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Nobody plans to run out of money, but occasionally taking out a loan before your next payday can help you get by until you can rebuild your finances. Applying for a short term loans UK allows you to request the amount of money you require and choose how long you want to pay it back over, up to six months. When you pay back your loan over a longer period of time, it can help you manage your finances better. Repaying your monthly installment will likely have less of an impact on your take-home pay each month or each week than a one-time loan. A short term loan functions similarly to a payday loan.