How It Works



Eligibility user

You don’t need to have perfect credit to apply for a short term or payday loan. The criteria usually consists of the following:Own a mobile phone
- Have a UK bank account
- Be employed full or part time
- Be 18 years or over
- Be a UK citizen


Loan Amount

what is the loan amount

We can help you find loans between £500 and £5000. Your eligibility will depend on your financial circumstances, as we need to make sure that you’re able to afford the repayments.


Online Application

online application

Our online application form is short and simple. You’ll need to enter information about your income and expenditure, your employment information and a few personal details.


The Right Lender

find a right lender for you

We have a network of scrupulous lenders and brokers. We’ll send your application to them, and find the best option. If approved, you’ll be redirected to a direct lender.


Funds Received

funds received

If the lender approves your loan, they’ll aim to pay out the funds as soon as possible. You should get the money you applied for the same day.

Short Term Loans

My Financial Loan Broker provide a service for those looking for payday and instalment short term loans. Such loans can help you address temporary cash flow problems or unexpected circumstances, and allow you to avoid costly overdraft fees.

We use a panel of reputable brokers and direct lenders to find the right solution for you. You can borrow from £500 to £5000 over the period of a few months to 5 years.

To see what loan options you have, regardless of your credit score, we ask that you complete our short no-obligation application form. Once we have a better understanding of your situation, we can direct you to the prefect broker or lender. You’ll then need to complete the application of the lender and create an account with them. If you’re approved, you could have the funds you need in as little as an hour.

Before you complete the application, you do need to make sure that borrowing is the right option for you. If saving is a viable option, or if you are borrowing to repay other credit, taking out further credit may not be the best course of action. If you feel you need further help or advice, you can contact charities such as Step Change for free impartial advice.