Short term borrowing can be used for various expenses. Most often, it is used to cover an unexpected emergency such as a car repair, a small home improvement, or any other unexpected bills.
If you’re concerned about your credit history, there’s no need to panic and accept the first offer you get. It’s important to look around and compare loans. A credit card with 118 118 Money might be the ideal solution, even if you think you have bad credit, but make sure you do your research.