4 Month Loans

Search online for a 4 month loan using our simple 3-step process in minutes. Here’s how:

Representative APR: 49.9% | Representative Example: Loan Amount: £1,000 over 12 months at £107.53 per month. Total Repayment: £1,290.36 | Interest: £290.36. Interest rate: 49.9% p.a. Fixed*.

Discover 4 Month Loans With Help From LoanBird

  • Step 1 - Application

    Fill in our application form, which only takes a few minutes, with details of the 4 month loan you want to borrow. We can then work quickly to show you your offers.

  • Step Two - Decision

    In seconds you’ll see the lender offers available on 4 month loans. All you have to do is choose the one you like the look of.

  • Step Three - Cash

    Once approved by the lender and you’ve signed your digital loan agreement, you’ll receive the cash on the same day, sometimes in just 10 minutes!

Get Quick Funding for a 4 Month Loan Through LoanBird

Finding short term options when you need funds quickly can leave you feeling overwhelmed by the many options online. With so many lenders offering fast cash, it isn’t always easy to know which ones you can rely on to treat you fairly and provide the best loan options. Here at LoanBird, if you need a 4 month loan today, we can connect you with FCA approved lenders who are willing to help and provide a trustworthy service. With just one application, you’ll have access to our panel of lenders who are all ready to pay out the cash you need the same day of approval. You could spend hours searching online, comparing lenders to find the best options. Instead, we can speed up the process and connect you with the right lenders in seconds.

What makes us different at LoanBird is that we only connect you with reliable lenders, showing you your pre-approved 4 month loan offers based on your details. As FCA authorised brokers, we help you avoid lenders who can’t help you and pair you with the ones that are happy to lend you the funds, even if your credit history is poor. No credit check is required to view your offers either, as a ‘soft search’ is performed to determine which lenders can help. This won’t show on your credit file and won’t impact your current credit score, leaving you to browse at your own pace and choose the offer that works best for you. Ready to see your 4 month loan offers? Click apply now and we can get started.

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What are the Benefits of Using LoanBird to find 4 Month Loans?

Quick and easy online application

Find 4 month loans up to £15,000

Apply for 4 month loans online from anywhere

Instant decision 4 month loans finder

Choose instant 4 month loans, business loans, personal loans and more

Find a 4 month loan with no credit check required

Over 30 FCA authorised lenders of instant 4 month loans in the UK

Instant bad credit loans available

Cash in your account 10 minutes after approval

No brokerage fees – completely FREE to use!

How to Choose a 4 Month Loan from a Trusted Lender

It’s simple to find reliable lenders when you use our FREE credit broker service. With just a few details about you and the 4 month loans amount you want, we can check our panel of lenders to see which are in the best position to help you. There are no hidden fees and you’ll be presented with all the information you need to make a financially savvy decision. There’s no obligation to continue your application at this point, so if you review your offers and then change your mind, that’s not a problem. We want our customers to be able to browse and find the best options for them and keeping our service FREE to use is part of that commitment.

There could be many reasons why you would want to apply for a 4 month loan; an emergency expense, an unexpected repair bill or other short term expense you want to spread the costs of. Our customers come from a range of different financial backgrounds, so there is no requirement to have a good credit score or a certain reason for the loan. As long as you have the ability to make monthly repayments and sustain them, there is every chance we can help you find a 4 month loan that works for you.

Eligibility for a 4 Month Loan

There are only a few criteria to meet to be eligible for a 4 month loan through us. We’ve kept the eligibility as simple as possible so that we can help more people find the funds they need. You will need to be:

At least 18 years of age

A resident in the UK

Hold a UK bank account with a valid debit card

Receive a regular income

If you can meet the above, you are already one step to finding a 4 month loan today. We recommend having the following documents prepared before selecting a loan to continue with. You should have proof of identity, proof of address and your most recent bank statements ready to show the lender to support your application. Having these prepared will help you avoid any delay with your application.

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Apply for 4 Month Loans Today

You can easily find your pre-approved offers of 4 month loans online using LoanBird. Click apply now to review your offers straight away and get the cash you need within 10 minutes of signing your loan agreement. Have any questions? Please feel free to get in touch with the team here at LoanBird with any queries you may have about our service or the types of loan we can help you with. You’ll also find helpful answers in our FAQs section and more about us here.


4 Month Loan FAQs

Are there Longer Terms Available than 4 Month Loans?

A 4 month loan is ideal to cover a short term financial position, but we can help you borrow a loan over a longer repayment term. The maximum term you can apply for is 5 years, but this will only be available on certain types of loans as well as certain amounts. You should only take out a loan for as long as needed and determine repayments on what you can afford. If you can pay more each month to pay off the loan quicker, choose shorter repayment terms.

What is the Interest Rate on a 4 Month Loan?

The interest rates will vary on a 4 month loan depending on the lender you choose, but all APR rates start from 49.9% on the loans you’ll see. The amount of interest you pay will depend on the amount of the loan, the repayment term, and your credit history. After filling out our application form, you will be able to review the lender offers of 4 month loans and see the interest being charged. If you’re happy with the terms being offered, you can then continue your application. If you can’t find what you’re looking for, there is no obligation to proceed.

Can I Pay off my 4 Month Loan in Full Early?

Many lenders will allow you to pay off the balance of your 4 month loan early if you can afford to do so. You will need to check the terms of your credit agreement first as some lenders may charge an early repayment fee. Contact the lender directly to discuss the early settlement of your loan and if you are happy with any charges due, pay off in full. With some loan types, such as a personal loan, you may be entitled to a refund of interest for paying off early, but please check your credit agreement to see if your loan is entitled to this.


Related Info to 4 Month Loans:

2 Month Loans

Payday Loans

Small Loans

£500 Loan

15 Minute Loans