WARNING: Late repayment can cause serious money problems. For help, visit moneyhelper. LoanBird are a licenced credit broker, not a lender. LoanBird does not make credit decisions. We may receive a commission from the lender or broker we introduce you to.
6 Month Loans
Borrow a Loan From £100 – £5,000*
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Most Loans Are Paid on the Same Day
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Rates from 48.1% APR to 1721% APR. The minimum Loan Term is 1 month. The maximum Loan Term is 36 months. Representative Example: £1,000 borrowed for 18 months. Repayment of £89.22. The total amount repayable is £1605.96. Interest amounts to £605.96, annual interest rate of 59.97% (fixed). Representative APR: 79.5% (variable).
Note: High cost short-term credit is designed for temporary financial relief in unexpected situations and is not intended for long-term use or regular financial management.
Search for 6 Month Loans Online & See If You Can Get Pre-Approved with LoanBird
What is a 6 month loan?
A 6 month loan is a short-term financing option that can be repaid through 6 monthly instalments, agreed by both the borrower and the lender. The fixed sum of the monthly repayments are determined by one of LoanBird’s 30+ Financial Conduct Authority (FCA) approved lenders who assess a number of factors when considering 6 month loan applications, including the borrower’s credit history; whether good or bad, their income and how much they are interested in borrowing.
There are many reasons someone may be looking for a 6 month loan rather than any other short or long-term options. Whether that’s consolidating other debts, covering unexpected expenses or bridging a financial gap, LoanBird offers transparent loans without any hidden fees.
Should you be searching for a 6 month loan that has the potential to pay out quickly, then follow our simple online application process to see if you are eligible for a 6 month personal loan with us.
Can I apply for 6 month loans with bad credit?
At LoanBird we pride ourselves on being able to offer a free-to-use online service that allows loan seekers to skip endless lender and credit inquiry searching and jump straight to hopefully finding the ideal match. With 30+ FCA-approved lenders by our side we could provide hassle-free, quick loans, even for those in the UK with bad credit. Whether you require a short-term loan like our 6 month loans, emergency loans for bad credit or payday loans with bad credit, through our application we’ll try and assist you with the loan type you require.
As proud as we are to say that we can offer loans for bad credit as many of our lenders evaluate affordability, we cannot guarantee that every loan application will be approved. However, our pre-approval process could offer a much higher likelihood of approval than applying blindly. In order to increase your chances of being approved for a loan with LoanBird, you should only apply for loans that you are confident you can afford.
Our eligibility criteria are straightforward:
- You must be at least 18 years old.
- You must be a UK resident.
- You must have a valid debit card linked to a UK bank account.
- You must have a steady source of income.
Our commitment to inclusivity means that individuals with poor credit could still access loans with LoanBird. Do you have bad credit? Why not consider our quick loans for bad credit. (Subject to lender checks and your circumstances).
How much can I borrow for 6 months?
When considering a 6 month personal loan with us, borrowers typically have the option to secure amounts ranging from a minimum of £100 to a maximum of £5,000. The flexibility in our borrowing range will allow you to tailor the loan to your financial needs, whether it’s to cover smaller, short-term expenses or to manage larger, more significant costs.
Your 6 month loan repayment terms will be spread over six months, offering manageable instalments that are designed to help reduce your financial strain. When considering our 6 month loans, it’s important to evaluate your realistic repayment capacity, ensuring that the loan amount fits comfortably within your budget to avoid any potential financial difficulties in the future. If you are looking to borrow an exact sum of £1000 and have flexibility around your required repayment time, then you may benefit from finding out more about our £1000 Loan option.
How can I apply for a 6 month loan?
Applying for up to £5000 with a repayment length of 6 months with LoanBird, requires 3 simple steps.
Step 1 of your 6 month loan application requires you to let us know the amount you want to borrow and the purpose of your loan. We’ll also use this time to check you are happy with a repayment length of 6 months. The information you provide us at this stage helps us to try and match you with a lender.
Step 2 of your application is our determination. Once we have received all of the necessary information we need, we’ll be able to let you know whether your application has been accepted. If it’s good news, we’ll provide you with your options from our panel of FCA-approved lenders for you to accept.
Step 3 and the final stage is the transfer of your requested cash amount straight to your bank account, on average in under 60 minutes.
Simple, right? Start your loan application today.
6 Month Loan FAQs
First and foremost,
You should contact your lender immediately to explain your circumstances so they can assess the situation to hopefully offer assistance. If you have any financial problems and debts are becoming unmanageable, you can receive free advice from various organisations like:
moneyhelper.org.uk and citizensadvice.org.uk
When you borrow money for 6 months, your monthly repayments will be made on a date that has been agreed by both the borrower and the lender at the time of approval. The amount will also be specified at the approval stage. Please contact your lender if you have further questions or want to do this.
*Late repayment can cause serious money problems. For help, visit moneyhelper.org.uk
APR stands for Annual Percentage Rate.
The present APR shown on our website of R 12.9% APR to 1721% APR is just an example; this can vary from lender to lender. This usually depends on the terms and circumstances of the loan you choose. APR takes into account the interest on the loan, along with other potential charges, e.g. arrangement fees. All lenders will tell you their APR rate before you sign any loan agreement.
Once you have accepted one of our loans we always aim to send the funds over on the same day. We are proud to say our lender’s average transfer time is around 10 minutes.
Of course. At LoanBird we don’t just offer 6 month loans online, we also welcome loan lengths starting from as little as 1 month up to 3 years. Take a look at our other loan options to find which one is most suitable for you.