3-month loans
Looking to borrow between £100 and £3,000 over three months?
You're in the right place; Instant Lolly can help you find the ideal 3-month loan — from a top UK direct lender — in just a few minutes.
3-month short-term and payday loans
3-month loans allow you to spread chunky bills and costs over a few paydays rather than trying to manage one unwieldy lump sum. Of course, you can use a 3-month short-term or payday loan for any other suitable purpose too.
Ready to find your perfect loan? Select the 3-month term and the amount you need, and with the help of Instant Lolly, you could receive money in your bank account today.
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3-month loans offer a degree of flexibility that payday loans can’t match, enabling borrowers to spread repayment over three monthly instalments rather than pay back a single lump sum. For many people, short-term 3-month loans are considerably more convenient (and affordable) than payday loans — especially when larger loan amounts are needed.
3-month loans at a glance
Key facts3-month loan
| Loan term |
3 months |
| Borrow |
£100–£10001 |
| Loan type |
Payday loan, Short-term loan |
| Credit types |
Good and bad credit |
| Borrowing example |
Borrowing: £300
Term: 3 months
Total interest: £156.51
3 repayments of: £152.17
Total repayment: £456.51
Interest rate: 292%
|
Some products may vary from the description. Costs are for illustrative purposes only. 1 The majority of lenders have a maximum borrowing limit of £1000 or less on loans up to 3 months; applying for a larger amount of money over a three-month term may reduce the likelihood of finding a suitable lender that will accept you.
How much does it cost to borrow money over 3-months?
Is a 3-month loan affordable for you? Compare repayment costs for the most popular loan amounts available to borrow over 3-months, with loans starting from just 100 pounds.
3-month loan repayment costs
| Amount |
3 Payments |
Total Repayable |
| £100 |
£51 |
£152 |
| £200 |
£101 |
£304 |
| £300 |
£152 |
£456 |
| £400 |
£203 |
£609 |
| £500 |
£254 |
£761 |
| £600 |
£304 |
£913 |
| £700 |
£355 |
£1,065 |
| £800 |
£406 |
£1,217 |
| £900 |
£457 |
£1,370 |
| £1,000 |
£507 |
£1,522 |
Costs are for illustrative purposes only. Payments are based on a typical annual interest rate of 292%. If you apply with Instant Lolly, your personal quote may vary.
Alternative repayment terms
You can explore other popular terms using the links below:
How do I repay a 3-month loan?
Most 3-month payday loans from direct lenders are repaid in 3 equal monthly instalments. The lender will make arrangements to collect payments from your bank account at monthly intervals, so you wont need to worry about forgetting repayments.
Your repayment plan (that forms part of the loan agreement) will confirm the three payment amounts and collection dates so that you can plan ahead with certainty.
Applying for 3-month payday loans through Instant Lolly
Instant Lolly is a quick and convenient way to get a loan online. We can save you time and hassle, and help you get the money you need faster.
We have access to over 50 direct lenders — and you can check your eligibility with just one application, which won't impact your credit rating.
Am I eligible?
Our service is completely FREE to use and is available to UK residents age 18 and over.
To apply for a 3-month loan with us, you must have a regular monthly income of at least £500 — from a job, a pension or benefits.
You will also need a bank account with a debit card, a mobile phone and access to an email address.
How to apply
If you think a three-month loan from Instant Lolly is the right choice for you, it's easy to get started:
- select the amount you would like to borrow using the slider
- check the 3-month term
- click APPLY to start your application
Are you ready to apply?