We’re here to support you when the unexpected happens. So, whether your car breaks down or a bill lands in your lap which you hadn’t budgeted for, a buffa short term loan could help to see you through those everyday situations that life sometimes throws our way.

  • Representative 1,101% APR
  • Direct Lender
  • Instant application decision with no impact to your credit score**
  • Cash in your account within 5 Minutes***
  • No late payment fees & no hidden charges

Short Term Loans From £100 - £1,000

When unexpected bills or extra costs come your way, a short term loan is the ideal solution to help you manage your finances with ease.

At buffa, we believe that a short term loan is exactly that, short term. We know that you don’t want repayments hanging over your head for years to come, so our short term loans can be paid back in as little as a week. That’s the beauty of a short term loan; it can be your safety net when you need it, and the flexibility of early or scheduled repayments mean you’re in full control of how you manage your loan.

A short term loan is ideal for anyone who finds themselves needing a bit of extra cash before their next payday. Because we look at each application on a case by case basis, you might find we can help you, even if you have a poor or impaired credit rating, have limited access to other forms of credit or you’re just keen to get a bill paid to avoid paying fees, penalties or overdraft charges

At buffa, we keep the short term loan process completely transparent, so you’ll always know exactly how much you have to pay back, and when you have to pay it. We’re a black and white brand for a reason – we believe in keeping things clear, simple and transparent for all of our customers.

The Short Term Loan Process


Complete Our Simple Application

Firstly, you’ll need to tell us how much you want to borrow and how long you’ll need to pay it back. We’ll then need some information from you, including contact details, income and expenses and your bank account details.

Get an Immediate Decision*

Find out instantly whether your loan application has been accepted or not, or if we need to conduct further checks in order to give you a final decision. If we’re able to offer you a loan at that stage, we’ll also make it completely clear what you’ll have to pay back and when.



Decide What You Want to do Next

If we’ve advised you that we can offer you a loan based upon your application, or that we need to complete some more checks before we can give you that final decision, it’s then up to you how you wish to proceed. If you’re happy to accept our loan offer or wish to allow us to complete some final checks against your application, it’s as simple as a click of a button.

Cash Paid

Once you’ve chosen to proceed with our loan offer or have allowed us to complete our final application checks, you can be sure that your loan will be paid into your bank account as soon as you have been fully accepted. No waiting around, no hoops to jump through, just cash in your bank inside 5-minutes***.




You can rest assured that we’ll be completely transparent with you in terms of repayments, so you’ll know exactly how much you have to repay and when you have to pay it by before you agree to take out the loan.

Short Term Loan FAQs

Got a question about our short term loans? Take a look at our FAQ section below. If you can’t find the answer to your question, please get in touch with one of our friendly UK based team today.

A short term loan is something people get when they need a relatively small amount of money in a hurry. The loan amount can be anywhere from £100 to £750 and unlike other, long term loans such as mortgages or car finance, a small short term loan is paid back in a short space of time. This can be anywhere from one week to six months, depending on what the borrower who has taken out the loan can afford, and how long they prefer to take to allow themselves time to make a full repayment of the loan.

To get a short term loan, you will need particular information, including the amount of money you want to borrow, how long it will take you to pay back the loan, your personal contact details, income and expenses as well as your bank details. You can apply for your short term loan online and once approved, we transfer the money into your bank account (usually within as little as 5-minutes).

A short term loan from buffa can last anywhere from between three and six months. The length of the loan depends entirely on how much the borrower can afford to pay back. They can choose to pay the loan back in monthly instalments, with the added flexibility of making early repayments or overpayments on scheduled pay-dates if their financial situation allows them to.

Yes, applying for and ultimately taking out a short term loan which is then repaid on time can have a positive impact on your overall credit rating. By making regular and on-time payments against your short term loan with us you will be making positive steps towards improving an impaired or limited credit profile.

Remember that at buffa, upon receipt of your fully completed application, we will provide you with an indicative decision, which will leave no initial record viewable by other lenders on your credit file. Please note, should you choose to proceed with a loan offer from us, a record of this loan and your subsequent repayments will be recorded on your credit file.

You can use our loan calculator tool to work out your short term loan repayments. Simply choose the amount you want to borrow and how long you would need to pay it back. Your repayments will include a Representative 1,116% APR – In plain English, that means that if you borrow £230 from us over four months, your total to repay, including interest charges, will be £372.32.

Why Choose buffa?

Loan Decision Instantly*

We won’t leave you waiting to find out whether you qualify for a loan from us. Get an instant indicative decision to advise whether we accept, reject or need to conduct further checks relating to your application.

Money Paid in Minutes***

Need your loan in a hurry? Once approved, money will be in your account within a matter of minutes. No delays, just quick and simple access to your money.

Transparency with No Hidden Fees

We pride ourselves on being upfront and honest about our loans, so you’ll know exactly what you’re expected to pay back and by when before you agree to take the loan. When we say no fees, we mean it. No late or early repayment fees, no loan arrangement fees and no hidden charges. Ever.

Flexible Repayment Options

Because our loans are fully flexible and designed to suit your individual circumstances, you can repay at any time – without fear of any penalties. So, if you want to make early repayments or overpayments against your loan with us, that’s just fine. Or if you prefer the certainty of knowing how much you need to repay each time, on a fixed repayment date each month, that’s just fine too. It’s your loan so you can repay your way.

Bad or Impaired Credit Considered

We strongly believe that nobody should be held back from leading their life by a bad or impaired credit history. We will consider all loan applications on their own merits and will always do our best to provide you with a loan, regardless of your credit history.

No Credit Footprint**

Complete your buffa loan application safe in the knowledge that it will not impact your credit profile. We’ll give you an initial decision with absolutely no obligation on your part, and absolutely no record being left on your credit history.

Need Help?

Need some help completing your buffa loan application? Speak to our friendly UK based team today

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