6-month loans from Instant Lolly

At Instant Lolly, you can borrow 6 month loans from £100 to £3000. We also offer other repayment options ranging from 1 to 24 months, so you'll always be able to find a repayment plan that's just right.

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

6 month loans at a glance

Key facts6-month loan
Loan term 6 months
Borrow £100–£20001
Loan type Short-term loan (unsecured, no guarantor)
Apply with bad credit? Yes
Borrowing example Borrowing: £500
Term: 6 months
Total interest: £155.52
6 repayments of: £109.25
Total repayment: £655.52
Interest rate: 100%

Some 6 month credit products may vary from the description. All costs are for illustrative purposes only. 1 The majority of lenders have a maximum borrowing limit of £2000 or less on loans up to 6 months — applying for a larger amount of money may reduce the likelihood of being accepted.

How do I apply for a 6 month payday loan?

Instant Lolly is a safe and convenient way to apply for 6 month payday loans online. We'll save you time and hassle, and help you get the loan you need faster.

If you think a 6 month payday loan from Instant Lolly is the right choice for you, just decide how much you'd like to borrow, select the 6 month term and start your application. If you're still fact-finding, you can use the slider to explore our full range of loans.

Our service is completely FREE to use and is available to UK residents age 18 and over. To apply for a 6 month loan with us, you must have a regular monthly income from a job, pension or benefits. You'll also need a bank account with a debit card, a mobile phone and an active email address so that we can process your application.

How much do 6 month loans cost?

Does a six month loan work with your budget? Check out typical costs for the most popular loan amounts borrowed over 6 months.

Repay in 6 Monthly Instalments
Amount Borrowed 6 Payments Total Repayable
£300 £66 £393
£400 £87 £524
£500 £109 £656
£600 £131 £787
£700 £153 £918
£800 £175 £1,049
£900 £197 £1,180
£1,000 £282 £1,694
£1,100 £240 £1,442
£1,200 £262 £1,573

Examples are for illustrative purposes only. Calculations are based on an annual interest rate of 100%. If you apply with Instant Lolly and are accepted, the actual cost may vary depending on the lender you're matched with and the rate you are offered.

Other repayment examples

Six month loans not quite the right fit? Why not check out these popular alternatives:

Repaying your 6 month loan

Most 6 month instalment loans are repaid in 6 equal monthly instalments. The lender will make arrangements to take repayments directly from your bank account on agreed dates. Your repayment plan, which forms part of the loan agreement, will set out the six instalment amounts and dates so that you can plan ahead.

Apply for a 6-month loan today

(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.