Borrow Money Online.

Instant Decision 3 to 60 Month Loans

£100 – £5,000 paid out by 21:52 Today

100% No obligation Loan Quotes

We don’t charge you any fees

Money deposited in 15 minutes 

We don’t perform a credit check*

How much money can I borrow?

This all depends on how much you would like to borrow, over what period of time you would like to borrow the money, what your credit rating is and other details regarding your financial situation.

We work with a panel of direct lenders who offer a wide range of different loans from short payday loans which are normally repaid over one to three months for small sums of money to cover an urgent financial emergency all the way up to £5000 loans over a longer term of up to 60 months. These larger loans would require more information from yourselves due to the larger loan amount involved. The limits to how much you can borrow is tied to how much you can comfortably afford to repay.

Short term loans help people to quickly borrow money online to help during unexpected situations when waiting for the next payday is not an option.

Applying is Free and No-Obligation

How quickly can I borrow money?

As competition in the short term loans market has increased over the past few years. We have seen many changes such as the wide range of short term loan products, from being able to apply for an instant loan via your mobile phone to the speed at which you can have the money in your bank account from the point of accepting the loan. Direct lenders have greatly improved their processes so you could get the money in your account the same day and sometimes within the hour.

Because short-term loans have higher interest rates than some other types of loans we help you apply for the best deal. Cashute work with our partners’ panel of lenders to help identify the best loan deals offered by direct lenders with the information you provide during the loan application process.

Annual interest rate of 292% (Fixed)

For example:

£200 borrowed for 35 days

Annual interest rate of 292% (Fixed)

Total amount payable is £256

1212% APR Representative



No paperwork

Flexible repayment

Instant decision

No Credit Foot Print

Fast Deposits

Will I need a credit check when borrowing money?

Whenever you take out credit it is a requirement of The Financial Conduct Authority which requires all lenders to perform a credit search on every credit application, there is no way around this, so be aware of any lender who claims not to perform credit checks as this is simply not possible. Credit checks are the most reliable method for a lender to determine what level of risk you pose.

Don’t worry if you do have a bad credit rating, our lenders understand that no one is perfect and as such have created a series of loan products designed to accommodate people with good and bad credit. Not having the best of credit scores should not put you off applying.

When you apply for a short-term loan through Cashute our partner will perform a soft search to find the lender who is the most likely to fund your loan. This soft search will not affect your credit rating which is good if you have bad credit nor will it appear on your credit report. All applications are no-obligation and if you decide the loan offered is not for you then you can decline the offer and walk away.

Are Short-term loans expensive?

Short-term loans as their name states are loans which are taken out to cover an emergency expense which can’t wait until next payday. Provided the loan is repaid in time and you have budgeted for the repayments then a short-term loan could be more affordable than allowing the financial emergency to go unchecked until payday.

The Financial Conduct Authority has placed limits on how much a lender can charge per day on your loan which is currently set to 0.8% per day. So as more direct lenders come into the market offering these types of loans there will be a decrease in the APR offered by lenders.

Use our simple application form and apply today for a no obligation quote and see for yourselves.

What do I need to apply?

Applying for a loan is straightforward and is all online.

Before you start your application have this ready:

Details of your regular monthly income and outgoings

Mobile phone number

Valid email address

Home address for the last three years

Your Bank account

Your Debit card information

Woman Applying for short term loan

Fast, Free & Easy No-Obligation Application Process


Choose Loan Amount & Term

Simply chose how much you wish to borrow and over how many months you wish to repay the loan


Fill in the Application form

Fill in our simple application form which takes only a few minutes and then apply for your loan


Receive Your Cash

We send your application to our panel of lenders, once approved you will receive the funds directly to your bank account

Can I get a guaranteed loan with bad credit?

As much as we would like to say that there is a 100% likelihood that you will be accepted for a short-term loan but there is no such thing as a guaranteed loan.

Since all loan applications must go through a credit check there might be something in your credit history which may cause the direct lenders to decline the bad credit loan application. We do not know for sure until the application is sent to the direct lenders. If you have a really bad credit score being declined may impact on your credit rating even further which will make it more difficult to get a loan in the future.

When you apply through Cashute your application is put through a soft credit search which will not impact your credit rating. We will show your application to the panel of lenders and based on the information which you have provided during they will be able to make a decision on whether to proceed and offer you a short term loan even if you have bad credit.

All the direct lenders on the panel are authorised and regulated by The Financial Conduct Authority where they have to follow strict procedures at all times. Our partner has attracted to their panel many of the biggest direct lenders in the UK which means more likely to find a lender willing to approve your short term loan.

Car Repair

Unexpected Bills

Broken Boiler



Living Expenses

Home Improvements

How do I apply for the best payday loan?

To apply a loan is simple. Provided you meet the criteria listed below you can start your application process:

  • 18 years old
  • UK resident
  • Hold a UK bank account
  • Employed with a regular salary (so you can repay the money that you borrow).
  • Bank details to hand

Once completed submit the application form by clicking on the “Apply” button and we’ll find the best match for you. The search will not take long and you’ll have a response in minutes.

When you receive the loan proposal can decide if you wish to proceed with the offer. If you do want to proceed with the loan just apply and the funds will be deposited into your bank account within hours, always remember that you can apply with no obligation even if you have bad credit as many direct lenders support payday loans bad credit.

I am finding handing my debts difficult, what should I do?

If you find yourself in difficulties and are unable to make your repayments, we strongly advise that you contact your creditor immediately, we also recommend that you speak to the companies listed below.

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