3 Month Loans

Are you looking for a 3 month payday loan? Get up to £900 in your bank account within 1 hour, and repay in 3 easy monthly instalments.
Apply now for a 3 month loan
Representative example: borrow £700 for 6 months. 1st monthly repayment of £168.45, 4 monthly repayments of £224.60, last monthly repayment of £112.20. Total repayment £1,179.05. Interest rate p.a. (fixed) 185.39%. Representative APR 611.74%. All our loans are available for a duration of 3 to 9 months.
Warning: Late repayments can cause you serious money problems. For help, go to moneyhelper.org.uk.

Are you looking to borrow money with an easy repayment schedule? We are a trusted payday loans direct lender in the UK and offer loans over 3 months no matter your credit rating. Apply now for up to £900. If approved, the money will be funded into your bank account within 1 hour. The Cashfloat Team has already helped over 100,000 customers in the UK with our high acceptance rates and flexible repayment terms.

27,472 people
have already borrowed
3 month loans
from Cashfloat.

Whether you need to borrow money for an emergency expense or car maintenance, Cashfloat can get you the cash you need fast. All you need to do is apply here, and you’ll get an instant decision.

Loan options for bad credit
Helpful customer service team available via phone or email
Early repayment for no extra fee, saves you money on interest
Apply now for a 3 month loan

How much can I borrow for 3 months?

With Cashfloat, you can borrow 3 month loans of amounts between £300 and £900. The repayments will be three equal monthly amounts, so make sure you can afford the monthly repayment by using our affordability checker.

Can I get a 3 month loan with no credit check?

We don’t offer payday loans with no credit check because they can seriously damage your finances if you can’t afford to borrow credit. As a responsible lender fully regulated by the Financial Conduct Authority, we always carry out credit and affordability checks before approving an applicant. If you find a loan offer with no credit check, keep away as it will not be a reputable lender.

Always check the payday lender that you are applying with has a valid FCA reference number on their website and is listed on the Financial services register.

How quickly can I get a 3 month loan?

As a regulated lender, Cashfloat cannot offer instant loans online, as we have to check that you can afford repayments before approving a loan. However, we do offer instant decisions on applications so you know where you’re standing. If your application is approved, you can receive the loan within one hour of approval.

Can I apply for 3 month payday loans when on benefits?

We accept customers who are unemployed if they have a steady source of income from benefits. Short term loans are expensive, though, so before taking emergency measures like applying for a 3 month loan, check that you are receiving all the benefits you’re eligible for.

60% of people who borrow 3 month loans are Male

63% of people who borrow 3 month loans are Single

Average age for people who borrow 3 month loans is 35 years old

Most common job fields for people who borrow 3 month loans are Healthcare, Customer Service and Driving

Top 3 cities where people borrow 3 month loans: London, Manchester and Glasgow

People who borrow 3 month loans earn an average of £2,866 a month


Do Cashfloat offer loans for longer time periods than 3 months?

We also offer short term payday loans for 4, 5 or 6 months, depending on the amount you’d like to borrow. Alternatively, if you want a cheaper loan option than short term loans and want a larger sum of money, you can apply for a small personal loan for £1000 to £2500, over 6 or 9 months.

Why should I rather borrow a 3 month loan from a direct lender?

The advantage of using a direct lender is that the application process is quicker, and you don’t pay a broker fee. When applying with a direct lender you can also control who has access to your details, whereas a credit broker will have to share your information with several loan companies.

Can I get a 3 month loan with bad credit?

Yes! We believe that our customers are better than their credit score. As long as we see that you can afford the loan repayments we will happily consider your loan application. We recommend that you run an affordability assessment before applying for a loan with a poor credit history to make sure that you can afford the repayments.

Does Cashfloat offer 3 month loans at low interest rates?

Our 3 month loans are classed as short term loans UK, which are always quite expensive. If you are looking for a cheaper option to tide you over an emergency expense, have a look at our small personal loans. These are available in amounts of £1000 to £2500, over 6 or 9 months, and the interest rates are significantly lower. As a reminder, make sure to check that you can afford the loan repayments before applying for a loan.

Note: Always compare short term loans online before applying, to make sure that you get the best offer.

Are 3 month loans available 24/7 at Cashfloat?

You can apply online any day, any time and we will process your application as quickly as possible. If you apply on a bank holiday or a weekend, we will review your application on the next working day.