Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservices.org.uk

How It Works

See below to see how our Short Term Loan works.


IN-SYNC's ethical Short Term Loan facility is for the occasions when cash may be required for an unexpected expense or for money management requirements.

You can choose how much money you would like to borrow and for how long just by completing our online application form.

  • Select the number of instalments, either 2 - 12 weeks or monthly up to 12 months
  • Click 'Apply Now'
  • Fill in the application form
  • All our Short Term Loans are subject to a credit check


To apply for a Short Term Loan, you need to meet the following eligibility criteria:

  • You must be over 18 years old and a UK resident
  • Have a regular source of income
  • Have a valid UK bank account with a valid debit card
  • Meet our credit criteria and affordability assessment
  • No CCJs


Your loan could be accepted, declined or referred. You will receive notification which should take no more than 10 minutes.

All customers go through our straight forward credit check and affordability process before the loan is approved.


  • You will receive a text confirmation from us as soon as your loan has been funded.
  • We make regular payments 24 hours a day, your funds should therefore be in your account shortly after your loan has been agreed.

Apply for a Short Term Loan in 3 simple steps:

start short term loan application

Choose the amount you want to borrow and fill in the online application form

short term loan approval

Get the Approval

We will approve your application once the credit check has been completed

payment in the bank

Payment sent to your bank

If approved, you do not have to do anything else. You will receive the cash within hours. It really is that simple