How it Works

When a financial emergency suddenly strikes, you need a solution fast. Happy Penguin can offer access to the money you need to get yourself and your family out of a tight spot. Not only are they easy to apply for, but most short term loans come with quick approval rates, and even support for people with bad credit histories.

A short-term loan, as the name would suggest, is a lending opportunity given to people who only need to borrow money for a minimal amount of time. The amount you borrow and the interest that you accumulate will typically be paid back within 6 months or loss. However, there are short term loans that can last for up to a year. Short term loans are also usually intended for people who only want to borrow a small amount of cash – typically between £50 to £5,000. However, the exact amount you’ll be able to borrow will depend on your provider.

More of the than note, short-term loans are a go-to choice for people with emergency expenses that arise out of nowhere. For instance, if you need to fix your car suddenly, or deal with a broken-down boiler, then you can turn to a short-term loan for assistance. However, you might be better served by a personal loan if you’re looking for cash to re-build your kitchen or go on vacation.

If you’d like to apply for one of our short term cash loans then just head on over to the apply page via the button above. Our application form has been designed to be completed in less than 2 minutes!