3-month loans

At Instant Lolly, we can provide 3-month loans up to £3,000. Our three-month loans are quick and easy to apply for and can be sent to your bank within 15 minutes of approval.

We also offer a further range of repayment terms from 1 month up to 2 years — so, if a 3-month payday loan isn't right for you, we guarantee to have a short-term loan option that is.

Find a loan to suit you

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(It won't affect your credit score)
Representative 669.35% APR (variable)
View example
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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 £400 — 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:

  1. select the amount you would like to borrow using the slider
  2. check the 3-month term
  3. click APPLY to start your application

Are you ready to apply?

Ready to apply? Get up to £3,000 within 15 minutes of approval

(It won't affect your credit score)
Representative Example:
Representative 669.35% APR (variable). £250 borrowed for 30 days. Interest charged is £60.00. Total amount repayable is £310.00. Annual interest rate of 292% (fixed).
Important Information

If you do not make your minimum repayment by the agreed upon due date, you may incur additional charges and penalties. If you are having problems paying, please call your credit provider. For other sources of assistance, call the Step Change Debt Charity on 0800 138 1111; or National Debtline on 0808 808 4000; or visit moneyadviceservice.org.uk; or visit your local Citizens Advice Bureau.

Loan approval: All loan offers are subject to lender final approval. Approval/transfer times vary by lender. Not all lenders may be able to transfer funds in 15 minutes. Approvals/transfers may take longer for applications processed outside normal working hours. If your bank does not support faster payments, it may take longer for funds to reach your account.

Credit checks: When assessing your eligibility for a loan, lenders will carry out a soft search; only you can see them on your credit report and they have no impact on your credit rating. If you accept a lender's loan offer, they will perform a hard credit search which will be visible to any company searching your credit report for 12 months.

Instant Lolly does not charge customers a fee for using its services, but it receives a small fee from lenders or other brokers following an introduction through this website.