Looking for a short-term cash loan or Love2shop card from an understanding family-run business?

Apply Now!

Already have a loan? Manage everything online. Register now!

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Representative Example: £100 loan repayable over 16 weeks at £10 per week, Rate of interest 60% p.a fixed; Representative 2,131.81% APR, Total amount payable is £160

Why should I register?

Family Run Business

Since we started in 2003, Short Term Finance has had family at the heart of its business. Our founding members were joined by their children, spouses and friends, which not only led to our success, but also helped to cultivate our friendly and understanding policies.

Personal Touch

We care about your finances. That's why, if your application for a loan is accepted, we assign you a personal agent who will work with you to manage your repayments. If you need to speak to someone about your repayments, your personal agent will be happy to help.

No Late Fees

One thing you can say about Short Term Finance is that we understand short term loans better than most. Quite often, the need for a loan comes from unplanned spending or financial difficulties, which is part of the reason we refuse to charge extra for late payments.

Plan your Summer without financial stress...

The long winter is over and we can finally start thinking of how we're going to spend the summer. Whether you want to plan an epic family holiday, renovate the garden or treat yourself to a warm weather wardrobe, STF can help support you through the spending. Don't let limited funds hold you back! Apply for a short term loan today...

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How it works...

1. Choose your loan type, repayment term and value.

First of all, you need to work out whether you want a cash loan or a Love2shop card, and how much you’d like to borrow. You can do this using our handy calculator.

Choose your loan type

2. Fill out the application form.

If you pass the pre-application check, you’ll be taken to a simple form to fill out your details. Once your application has been processed you will either get an immediate decision or one of our Customer Care team may call you to discuss your options.

Fill your application form

3. Receive your cash or Love2shop card

Once you’ve been accepted in principle, one of our friendly agents will personally visit you to complete a full income and expenditure affordability assessment. The agent will discuss your affordability with you to ensure that the product is suitable for you. They will also give you contact details, so you can get in touch if you need any help in the future, or you can log in to your STF account and manage your payments online. It's a simple process to access your account. Simply click on Login at the top of this page. That will take you to the registration process, where you will need your customer number and an agreement number. Both of these will have been sent to you in the post, shortly after you completed your loan. Then it's just a case of completing the simple form and gaining access to your account.

Receive your money or Love2Shop Card

What our customers say about us...

Are you ready to apply now?

Feeling a little worried about your credit history? As a family run business, we understand that a minor lapse on your credit record doesn't necessarily reflect your character, or even give a true representation of your financial situation. While some lenders have very strict lending policies, we do our best to give you a chance to take out a loan and build up your credit record with a small loan paid back every week. Even if you aren’t working at the moment, we may be able to help. Find out more here.

Arrow IconCalculate your repayments

Already have a loan? Manage everything online. Register now!

Short Term Finance Account BenefitsManage your account

  • Change your address details
  • View your agreements
  • View your account messages & letters
  • Send a message to your agent

Short Term Finance Account BenefitsMake a payment

  • View your account statements
  • View your account balance(s)
  • Get a settlement figure
  • Make a payment by debit card

Short Term Finance Account BenefitsManage your account

  • Request a home visit
  • Apply for a new loan