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6 Month Loans

There are plenty of options when it comes to borrowing money in the UK and if you need quick access to cash with repayments stretched out over several months, a 6 month loan could be just what you’re looking for.

At Little Loans we work with a trusted panel of lenders who provide 6 month loans of between £100 and £2,000, along with other flexible credit solutions. Our online application form is simple, and you can be sure that we’ll match you with the lender who is most likely to approve your application.

What can a 6 month loan be used for?

There are lots of things that you can do with a 6 month loan and one of the benefits of short term lending is that in most cases, credit providers do not discriminate based on what applicants plan to do with the money. Whilst all borrowers should use loan money responsibly, a 6 month loan can really help to balance the books if you’re faced with a surprise bill or just need some extra cash to tide you over.

Whether you need to purchase replacement white goods for your home or repair your conked out car, a 6 month loan could help you to deal with an unexpected spending emergency.

Are there any 6 month loans for bad credit?

If you struggle with bad credit and need a 6 month loan, the good news it that there are options available. Whilst in the past a poor credit history could make it particularly difficult to access credit, some modern direct lenders are willing to look at your current financial circumstances rather than simply making an assessment based on your credit score.

What matters most for many short term credit providers is whether a loan is affordable for based on your current situation. This is why the majority of loan application forms include what’s known as an affordability check, where you will need to provide details of your regular income and your typical living costs including such things as rent or mortgage payments, groceries and the costs of running a vehicle. This information helps loan companies to make a lending decision based on what you can realistically afford, rather than your credit score.

Whilst the Financial Conduct Authority (FCA) requires lenders to carry out a credit check on all prospective borrowers, a low credit score or history of poor credit will not necessarily prevent you from getting a 6 month loan when you need one.

How can I apply for a 6 month loan online?

There are multiple ways in which you can apply for a 6 month loan, and at Little Loans we understand that borrowers will have different priorities in mind when deciding how to make their application. To keep things straightforward, we’ll look at two of the most common ways to apply for a 6 month loan:

  • Applying directly to a lender; and
  • Using an online credit broker to apply for a loan.

Applying to a Direct Lender

Possibly the most obvious way to apply for a 6 month short term loan is to go directly to the lender of your choice. There are lots of companies offering quick, short term lending with a variety of different rates and terms to suit the needs of borrowers. Many credit providers provide borrowers with the chance to apply for a short term loan from their website and are often able to provide a lending decision in a matter of minutes.

Applying via an Online Credit Broker

With such a wide array of loan providers available, it can be difficult for borrowers to know where to apply and whether they’ve found a lender that’s right for them. For potential borrowers who receive benefits, have low income or struggle with bad credit, it can be even more frustrating to apply for a loan without knowing where to begin.

As opposed to lenders, who most often deal exclusively in their own branded financial products, online loan brokers work with a panel of lenders to match borrowers with a loan that is right for their circumstances. Whilst we can’t speak for other credit brokers, at Little Loans our service comes with the additional benefit of a free eligibility checker which can give you an immediate indication of whether you qualify for a loan without touching on your credit score.

Like lenders, online loan brokers are authorised and regulated by the Financial Conduct Authority (FCA), so you can rest assured that they are reputable and trustworthy companies.




*Once approved, your cash could be sent within minutes. The time that it takes for the cash to be received in your account will depend on your bank’s policies and procedures, along with the total sum borrowed.

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Representative example: Amount of credit: £1000 for 12 months at £123.40 per month. Total amount repayable of £1,480.77 Interest: £480.77. Interest rate: 79.5% pa (fixed). 79.5% APR Representative. We’re a fully regulated and authorised credit broker and not a lender