Find short term and instalment loans from £100 to £2000

Unexpected expenses can occur at any time. Big bills, MOT’s and broken household appliances can leave us short at any point in the month. Sandy Instalment loans can help bridge that gap. As a licenced credit broker Sandy Instalment works with multiple short term lenders and instalment loan lenders who may be able to help.

What’s the difference between a payday loan and an Instalment Loan?

When borrowing from a payday lender your loan must normally be repaid in between 7 and 45 days. On your due date you can expect to repay the loan in full. An instalment loan allows you to repay the loan over a period of 3 to 24 months, making the monthly instalment a lot more manageable as you can make a number of smaller payments rather than one large payment.

How can Sandy Instalment Loans Help?

Sandy Instalment loans works with a wide range of lenders who can lend from £100 up to £2000 for a period ranging from one month up to 2 years. All you need to do is select your loan amount and how long you want the loan for. Simply fill out the application form and if one of the lenders on our panel accepts your application, you will then be forwarded to their website where you can complete your application with the lender. If they approve your loan application then you could receive the money the same day.

Multiple credit types considered

Taking out a loan is a big decision to make, especially if you already have existing debts or a low income. So it’s really important that you choose a loan wisely. However, choosing a loan can also be a minefield if you suffer from a poor credit record.

Before applying for a short term or payday loan, you need to ask yourself whether borrowing money is the right thing for you. If you can cut down on your spending or put off buying something until you’ve saved for it, do that. If you are borrowing money to make repayments on other loans and debts, you may be in a vicious circle and it might not be the best thing to do.

If you think that you need help with your debts, contact Step Change Debt Charity for free impartial advice at

Implications of Non-Payment

When taking out an instalment loan you will be required to sign a legally binding loan agreement. You are confirming that you will make all the agreed repayments on the agreed repayment dates. Within the loan agreement the lender will detail the late payment costs. All the lenders that we work with are regulated by the Financial Conduct Authority and must follow their rules.

If you miss a payment, or if a payment is late you can expect to pay a late fee and possibly other potential charges. A late payment may also result in further interest being due on the amount already owed.

The actual consequences will vary and depend on the specific lender. The lender may initiate collection procedures and your credit score may be adversely affected if your payment obligations are not met. Your debt may be placed with a collections agency who may take any collections actions allowed by law.

Repayment & Fees

Sandy Instalment Loans is a loan broker not a direct lender. We never charge you for the service we provide or take money from your account.

Many of the loan providers on our loans panel will utilise the Continuous Payment Authority which means they will continue to attempt payment from your card consistent with the powers in the credit agreement. They should provide you with detailed information regarding this.

Some of the loan providers on our panel do charge an up-front fee for the service they provide, so make sure you read the information carefully before you proceed. You will have the opportunity of declining any loan offer provided.

Renewal Policy

Sandy Instalment Loans is a loan broker and as such the renewal policy will be dependent on the lender who provides the loan. If you wish to renew your loan, you should contact your lender in advance.

Most lenders will charge the same rate of interest and fees for another month on the entire amount owed.

Please see the details above regarding the implications of missed payments, which could affect your credit score.

All of the above varies between lenders. Please ensure you read and understand the full terms and conditions of the loan provider before agreeing to the loan offered.