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My Financial Broker is a credit broker and not a lender. Warning: Late repayments can cause you serious money problems. For help, go to

How It Works

Simplicity In Finance

My Financial Loan Broker provide a service for those looking to find 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.


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 aged 18 years or over
  • Be a UK resident

Loan Amount

We can help you find loans between £100 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

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

We have a network of scrupulous lenders and brokers. We’ll find the best option for you, and you’ll be redirected to a suitable direct lender. And as all our lenders are regulated by the FCA, you know you’ll be treated fairly.


Funds Received

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

Short Term Loans

We use a panel of reputable brokers and direct lenders to find the right solution for you. You can apply for loans from £100 to £5000 over the period of a few months to 60 months.

To see what loan options you have, regardless of your credit score, you simply need to complete our short no-obligation application form. Once we have a better understanding of your situation, we can direct you to the perfect 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.*

What is a Short Term Loan?

Short term loans are a type of unsecured personal loan. Unlike a secured loan, you don’t need to provide collateral such as a vehicle or property against the loan. Should you be unable to keep up repayments, you therefore won’t have the risk of losing your assets. As there is more risk involved for the lender though, the interest rates can be higher. Due to this, it’s important to compare the rates of various direct lenders.

My Financial Broker work with a large panel of direct lenders, therefore we can do the hard work for you, comparing the interest rates and putting you in touch with the cheapest loan lender possible. We offer a free service too, as we work on a commission basis with our lenders.

When it comes to borrowing money, there are a number of reasons you may need to take out a short term loan. From unexpected expenses such as vet bills or home repairs, to large one-off payments like buying a new car to get you to work, in most cases you’ll need the money fast. That’s why the lenders we work with aim to pay out your funds as soon as possible – often you’ll have the money in your bank account the same day you apply.*

* Please note that although most lenders aim to pay out loan funds within 1 hour, or the same day the application is made, individual banks may require funds to be held for up to 3 days while the funds clear. For questions about this clearing hold, contact your bank

Payday vs Instalment Loans

Short term loans can fall under two categories – instalment and payday loans. Both have various benefits, so you will need to carefully consider which option best suits you.

Payday loans are typically smaller than instalment loans, as you would be making one full repayment when you next receive your wages. These loans can be useful when you need to cover a cost before your payday, which may only be a few days or weeks away. As you only pay interest for the time you’re borrowing the money, a payday loan could be a good option for people who are looking to repay the funds imminently. For instance, if you were to borrow £100 over the course of a week, you may only repay around £5 in interest.

Instalment loans are often a better choice for those looking to borrow a larger amount of money. As it’s more difficult to repay such loans as a lump sum, an instalment loan allows you to spread the repayments over a longer period of time. This can be over a few months or even years, depending on the amount borrowed.

Whichever option you choose, My Financial Broker can help you find the perfect direct lender. Even if you have a poor credit history, you could be eligible for a short term loan, which would allow you to access the funds you need.

Long Term Loans with My Financial Broker

My Financial Broker can also help when it comes to borrowing over a longer period of time – over years rather than months. You can find a loan through us from £100 to £5,000, to be repaid up to 60 months.

As you would be securing the loan against the value of your property or assets, the interest rates are typically lower than with an unsecured loan. It is important to remember though, that if you are unable to make the agreed repayments, there is a risk of your assets being repossessed. You therefore need to carefully consider your financial situation before applying for a loan, to ensure that you’re in a position to repay the funds. Lenders may also conduct additional checks when it comes to secured loans for the same reason, such as asking for proof of income.

Before you complete an application with My Financial Broker, for a short term or long term loan, 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.

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