Instant Short Term Loans That Make Sense

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Hundreds of applications per day

Gemini® applicants have an average approval rate of 93%

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The majority of loans are paid out within 10 minutes.

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Short Term Loans

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Warning: Late repayment can cause serious money problems.
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Representative 91% APR

Representative example: Amount of credit: £500 for 6 months at £106.79 per month. Total amount repayable of £640.77 Interest: £140.77 Interest rate: 91% pa (fixed). Representative 91% APR. Rates between Minimum 9.3% APR and maximum 1721% APR.

Gemini® offer loans between £100 and £3500, over a Minimum term of 3 months and up to a Maximum term of 24 months

Please note that Gemini® are not a lender, we offer a credit matching service.

Instant Short Term Loans From Gemini®



Instant short term loans are designed to provide quick access to funds for urgent financial needs. Whether it’s an unexpected expense, emergency repairs, or temporary cash flow issues, these loans offer a fast and convenient solution. Typically, they range from £100 to £3,500 and are repaid within a few weeks or months, depending on the lender’s terms.

Unlike traditional loans that require lengthy approval processes, instant short term loans focus on speed and accessibility. Many lenders offer quick online applications with near-instant decisions, allowing borrowers to receive funds within minutes of approval. However, as these loans are short term, they may carry higher interest rates than standard personal loans, making it important to borrow responsibly.

For those seeking a secure and efficient instant short term loan, Gemini® offers a reliable solution. As a broker, not a lender, Gemini® connects applicants with a network of FCA-regulated lenders, ensuring a safe and transparent borrowing experience. The application process is entirely online, taking just minutes to complete, with funds often transferred in as little as 10 minutes upon approval.

By choosing Gemini®, borrowers can access multiple lenders at once, increasing their chances of approval while ensuring they receive the most competitive loan terms available.

How it Works

We understand that you will likely need access to funds quickly and therefore we have designed our website/service to be as quick and efficient as possible.
Please see a brief ouline of the process below:

Step 1

Apply Online

Complete our short, confidential and secure application form.

step 2

Instant Online Decision

Upon completing our application form you will receive an instant online decision.

step 3

Receive Your Funds

Upon acceptance of your application, your funds will be sent to your bank account within 10 minutes.

Frequently Asked Questions?

Please see below for our most frequently asked questions. If you require any further information, please feel free to get in touch with us.

An instant short term loan is a fast, short term borrowing solution that provides quick access to cash, usually within minutes of approval. These loans are typically used for urgent financial needs.

Gemini® is a broker that connects borrowers with trusted FCA-regulated lenders, ensuring they receive fast, secure, and competitive loan offers.

Loan amounts range from £100 to £3,500, depending on the lender’s criteria and the borrower’s financial situation.

Once approved the funds can be transferred within 10 minutes, making these loans ideal for emergencies.

Gemini® work alongside many lenders that consider applications from those with poor credit, focusing more on affordability and repayment capability.

When loans are obtained through Gemini®, which only work with FCA authorised lenders, ensuring fair and responsible lending practices.

Repayment terms vary but typically range from 1 month to 24 months, depending on the lender’s policies and agreement.

A soft credit check is usually performed during the application process, which does not impact your credit score. However, missed payments can negatively affect your credit history, so please make sure you can afford the repayments.

Yes, most lenders allow early repayment, often reducing the overall interest cost and making repayment more manageable.

Gemini® is a broker, meaning it does not lend money directly but instead connects applicants with the most suitable lender, ensuring access to the best loan options available.