Short Term Payday Loans


Short term payday loans allow you to borrow a small amount of money until your next payday. Short term payday loans are useful if you have an unexpected bill or if the car has broken down and you need to get it fixed straight away.


How can Sandy Instalment Loans help me?

Sandy Instalment Loans is a short term payday loan broker and we operate a loan matching service. When you have completed your loan application, we will pass your details across to the lenders and brokers who may be able to help. If a lender accepts your application, we will pass you across to them to complete the process. If you are approved the lender will inform you when you can expect to have the funds in your account. It can be within an hour and in some cases may take longer.

If you would like to apply to find a short -term loan with Sand Instalment, just click apply. We don’t charge any fees for applying to find a loan with us.


How long does it take to apply for a short term payday loan?

Short term payday loans are simple to apply for. Most applications will take no longer than ten minutes.

When applying for a short term payday loan, the lender will request details about you, your employment details, your income and expenditure and your bank details. After submitting your loan application for a short term loan, the lender will complete credit and affordability checks.

Many lenders have automatic systems and in many cases, you will find out within minutes if you have been declined or approved. Some loan applications may go to an underwriting team and the lender may request additional information such as a payslip or a bank statement to help with their decision.

If your application is successful, the money is normally paid into your account within an hour although you should allow for up to a few hours to receive the money. Check out our how it works page for information.


Should I take out a short term payday loan?

Before applying for a loan, it is very important that you consider if you need to borrow the money and you should ensure that the loan is affordable for you.

Every short term lender will let you know how much you are due to pay back and when and so making sure you can meet the repayments is very important. Short term payday loans are meant for financial emergencies and you should never use the loan to pay other finance.

This may be a sign that you are in financial difficulty and have a reliance on short-term finance. If you think you need help with your debts, you can contact the Step Change Debt Charity service at


If you have any further questions about short term payday loans or the application process, take a look at our frequently asked questions page or feel free to get in touch.