What Are 3 Month Loans?

3 month loans can be very useful when it comes to getting on top of your finances. If you’re facing unexpected bills and debt you can turn to LoanPig to find you a 3 month payday loan to suit your needs.

We offer a fast and hassle free service with high acceptance rates, doing our best to make taking out a payday loan one of the easiest things you’ve ever done. When you’re in need of fast funds, ask LoanPig to come to the rescue!

Payday loans or short term loans are simple, fast and small loans that can help you out when you run into a financial crisis. All it takes is a quick and easy online application process to get you the funding you need to get on top of your finances.

With LoanPig you can have your application submitted and the money in your account all on the same day and we do our best to bring you reliable 3 month loans at great rates.


What Are 3 Month Loans Used For?

There are many ways in which payday and cash loans are used, but most people use them to pay off emergency costs. When you get into an accident or something important breaks, like your boiler in the middle of winter, you can’t always wait for your next pay cheque and leave the problem alone.

You need money and the problem fixed fast. That’s when people turn to emergency loans like our 3 month loans. 3 month loans are fast, simple and all done online, so if you’re in a hurry for money, a short term loan is the best way to go.

Just fill out a form and wait for the funds to get to you. Then, once the problem has been fixed, you can pay back the loan with your next pay cheque.


How Much Will I Be Paying Back On My 3 Month Loan?

There are a few factors that can affect the amount that you pay back on your loan and one of the most important of these is APR. ‘APR’ stands for Annual Percentage Rate and this percentage represents how much you will be paying if you keep your loan for a year.

This includes all of the interest and fees added on top of the price of your original loan. Of course, if you’re only taking out 3 month loans, you won’t even have to think about paying back that much.

If you make your payment on time, the amount that you pay back on your 3 month loan won’t be that much more than the original amount and it will be broken up into easy, monthly payments.

How Much Would You Like?

Representative example: Borrow £300 over 3 months @ 292% pa (fixed) Total repayment: £457.95 in 3 monthly payments of £152.65. Representative 1261% APR.

Am I Eligible For A 3 Month Short Term Loan?

While we try to make our loans as available as possible, there are some criteria that need to be met in order to be accepted for a 3 month short term loan.

  • Over 18 years old
  • A resident of the UK
  • In full time employment/ receiving a pension/ receiving disability allowance

As well as meeting these requirements, you must also be able to pass our credit check and affordability assessment. We welcome credit histories of all kinds at the same time as do our best to promote responsible lending.

We ask that, before you apply for a 3 month payday loan, you are certain that you can afford your repayments. For an estimate of how much your monthly repayments might be you can use the Loan Calculator on our homepage.


How Do 3 Month Loans From LoanPig Work?

When you apply for a 3 month loan through LoanPig you are guaranteed a quick and easy application process. Everything can be done online, meaning that there’s no fuss or worry when it comes to finding 3 month online payday loans that are right for you and there’s no need to put your life on hold.

Long forms and phone calls will be a thing of the past when you come to LoanPig for your 3 month payday loans.


How Can I Apply For A 3 Month Short Term Loan?

Our online loan application process is one of the fastest and easiest you’ll find anywhere. It only takes a few minutes and you don’t have to worry about filling out any paperwork or answering any phone calls.

To apply for your 3 month short term loan, simply use our Loan Calculator to tell us how much you would like to borrow and click ‘Apply Now’. Then, to finish your application, fill out the online form as truthfully and accurately as possible with your details and click ‘Submit’.

After that, you can just sit back and let LoanPig do the job of finding you the perfect short term lender to match you to one of our lenders’ 3 month loans.


What Happens After I Submit My 3 Month Loan Application?

LoanPig are a bit different from your typical payday loan provider because we’re not just a short term loan direct lender – we are also a loan broker.

We have a panel of the UK’s leading short term loan lenders that are prepared to help you find the 3 month loans you want for the best possible rate.

Once you submit your application to us, we will review your loan details ourselves, then, where applicable, hand over your loan request details to our panel of lenders.

If one of them accepts your loan application they will perform a credit check to keep on file and we will send you to your new lender’s website where you can finish your application.

If you have any questions about 3 month loans you can find more information on your lender’s website or contact them directly.


How Long Until I Can Access My Funds?

While the time it takes to receive the funds for your 3 month short term loan depends on the lender, we work fast to get the money you need into your account as soon as possible.

Most of the time, if you submit your application before 3pm any day from Monday to Friday, we’ll have your funds in your account on the same day. However, if you submit your application during the weekend or after 3pm we’ll get your money to you as soon as possible on the next working day.


Do You Perform Any Checks When Applying For 3 Month Loans?

We have one of the highest acceptance rates of any loan provider and do our best to make our 3 month loans as accessible and flexible as possible.

We won’t perform any checks until you have submitted your application, once you do we’ll perform a soft credit check then continue with your application, to covering credit histories. We know that a credit score doesn’t define a customer, so we try to be as accepting as possible while making sure that our 3 month loans are affordable and suits your circumstances.

What Should I Do If I Can’t Make A Payment?

Most of our 3 month payday loans from our lenders can be paid back in manageable monthly instalments, designed to make paying back your loan easy and stress free.

However, you never know when your circumstances might change and you can’t make your payment. Each of our lenders have different policies regarding late or missed payments, but if you miss your payment date without notice you may be subjected to a £15 missed payment fee and an increased interest of 0.8% each day until you make your payment.

In order to avoid this penalty, it’s important that you keep your lender up to date on your financial situation and let them know if you have any trouble making a payment. They may be able to defer your payment until the next month or arrange a more suitable payment plan for you.

Why Should I Choose LoanPig For My 3 Month Payday Loan?

When you use LoanPig to find 3 month loans, you’re using one of the fastest and most reliable services in the UK and we will do our best to connect you with the right lender.

3 month payday loans from LoanPig are one of a kind and you can count on us to give you the best solution for your money troubles.

What Are The Benefits Of 3 Month Loans?

There are many reasons why people choose to apply for 3 month loans. In some cases, they can be cheaper than entering your bank overdraft and are a good alternative if you have been denied a secured loan in the past. People prefer to apply for 3 month payday loans because they are:

  • Fast: a lot of the time, you can receive the funds on the same day as submitting your application, which means that your financial emergencies can be dealt with quickly before they can get any worse.


  • Easy: not many people have the time to apply for a loan in person. When applying for other types of loans you might have to fill out mountains of forms and shake a lot of hands. But, with payday loans from LoanPig, everything can be done online. So, you don’t have to worry about finding time to fill out your application. All it takes is a few minutes.


  • Accessible: LoanPig accepts credit scores of all kinds and our lenders aren’t the type to turn you away if you’ve missed a payment or two. We know that there is a lot more to you than your credit score, which makes our 3 month payday loans more widely available to people that might be rejected elsewhere.

If you’re stuck with a broken down car or a burst pipe, the last thing you could probably use is a big stack of forms. 3 month payday loans that you find through LoanPig are simple and designed to give you the help you need when you need it most.

Is My Personal Information Safe?

LoanPig take security very seriously and employ a range of methods to ensure that all of the information that you give us is kept secure and private.

Our website is encrypted and none of the information that you enter into our online application will be stored online. We also ensure that the lenders on our panel have taken precautions and even use Fraud Prevention Agencies to make sure that no one other than you tries to apply for a 3 month loan with your name.

You can look out our Privacy Policy for more information about how we keep your personal information safe.

 Are LoanPig 3 Month Loans Regulated?

LoanPig, as well as all of the payday lenders on our panel, comply with FCA regulations and LoanPig is entered on the Financial Services Register.

The Financial Conduct Authority has greatly helped in regulating payday lenders and we recruit only licensed and regulated payday lenders to be on our panel, ensuring that your 3 month loan is safe, affordable and right for you.


Are There Any Terms To My 3 Month Loan Agreement?

Because LoanPig doesn’t directly provide you with the loan, the terms and conditions of your 3 month loans lie with your lender.

We will do our best to make all of the information about your 3 month short term loan as clear as possible, but if you have any question about your loan you should contact your lender directly.

If you call LoanPig with a question we will be happy to put you in touch with your lender and help you find the answers you are looking for.


What Makes LoanPig Different?

Because we are a loan broker and not a direct lender, you’ll find our services to be incredibly flexible and we can use our panel of lenders to find 3 month loans that suit you.

We can give you a great range of options, and offer short term loans that can be repaid in up to 6 months! You get to choose how much you borrow and we will look for a lender with the best possible rates that will accept your application.

Our loans are quick, safe and simple, making us one of the best options to find your ideal 3 month loan. Apply online today and get the funds you need fast!