Find out everything you need to know about 3 month flexi loans from Wizzcash here. Apply for a 3 month flexi loan in a matter of minutes.

At Wizzcash, we provide our customers with 3 month, flexible loans. This type of loan allows our customers to make 3 equal monthly repayments over 3 months. This provides our customers with a more manageable repayment process to ensure they can safely pay their loan back on time, in manageable amounts.

Successful applicants will receive the request loan in one lump sum within the hour.

First time customers can borrow up to £1000 with our 3 month payday loans. Successful applicants will receive the request loan in one lump sum within the hour.

“It was stress free and the monthly instalments made it easier to repay the loan.” Ali, Oxford

We are a Direct Lender

  • No Fees for Applying
  • Quick Approval
  • No Early Repayment Fee

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

What Is A 3 Month Flexi Loan?

While traditionally payday loans are required to be paid back within a short amount of time, usually by the next payday hence their name, more and more companies including Wizzcash are beginning to offer 3 month loans, also known as instalment loans which. These are repaid with a smaller payment each month, rather than repaid as a lump sum. In the case of a 3 month loan, the borrower will pay these loans back in 3 equal repayments over 3 months. Some lenders offer instalment loans through which lenders can borrow for around 12 months.

How Are 3 Month Payday Loans Different To Payday Loans?

The biggest difference between a 3 month loan and standard payday loans is the length of time it takes for the loan to be paid back. With an instalment loan such as our 3 month payday loans, borrowers are able to pay the loan back in instalments of 3 equal repayments over a specific time period depicted upon approval of the application. A payday loan however, is required to be paid back usually within a month, and are meant to be used solely as a short-term financial solution. Instalment loans on the other hand can be paid back over a longer period of time, but the longer it takes the borrower to pay back, the more interest is accumulated.

Is A Wizzcash 3 Month Payday Loan Right For You?

Different loans have different purposes and because of this, it can be difficult deciphering which loan is right for you. However, with the help of our jargon buster and our experienced and professional team, the process is made even easier. Whether you’re looking for a payday loan, short-term loan or a 3 month payday loan, you can find out the differences here.

What Are The Benefits Of A 3 Month Loan

3 month payday loans reduce the pressure of having to pay back the money, and are a far more flexible option. This means that the customer is far more likely to be able to make the repayments, as they repaid in more manageable amounts. However, the disadvantages of instalment loans and 3 month payday loans is that there is more interest to pay the longer the loan takes to be repaid.

Are 3 Month Payday Loans Unsecured?

All payday loans are small and unsecured, meaning your loan is not tied to any of your assets. This means that if you fail to make repayments, your assets will not be used as a form of repayment in return. With Wizzcash, our 3 month payday loans are also unsecured loans.

What Is The Difference Between A Direct Lender & A Broker?

A direct lender is a company who will process your application and provide you with the money on approval without an intermediary. A broker on the other hand will take your application and sell it to a lender and with this they will normally charge a fee. Wizzcash are a direct lender, here to help you get real money online, when you need it.

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


Why Choose Wizzcash For 3 Month Loans?

Not only are we a direct lender that offers one of the lowest APR percentages in the industry, but we’re committed to helping you get back on your feet. That’s why we don’t charge fees for applying, there’s no early repayment fee, and we offer repayment plans for those who need help repaying on time.

Example Of A 3 Month Payday Loan From Wizzcash

If you are a first time customer and choose to borrow £300 over 3 months the total amount repayable will be £454.26. The interest will be £154.26 on top of the initial £300 borrowed. Repayments will take the form of 3 equal monthly instalments of £151.42 over 3 months.

How Do You Apply For A Wizzcash 3 Month Payday Loan?

All loan applications are done online via our application form which should only take a few minutes to complete. will then run industry required affordability tests to ensure we’re lending responsibly. Simply click the ‘apply now’ button to begin the application.

We’ve created this video guide to explain how to apply for a 3 month loan with Wizzcash.
*’Subject to affordability and credit checks’ – this refers to the ‘quick approval’*

How Do 3 Month Payday Loan Repayments Work?

3 month payday loans are a flexible form of payday loans, complete with flexible repayment plans and provides you with immediate cash with a minimum amount of paperwork. The online application process for 3 month loans with Wizzcash is online, and if you’re in need of additional cash to help you with a financial emergency, then a 3 month loan may be right for you, particularly if you have exhausted all other borrowing alternatives.

Once you fill out the online application form, Wizzcash will run a number of affordability checks. If you are a successful applicant, then you will receive the money in one lump sum, within an hour of approval. Then, you will be required to pay back the loan in 3 equal repayments over 3 months.

What Happens If You Need More Time To Pay Off Your 3 Month Loan?

Late repayments can have serious consequences on your credit history, but if you know in advance that you will struggle making repayments for one of our 3 month loans, then it is important that you let us know. We understand that sometimes a financial emergency can be bigger than you expected, and so we will provide you with repayment plans to help make the repayments easier for you. As a responsible lender, we will only approve applications after a range of affordability checks, meaning we will only lend to those who we believe can afford to pay it back.

How Long Does It Take To Apply For A 3 Month Loan?

Filling out our online application form should only take a few minutes, and if you are successful your money will be with you within an hour of approval. We want you to apply for a loan with us if you’re certain that it is the right loan for you. Our team is available to discuss your requirements as soon as you need them.

Do 3 Month Loans Take Bad Credit Into Account?

The good news is that you CAN get 3 month loans with bad credit with Wizzcash, as we will take into account affordability rather than just your credit score. Your credit rating can have a major impact on your ability to get a loan from a bank or other financial institution, and for some, a 3 month loan from a payday lender may be the only option.

However, to ensure responsible and fair lending, the FCA have placed regulations meaning you should undergo a credit assessment when you borrow money from an authorised lender – but this will not necessarily affect your chances of approval. If you are offered a 3 month loan from a source that requires no credit check, then you should be careful.

What Affordability Checks Do We Carry Out?

There are a number of minimum requirements that you must meet in order to be accepted for a payday loan. We offer instalment loans over 3 months, but as part of our responsible lending practices you must meet the following criteria in order for your application to be approved:

• You must be a minimum of 18 years of age
• You must be a UK resident
• You must be in current employment, and take home a minimum of £750 a month

In addition to this, we carry out a variety of affordability checks in order to protect our customers and only lend responsibly to those who truly can afford it. Our affordability checks ensure that we never:
• Grant a loan to someone who is unemployed
• Loan to someone with too many expenses who would not be able to pay it back
• Lend too much to a customer when they are better off borrowing less

How Do You Know If You’re Getting The Best Deal For 3 Month Loans?

With so many different companies on the market providing a similar service, it can be difficult to know which lender to choose when you’re looking for 3 month payday loans. There are a lot of different details that you will need to consider when comparing loan offers, including interest rate, extra loan charges, and late repayment fees. Knowing how to calculate the real cost of your payday loan is important, and here at Wizzcash, we can provide you with everything that you need right here. Our online loan calculator is transparent and will break down the cost of your loan so you know exactly what you need to pay back and when.

How Can You Stay Safe When Applying For 3 Month Payday Loans Online?

Here at Wizzcash, we have security experts that work around the clock to prevent any scam attempts through our website. Your security is our number one priority. If you are asked to pay for anything in order to get your 3 month loan, then it could be a scam. If you are unsure about your internet safety when applying for 3 month payday loans with us, then give our friendly and helpful team a call. They are there to talk you through the entire process of applying for a 3 month payday loan.

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