Warning: Late repayment can cause you serious money problems. For help and advice go to moneyadviceservice.org.uk

Take the sting out of finding a loan

Fast, flexible loans from
£100 to £5000

Keep getting declined for credit? Find out about your Credit Score!

  • Flexible repayments up to 60 months
  • Simple, 2 minute application
  • Cash transfers often same day*
Representative example: £400 borrowed for 90 days. Total amount repayable is £561.92 in 3 monthly instalments of £187.31. Interest charged is £161.92, interest rate 161.9% (variable). Representative 305.9% APR.
We are a licenced credit broker, and not a lender!

Tell us about yourself

Fill out our quick form online. This should take no more than 2 minutes.

Start here

We'll check your eligibility

You should get your decision in around 60 seconds.


Accept your loan proposal

Once you receive your quote, complete the final step to transfer money

Join over 1,400,000 customers we've helped since 2012

Why so many have applied with us

  • Borrow between £100 and £5,000
  • 100% no obligation, FREE application⁴
  • Access to many lenders, with one quick form
  • NEVER any hidden brokerage costs or fees⁴
  • Paperwork often not required
  • Easy reapplication to find another lender
  • 2048 bit secure encryption
Start my application

How we compare

How much can new customers borrow?
Up to £5000
No brokerage fees, ever!⁴
What are the repayment terms?
1 to 60 Months
No paperwork
Percentage of people offered financial help
Quick offer
Can I repay in installments
Flexible repayment
Do we credit check?*
However some lenders do

*Once approved, your cash can be sent within 60 minutes. The time that it takes for the cash to be received in your account will depend on your bank’s policies and procedures.

Despite making every effort to budget for your settlement, most lenders understand that problems can occur. Most lenders have the facilities in place to set up restructuring plans to help you, and whilst this may incur additional charges or interest, it is much better than ignoring the requests. Whilst every lender has different policies, every month that you fail to settle may result in the true cost of your solution growing hugely due to the additional fees involved. A restructuring plan means that these fees stop, and bar the interest, you only owe the outstanding balance.

You must contact your lender directly at the earliest sign of financial difficulties. Ongoing complications means that not only do you incur more charges and interest, but the lenders have no option to pass your details on to collection agencies, which can be even more stressful.

If your situation is passed to a debt collection agency, providers can send the details to a credit reference organisation. This means that a note is put on your credit report of the problem, so that future creditors get a better understanding of your ability to settle credit agreements. All lenders have different policies regarding credit reports, so please read the terms and conditions of your chosen provider carefully. Such notes can stay on your credit file for up to 6 years, so please make every effort to meet your repayment before accepting your proposal.

With some lenders, by meeting your repayment on time, a positive note will reflect on your credit file - this means that you have a better chance of obtaining future credit.

Beeloans.co.uk do NOT recommend renewing your agreement, as it is intended for one-off emergencies. If you feel you have budgeted your finances sufficiently to extend, then you must contact your provider as soon as possible. Please consider though that this may incur an additional charge - please check with your lender.

We work hard to ensure we don't partner with providers that have automatic renewal policies in place, as we feel this is not appropriate. Once we have directed you to a lender, we urge you to check the terms and conditions carefully, to ensure that this is not in place. If it is, you can request the cancellation of the renewal, but you must remember to do so. Failure will result in a further agreement and associated interest and charges, that you don't really need.

We only work with a select number of lenders and brokers who are carefully vetted. Most of the lenders on our panel are generally a member of a trade body or association and asked to comply with an ethical code of practice that subscribes to responsible lending.

What are short term loans?

Short term loans are generally lower valued personal loans, available on a monthly instalment repayment basis of 1 to 6 months. The primary purpose of a short term loan is to spread the overall cost of a loan, so that there is no financial pressure to repay the full amount in days. Short term loans, as with all types of loans, do require careful budgeting, to ensure you can meet your monthly repayments, and should not be considered for use with repaying current debt.

How does a short term loan work?

At Bee Loans, we pride ourselves on not only the systems we use, but the relationships with short term loan lenders we have. The combination results in being able to match you to a suitable lender in seconds. If you are not happy with the chosen lender, you can easily apply again later on, as sometimes lenders have their own systems turned off, so you may get a different result. Changing the loan amount, or loan duration, may also improve your chances of finding a loan, as different lenders have different criteria.

As there is more risk associated, the more repayments you make, the more checks a lender will be likely to use. Often however, once our specialist systems have matched a loan in less than a minute, it is possible that you could see the funds direct in your bank account the same day. In some circumstances however, faxing proof of income and/ or residency may be required. Once we automatically redirect you to your chosen lender’s website, you are under no obligation to proceed, so please take the time to read their terms and conditions to make sure you’re 100% happy.

Generally speaking, once you have agreed to the lender’s loan proposition, you will receive an email and/ or text message confirming the details of the loan. When you respond to this, your loan will be processed, and funds will transfer straight in to your bank account.

Is there a limit to what I can borrow?

The maximum amount you can borrow with a short term loan through our panel of lenders is currently £750. We strongly recommend that you avoid taking out back-to-back short term loans where possible, but should your circumstances dictate that this is necessary, by reapplying following successful settlement of the first loan, you may be able to borrow up to £1000 the second time around. This cannot be guaranteed.

Can I extend my short term loan?

There is normally a short term loan extension policy in place with lenders. However please be advised, that this usually comes with additional fees, so please read the lender’s terms and conditions carefully before committing to this. Please also ensure that you budget and plan carefully, as it can quickly become difficult to meet the repayments, with the interest included.

Collection Agencies

As with most loan providers, our panel of lenders do utilise collection agencies for persistent non-payments. It is important to note, that this scenario presents itself when the borrower fails to contact the lender regarding the matter. You should always speak to the lender as soon as you think you will fail to meet a repayment, as there is nearly always a payment plan that can be put in place. If a non-payment ends up being referred to a collection agency, your credit file will almost certainly be affected. Please check your lender's terms carefully so that you fully understand their individual approach to using collection agencies.

Credit Reference Agencies

The use of credit reference agencies varies from lender to lender. However, in most cases, a note will be sent to your credit file should you fail to make a repayment. This will negatively impact your future chances of obtaining credit, so please make every effort to repay.

Similarly, by fulfilling your loan repayment, lenders may send a positive note to your credit file. In this instance, you may find the ability to obtain future credit increased.

Late Payment Charges

In addition to a note being put on your credit file due to non, or late payment, it is important to consider the immediate financial implications of such. You should always contact your lender directly if you have problems, as failure to do so may result in additional charges being added; causing your true cost of the short term loan to rise. Payment plans are usually possible, but also can result in additional fees.