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
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%. Our loans are available for 3 to 9 months depending on the loan amount - rates between 295.58% APR and a maximum APR of 1294%.

Are you looking to borrow money with an easy repayment schedule? We’re a trusted direct lender in the UK, and we offer quick online payday loans over three months. Apply now for up to £900. We consider applicants with a bad credit score. If approved, the money will be funded to your bank account within one 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
3 month loans
from Cashfloat in 2020.

Whether you need to borrow money for car maintenance, to pay an unexpected bill or for another financial emergency, 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 scores
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 three months?

With Cashfloat, you can take three month loans for amounts between £300 and £900. You’ll make the repayments in equal amounts each month, making the process of paying the money back straightforward and manageable. You can use our loan calculator to plan your borrowing.

It’s a good idea to make sure you can afford the monthly repayments using our affordability checker as well. Remember that payday loans are expensive and should only be used in an emergency.

How quickly can I get a 3 month loan?

As a regulated and responsible lender, Cashfloat can’t guarantee you’ll be accepted for one of our online loans. We have to check that you can afford repayments before we approve you for a loan. We do, however, offer immediate decisions on applications, so you know whether you’ve been accepted or not as soon as you apply. 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.

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

We don’t offer payday loans with no credit check. Taking out a loan you can’t afford to repay can seriously damage your finances. As a responsible lender, we always carry out credit and affordability checks before approving an applicant. If you come across companies that offer loans with no credit check, stay away because they are not responsible lenders.

Always check the payday lender that you are applying with is authorised by the Financial Conduct Authority (FCA). You can search the FCA register to see if they’re registered. Trustworthy companies will always clearly display their reference number on their website to help you search.

Can I apply for a three month payday loan if I’m on benefits?

In order to be accepted for a loan, you will need to have a steady source of income. Your income can include benefits, but it can’t only come from benefits. You’ll need to be earning at least some money alongside receiving benefits in order to get a Cashfloat loan.

Short term loans are expensive, and they should only be used in an emergency. If you’re on benefits and you need more money, before applying for a three month loan, check that you’re receiving all the benefits you’re entitled to.

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 time periods longer than three months?

We also offer payday loans for periods of up to nine months, depending on the amount you’d like to borrow. Alternatively, if you want to borrow a larger sum of money, you may be eligible for a cheaper option than a payday loan. You can apply for a small personal loan for £1,000 to £2,500 for a period of six to nine months.

Why is it better to borrow a three month loan from a direct lender?

The big advantages to using a direct lender are that applying is quicker than it is through a broker and that you don’t have to pay a broker fee. When you apply with a direct lender, your personal details will also be safe. Credit brokers will share your information with multiple loan companies when they try to broker a loan for you.

Can I get a three month loan with a bad credit score?

Yes! With Cashfloat you can. We believe that our customers are better than their credit score. As long as we know that you can afford the loan repayments, we’ll happily consider your application. It’s a good idea to run an affordability assessment before applying for a loan if you have a poor credit history, just to make sure you can definitely afford repayments.

Does Cashfloat offer three month loans at low interest rates?

Short term loans, like three month payday loans, are always quite expensive. If you’re looking for a cheaper way to tide yourself over in a financial emergency, have a look at our small personal loans. These are available in amounts of £1,000 to £2,500, over six to nine months, and the interest rates are significantly lower.

Reminders – make sure to check that you can afford repayments before applying for a loan. Always compare different loan options online before applying as well to make sure you get the best offer.

Are three month loans available 24/7 at Cashfloat?

You can apply online for a loan 24/7, and we’ll process your application as quickly as possible. We normally process loan requests within 30 minutes of receiving them. If you apply outside of normal office hours or on a bank holiday or a weekend, we’ll review your application the next working day.

Warning: Late repayments can cause you serious money problems. For help, go to moneyhelper.org.uk.