Warning: Late repayments can cause you serious money problems. For help, go to moneyhelper.org.uk. We are a broker not a lender.
Representative example: if you borrow £550 over 18 months at a flat rate of 180% per annum (fixed) with a representative 770% APR you will make 18 monthly payments of £113.06, repaying £2,035.08 in total. Rates from 45.3% APR to 1721% APR.A short term high cost loan should not be used as a long term solution. We are a broker not a lender. We don't charge fees. We don't sell your personal information. We may receive a commission from the lender.
Get started
How our short term application process works
Online application
Complete our quick online application. It only takes a few minutes.
Bear with us
Wait while we search for a loan offer for you from our panel of lenders.
Receive your loan
If you're happy with your quote you could receive your loan the same day*.
How do we work?
As a loan broker we introduce you to one of our panel of brokers and lenders to see if they are able to provide you with a short term loan. If you are matched successfully with one of our panel then you are provided with the opportunity of entering a borrowing agreement with that specific lender or broker.
Please be sure to consider all of the information provided to you by any lender or broker before deciding to take out a short term loan. In particular you should read any documentation and information available on their website to help you decide whether the loan is appropriate for your circumstances. If you are unsure or need impartial advice please visit moneyhelper.org.uk.
Why should you consider Money Cub?
Reasons to consider applying with us
We don't charge fees
Money Cub don't charge any fees when you apply for a short term loan.
Quick approval
You could get a decision and receive your loan the same day*.
Confidential & secure
Our service and all of the lenders we work with are secure.
Short term loan rates
An example of our loan rates
Loan amount
£550
Repayment period
18 months
Total amount repayable
£2,035
Representative example: if you borrow £550 over 18 months at a flat rate of 180% per annum (fixed) with a representative 770% APR you will make 18 monthly payments of £113.06, repaying £2,035.08 in total. Rates from 45.3% APR to 1721% APR.A short term high cost loan should not be used as a long term solution. We are a broker not a lender. We don't charge fees. We don't sell your personal information. We may receive a commission from the lender.
Common questions
Money Cub frequently asked questions
No, we are a credit broker.
We are a free online credit brokerage. We DO NOT charge our customers a fee for this service. No one from Money Cub or any financial partner relations; including lenders; will ever contact you and request you to send money to them or buy products from them in advance of receiving your loan.
To learn more about dealing with cold-calls, refer back to our fraud protection guidance.
Short term loans are always a short term option. If you don't fully repay your loan when agreed then your lender could add fees and charges to your loan that make it more expensive. Your lender may also report to the credit reference agencies, so if you fail to meet your repayments, your credit rating might be adversely affected.
Most lenders usually collect repayments via debit card however you may be asked to set up a direct debit. If they have been unable to collect your repayment on the date it's due then they will usually keep trying your card for up to 90 days. Your lenders collection practices should be outlined in their terms and conditions.
Most of our customers are people who can't get regular loans from a bank. The lenders we deal with tend to have higher APR than the general mainstream banks, however when you take a loan you can't be charged more than 0.8% per day in line with the FCA rules, so the quicker you pay off your loan the less interest it will cost you.
Since short-term loans are usually paid back in a shorter amount of time, the APR is not the best way to compare our rates to those of other lenders. The sum amount you pay back is more important to our lenders than the APR. APRs for longer term loans tend to be cheaper because the loan payments are spread out over a longer period of time.
We don't work with every UK lender, so you might find a cheaper loan somewhere else.
Before you apply
Money Cub checklist
Over 18
You must be at least 18 years old
UK resident
You must be a UK resident living in the UK
Valid address
You must have a valid UK address
UK bank account
You must have a valid UK bank account
Regular income
You must be employed and receive a regular income
Able to repay
You must be able to repay the loan