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Welcome to Pacific Odyssey Loans

When considering short term loans we understand you must be able to make an informed decision based on real facts and figures. These loans are now available from lots of different lenders and therefore we think it is important you can see all the important information in one place. You will find from the below that’s exactly what we have done for you here. Short term loans can be a great resource when you find yourself in a position where a little extra money is needed to see you through the month. Whether this is because an unexpected bill has come up or the car needs a repair, we understand these things may signal a need to borrow a little extra cash. We also understand that short term loans need to be flexible and able to work with your existing monthly bills and expenses and not against them. With this in mind we have designed a product based on flexibility and affordability. Remember, you should never borrow extra money when it is not affordable to do so. In order to decide if we are right for you we invite you to review the key feature of what we do below, then you can make an informed decision.

FLEXIBLE LENDING RESOURCE – We understand when you apply for short term loans you need a product based on choice and that’s exactly what our experienced lending team have to offer here.

FEE FREE APPLYING PROCESS – That’s right, unlike a mass of other lenders offering short term loans, we do not charge you a fee for applying for one of our loans. This means you can complete an application with peace of mind that you won’t be charged. This is still the case whether your application is successful or not, meaning we have a fee free application process. This really sets us apart from other lenders on the market.


SIMPLE TO APPLY – Thanks to the knowledge and experience our team have gathered we know how important it is that the application process of short term loans is simple and effective. That’s why you will find that to complete the entire application will not take you any longer than about 10 – 15 minutes. Once you have submitted the application to our lending team they will get to work completing their checks and the great news is that unlike some lenders, we promise to keep you up to date at every step of the way.

Get The Best Short Term Loans UK Customers Deserve

The internet has helped to make the world a smaller place and you can feel the benefit of communicating with businesses and people from all around the world. This is definitely a positive aspect and something that has helped to make many people happier. However, it is important to remember that sometimes you are much better off looking hard to find the right option. This can be carried out online effectively, but you need to be sure you search for the right terms.

This is especially true when it comes to sorting out your finance and you should only really look to seek out support from financial experts and institutions offering a product that really fits with your needs. This is because different lenders offer very different products, so it is always best searching out a product that will satisfy your needs. This is why if you are looking for a short term loan and you are based in the United Kingdom you should consider one of the best short term loans company Pacific Odeyssey Loans.

When looking for a loan, don’t settle for poor service, remember you are the customer and they should treat you well

We believe that we offer one of the best short term loan options in the United Kingdom and you can choose us in the greatest confidence. We are highly experienced and you can rest assured that we meet every aspect of the UK regulations and rules when it comes to short term loans and instalment loans.

We believe in transparency which means that everything you could want to know or learn about us and what we offer is readily available. As our company are direct lenders as well as brokers, we believe that you will receive the best possible service by working with us and we are keen to ensure you feel confident about doing so.

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

We will keep your information and details safe

As highly experienced professionals, you can rest assured that we will keep your details safe from harm and ensure you get the best possible loan for your circumstances. We are fully committed to being a responsible lending firm, and this means you will get the best possible support service at all times. We do our research on you before finding your loan and this helps us and you to develop a better product offering. We are more than happy for you to carry out research on us and if you have any questions you would like to ask us, just get in touch.

We know that obtaining a payday, instalment loan or short term loan is not always the best solution for people. This is why we aim to provide as much information and details as we possibly can to ensure you make the right decision. The lender will provide you with exact details of what the cost of the loan will be, which will inform you exactly how much money you need to pay back and when. They will also confirm all of these details before we finalise any loan agreement. We don’t want you feeling as though you are uncertain about the loan terms we provide and we will give you every opportunity to be confident about the loan that you are taking out. We are fully committed to responsible lending and as a responsible direct lender and broker, we hope you appreciate that we have your interest at heart with the way we work.

We aim to offer flexibility wherever we can

Most of the lenders we send you to are more than happy to provide flexibility when it comes to the terms of the loan and when you pay the loan back. This means you can find the solution that suits you best. Some people are able to take out a loan and have it paid back within a 14 day or 30 day period. If this suits your circumstances and current financial situation, this is great news. However, if you need more time to be able to pay back your loan without harming your current financial situation, we are more than happy to help.

A good short termloans company should be open, transparent and honest. Add on fees should ring warning bells.

A lot of the problems that people face when taking out payday and instalment loans is that they are unable to pay back the loan and agreed fee in the agreed time scale. This is why we really recommend that you consider your ability to pay back a loan before accepting it and this is why we recommend that you pick a company that can provide a greater degree of flexibility when it comes to paying off your loan.

If you would be more comfortable and confident dealing with an instalment loan that is paid back over six months or three months, we are more than happy to help. You should be aware that paying back a short term loan over a longer period of time will increase the total amount that you need to pay back. This is due to the fact that the interest period is longer. However, paying back the loan over a lengthier time period will ensure that you pay off a smaller amount every single month. Many of our clients find that this provides them with a greater degree of confidence and financial flexibility, which is something that we are always happy to promote. If you want to know exactly how much your short term loan will cost you and how much you have to pay back and when, we are more than happy to help.

When it comes to the wide range of short term loan UK options, we believe that we offer the best support and assistance. We aim to put you first and in offering a broker service, we can cut down the time and interaction you have when making a loan application. We understand that time is of the essence when it comes to payday loans and this is why dealing with us directly is the most sensible option for you. We are keen to support you any way that we can and if you believe that a payday loan will provide you with the short term assistance you need, please get in touch.

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If you are at all confused about what type of loan you should be taking out, you should do your research before committing to a single loan product.

We find that most people jump in and take out a loan with not enought thought about how they are going to pay it back and how big the repayments are going to be. 

A 1 month loan may seem great right up to the point of paying back but the repayment may be pretty big if you have to pay it in one go. Whereas an instalment loan over, say, 3 month loan may be a better alternative as the repayments will be smaller.

By James Mackey

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