of short-term loans however, in the instance that you wish to do so you must contact your lender immediately. You will often be charged the same rate of interest or fees for an extra month however; this will be charged on the full amount that you owe to the creditor (amount borrowed plus first month's interest). If you are late in making your loan re- payment or you fail to make the re-payment at all, your loan may be automatically rolled over thus automatically incurring further interest and charges. Any amount that you have borrowed you will be liable to re-pay so, please make sure that you only take out a loan if you can afford to pay it back in full.

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Oyster Loan
71-75 Shelton Street
Covent Garden, WC2H 9JQ United Kingdom
0203 633 1699