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Short-term loans

If you are a student with a temporary cash flow problem you may be able to apply for a small short-term loan.

Who can apply

The Short-Term Loan Scheme is designed to assist students who find themselves with a temporary cash flow problem caused by circumstances beyond their control.


Any registered student may apply for a short-term loan. The maximum amounts available are:

  • £300 for a student without dependents
  • £500 for a student with dependents

Please note loans are not normally given in the last two months of your course of study and are offered on a discretionary basis. Students on online postgraduate taught courses are ineligible to apply for a short-term loan.

If you have a longer-term cash flow problem, you should consider making a full application to the University of Bath Financial Support Fund which may be able to provide discretionary assistance if you are struggling to cover your living costs.

If you are a Home UK undergraduate Pharmacy student who receives statutory student funding support i.e. a maintenance loan, and are unable to pay upfront for your Travel and Dual Accommodation Expenses (TDAE) you can apply for a Short-term Pharmacy Clinical Placement Loan of up to £1,000. The repayment date will usually be set for 60 days from applying for the Short-Term Loan, this should allow enough time for you to submit your TDAE claim and receive a response from the NHS Learning Support Fund.

The University reserves the right to withhold some or all of a Short Term Loan payment where there are where there are significant concerns about conduct, welfare, or risk that the funding may be used for activity that is illegal or has the potential to cause harm to yourself or others. Examples of this could be gambling, substance misuse or financial coercion by a third party. The funding may be withheld entirely or be provided through alternative forms of funding, this may include direct payments to third parties such as accommodation providers, vouchers, or the allocation of campus or food credit.

How to apply

You need to complete the short-term loan application form.


We aim to inform applicants of the outcome within three working days of receipt of a complete application. Please note loans will not normally be offered to students who have defaulted on a previous short-term loan.

We aim to make payments to your account within three working days. However, you must make sure you give as much notice as possible as we have certain procedures we must adhere to.

Repaying the loan

Short-term loans are interest free and a repayment date will be agreed with the Student Money Advice Team when taking out the loan.


The repayment date will usually be within two months, or when your next student payment is due (whichever is sooner).

If you feel that you require a higher amount or longer loan period, please speak to the Student Money Advice Team who may be able to approve this in exceptional cases.

Contact us

You can contact Student Money Advice in person, by phone or by email.