How to get out of short term loans legally uk?

The best way to ensure that you get out of your short term loan is to repay the whole loan, plus interest, on time. If your situation has changed to the point that you simply don't have spare money to repay the loan, then a debt relief order may be a possibility. DROs can only be put in place through an authorised debt advisor. This source is a great place to start looking for a debt advisor who may be able to help you with your DRO.

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Representative Example: Borrow £400 for 4 months: 3 monthly repayments of £156.09 followed by a final repayment of £156.07. Total repayment £624.34. Interest rate p.a. (fixed) 288.35%. Representative APR 1,267.9%. 

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Warning: Late repayments can cause you serious money problems. For help, go to www.moneyhelper.org.uk.