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

6 Month Loans

Apply for up to £5,000 over a period of 1 to 60 months.

Representative Example: If you borrow £500 over 6 months at a rate of 25.5% per annum (variable) with a representative 46.19% APR you will make 6 monthly payments of £92.96, repaying £557.76 in total.

Warning: Late repayment can cause you serious money problems. For help, go to www.moneyhelper.org.uk/en.

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Understanding 6 Month Loans

Looking to Borrow for 6 Months?

While payday loans are suitable for some being repaid in 30 days, others may prefer to split the cost of borrowing over a longer short term period such as 6 months. A 6-month loan can be great in many circumstances; however, there are a few things you’ll need to consider first.

In this guide, we’ll talk you through what you need to know before applying for this type of loan.

What is a 6-month loan?

6-month loans are short term loans which are borrowed and repaid over a fixed period of six months. They are usually used to cover expenses such as bills and living costs. These loans help spread the costs of the loan and its interest into 6 equal repayments.

Where can I get a loan for 6 months?

There are a number of places where you may be able to take out a loan for the duration of 6 months, such as:

  • Bank or building society
  • Credit union
  • Lender or credit broker
  • Friends or family

What can I use my loan for?

At Flexy Finance, we specialise in helping you as our customers to find the best deals on short term finance. We search our panel of direct lenders in real-time to ensure that we both find you the best deal and provide you with an instant decision on your application.

Borrow loans of up to £5,000 for six months, for the purpose of:

  • Paying home and utility bills
  • Car and vehicle payments or repairs
  • Unexpected bills, purchases or repairs
  • Large purchases

Can I borrow for more time?

If you wish to repay your loan back over a period of time longer than 6 months, we can accommodate your needs. At Flexy Finance we offer flexible repayment periods from 1 to 60 months. So whether you wish to repay your loan in 6, 12 months or longer we may be able to help.

Can I get a loan with bad credit?

Many applicants worry about their poor credit history getting in the way of borrowing credit.

If you’re looking to borrow a cash loan for 6 months, there are still lenders who will be willing to offer you credit. However, interest rates and APR can be higher for applicants with bad credit ratings; therefore, you should always make sure that you consider this when making your decision.

Can I get a loan with CCJs?

If you have been issued a County Court Judgement (CCJ) in the past, you might be wondering whether you’re eligible to borrow money.

As long as you have a regular income and are actively making improvements to your credit report by repaying your debts on time, you should be eligible to apply for a loan. However, some lenders may require you to provide a loan with your application.

How do I improve my credit score?

You can improve your credit by keeping a record of your repayment dates and outstanding loan amounts. Ensure all of your debts are repaid in full and on time. Once credit report agencies see how you manage credit effectively, they will be more likely to approve your loan application.

You can further improve your credit by:

  1. Ensuring you are on the electoral register
  2. Checking for mistakes or fraud on your credit report
  3. Borrow credit if you haven’t taken any out
  4. Stay with 20% of your credit limit and don’t go over that
  5. Don’t apply for a lot of credit in a short period of time
  6. Add a statement to your report to explain your circumstances
  7. Ending negative credit associations (i.e. with ex-partners or ex-business partners)

** For more information on how to boost your credit, you can visit the Money Advice Service for more advice. **

How can I apply for a loan?

To apply for a loan with us, you’ll need to fill out an application form with some of your personal and financial details circumstances. Then a soft credit check will be performed to confirm your details. You’ll receive an instant decision on your application and be matched with a lender.

What are the advantages of borrowing over 6 months?

Generally, if you opt for a 6-month loan to spread the costs of your monthly repayments, it can lower your interest rate and your total repayment period. You can check if your interest rate pa is fixed and APR in the terms and conditions of your short term loan.

Other advantages include;

  • Easier and more affordable loan repayments
  • No limitations on what you can use your credit for
  • Can be used as an alternative to payday or long term loans

However, it should be mentioned; you should always consider affordability when taking out any form of credit. Use a loan calculator to ensure that you can afford to make your repayments in addition to any additional interest or fees as per your loan agreement.

How many months do you have to work to get a loan?

If you’ve recently started a new job, some lenders may wish for you wait for a period of 3 to 12 months before you go ahead and apply for credit. Lenders like to know that your employment situation is secure to ensure that you are able to make repayments.

Am I eligible to borrow money?

Most lenders will have lending criteria that you will have to meet in order to be eligible and suitable for taking out credit. At Flexy Finance, we require that our applicants:

  • Are at least 18 years of age
  • Are UK residents
  • With a valid UK bank account and debit card
  • With an income of at least £750pm

Why Choose Us for 6 Month Loans?

Why choose us? Flexy Finance
How do I apply? Via our online application form
How much can I borrow? We offer loan applications of £100 – £5,000
For how long? For periods of 1 to 60 months
How long will it take to receive my money? From 24 hours*
Are there any hidden fees? No, we charge no fees for the service we provide
Representative APR 46.19%

What does representative APR mean?

APR stands for ‘annual percentage rate’. Representative APR is the total cost of borrowing money over a year, which includes the interest and standard fees you will have to pay.

It is ‘representative’ as 51% of applicants will receive the same rate of interest, or lower, that is advertised by the lender. Therefore, it is not guaranteed that customers will receive the same APR that is advertised.

Instead, a customer will likely be offered a personal rate on a loan, which can be lower, higher, or the same as the advertised APR. Personal rates are generally influenced by factors such as credit score, personal finances and how much you want to borrow.

With the lenders we work with at Flexy Finance, the representative APR that we advertise is 46.19% APR.


What is a 6-month loan?

A 6-month loan is a short-term loan taken out by an applicant and repaid within a period of six months. These loans are popular as they can be used to cover the costs of bills and living expenses, spreading the costs of the loan over six equal monthly repayments.

How do 6-month loans work?

Once you have agreed to the terms and conditions of the loan, you can have your funds debited into your account in as little 24 hours*. You’ll then make monthly repayments over 6 months until you have repaid the remaining debt you owe.

Why choose Flexy Finance?

At Flexy Finance, we help customers to find the deals on short-term finance that they need when they need it. Our entire application process can be completed in less than 15 minutes, providing you with a decision on your application the same day you apply.

How to Find 6 Month Loans in Three Steps

Time Needed : 5 minutes
Check these steps to find out how easy it is to apply for a loan at Flexy Finance!
  • 1. Submit An Online Application Form​ for 6 Month Loans

    Applying through Flexy Finance is always quick and easy. Simply complete our 1-2 page application form. You can apply on the go, or from the comfort of your own home. Better still, there are no calls or paperwork involved!

  • 2. We search a large panel of UK lenders

    We search a large panel of UK lenders in real time, so that we can deliver you an instant decision. Within seconds of applying you'll know if a lender has accepted you or not. Unlike banks, our lenders are able to issue loans to people from all different walks of life and accomodate a range of different credit scores. There's an option for everyone!

  • 3. Access The Cash

    The majority of lenders are able to deposit the cash direct to your account, within just 24 hours! We'll never charge you any fees and there is no paperwork to complete. There you have it, apply for up to £5,000 in the quickest and simplest way possible today

  • 1. Mobile, Laptop or Tablet.

Our Loan Options:

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