Cash Loans

Instant Decision 3 to 60 Month Loans

£100 – £5,000 paid out by 22:31 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*

What is a Cash Loan?

Cash loans are ideal when you to address a sudden financial emergency in your life. The traditional methods of getting the money you need such as a personal loan from the bank might take more time than you have. Alternatively, you could pay with a credit card if they still have an available balance for you to use. Another potential source of funds could be asking your friends or family for a small loan. If none of these options are viable then you could consider taking out a short-term cash loan.

Unexpected household bills such as having to pay for repairing appliances or paying a garage bill can put a real dent into an already stretched household budget. Small cash loans might be the answer to getting those bills paid fast rather than having to delay them until your next payday. Many people use cash loans to spend on the following:

Home Repairs: The washing machine has decided to pack up or there is a leak in the plumbing that needs sorting. If your savings cannot stretch to pay for a new washing machine or to hire a plumber, then consider taking out a small cash loan to sort out the problem.

Garage Bill: Cars have a nasty habit of knowing exactly when your finances are at their lowest ebb before they develop a fault that requires the attention of the local mechanic. A new set of tyres can set you back £200 if not more and any serious mechanical fault can put a real dent into your savings. Again, a small quick loan could save the day and get you back on the road.

Bills: They never seem to stop coming through the letterbox. Sometimes it seems like they arrive one after the other all demanding immediate payment for utilities, council tax, memberships sometimes a parking ticket or two. If these bills cannot wait until next payday to be paid maybe a cash loan might be in order.

Cash loans are normally for relatively small sums of money from between £100 and £500 loans for short periods of between 1 and 6 months on average. Sometimes smaller cash loans of £100 or £200 are repaid within 30 days of having been taken out.

Free, no-obligation Fast response loan quotes

What are the best Cash Loans?

There are so many direct lenders out there to chose from that it can be confusing as to which one is right for you that will give you the best interest rates and repayment terms. One way to find the best direct lenders is to apply to each one of them in turn. If they offer you a cash loan then you can take your time to compare the interest rates, repayment terms and other charges to find the best fit for your circumstances. Alternatively, you could fill in one application form via Cashute and let us connect your application to a range of UK Direct lenders in one go. This will save you time and effort meaning you could have your cash loan approved in minutes and cash in your bank account within an hour of accepting a loan offer.

Which Cash Loan is suitable for me?

Everyone who applies for a cash loan has their own personal circumstances which are unique to themselves. Some people only want to borrow relatively small amounts of money of between £100 to £500 loans whereas other may be seeking much larger loans of in excess of a couple of thousand pounds. Before you take out a cash loan take the time to consider alternative forms of credit such as a personal loan which would come with a lower rate of interest. Barring that maybe you could ask your family or friends for a small cash loan to see you through until the end of the month. If none of these options are available to you then consider a cash loan.

Why do you ask for my bank details?

Direct lenders are obliged under law to prevent money laundering and fraudulent claims. By collecting bank details from a potential borrower, they can verify the authenticity of the borrower. Having your bank details will also speed up the deposit speed of the cash loan into your bank account. If you are concerned about security of your details, you can rest assured that Cashute does not have visibility of your bank details at any stage of your 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



Applying for short term loan on mobile

No paperwork

Flexible repayment

Instant decision

No Credit Foot Print

Fast Deposits

Can I apply online for Cash Loan?

Yes, the whole cash loan application process is performed on-line via your mobile, P.C or tablet. The application process does not require any paperwork to be filled in or sent over and you will have your decision in minutes of applying for a loan. Although you will not be asked for any paperwork during the application process on Cashutes website it is possible that a direct lender may request paperwork from you to confirm resident status, proof of income or other documents.

Is applying for a Cash Loan via your site safe?

Our website uses the latest in data encryption technologies which you would find on larger retailer sites and direct lenders. We take security seriously and can ensure you that all data passed between your browser and our systems is all encrypted. Not only that but Cashute does not store any sensitive personal data on any of our local machines. Cashute is registered with the FCA and the Information Commissioner’s Office.

What is the best Cash Loan interest?

The interest rate that you will be charged will be in part based on your credit score. The better it is the lower the interest rate will be. This is due to direct lenders considering those with higher credit scores to be less risk than those with a lower credit score. If you want to improve your chances of getting the best interest rate for your cash loan, there are things which you can do to improve your credit score starting today.

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

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

Do I need a credit check to apply for a Cash Loan?

There are some lenders who advertise loans with no credit checks, it is important to understand that all direct lenders must carry out credit checks on all cash loan applications. It is impossible for a direct lender to grant a cash loan without performing a credit check.

There are two types of credit checks which are performed when you apply for a cash loan:

Soft Credit Check: This type of credit check is carried out by the direct lender so that they can get an idea about your financial situation and decide on principle whether make you a cash loan offer. Soft credit checks do not leave any visible signs that a check has been performed. Soft credit checks do not reveal as much detail as a hard credit check.

Hard Credit Check: This type of credit check will occur only when you accept the loan offer from the direct lender. It is only a hard credit check which will leave a footprint on your credit history that a credit check has been performed. Hard credit checks are performed to look at the finer details of your financial history. Be aware that too many hard credit checks in a short space of time could negatively impact your credit score.

Will a credit check lower my credit score?

If you apply for many loans in a short space of time or any other product which requires a credit check such as mobile phone contracts etc then yes, too many hard credit checks could negatively impact your credit score. Too many hard credit checks might be seen by lenders that you are too reliant on finance to get by.

Can I apply for a Cash Loan with very bad credit?

Anyone can apply for a cash loan regardless of their current credit rating. We provide our service free at point of use and hold you under no obligation to accept any loan offer. When you submit your cash loan application Cashute will connect it to a panel of direct lenders who will examine it to see if they are able to fulfill your request. These direct lenders receive 1,000’s of application each day and are specialised in handling cash loan applications from people with bad credit. They understand that not everyone in the UK has a perfect credit score and that things happen which are sometimes out our control which impact our credit scores.

Direct lenders understand this and as such they will look at more than just your credit score to determine if you will be offered a cash loan. They also look at your current financial circumstances, if you are employed, what your take home pay is, your monthly outgoings. Direct lenders want to ensure that you can afford the monthly repayments without putting yourself into financial difficulties.

How quickly will I receive my Cash Loan?

All lenders will endeavour to have your money paid into your bank account on the same day. Deposit speeds are dependent on multiple factors such as the time of day you submit the application, your banks deposit policies, the day of the week and of course the lender themselves. In most cases people have their money within an hour of accepting a loan offer provided that the direct lender does not require any further information although most lenders will try to have the money with you faster sometimes in as little as 15 mins †

Are Cash Loans expensive?

This depends on the interest rate that the direct lender offers you on your loan, how much you have requested to borrow and the repayment period. Each lender will have their own specific criteria regarding how they determine the interest rate they will put on the cash loan. They generally determine this based on the risk that a borrower presents. If the borrower has a low credit score, they are viewed as higher risk than say someone with a higher credit score who the direct lender sees as a lower risk.

In principle the higher the risk the higher the interest rate. Although in 2014 the Financial Conduct Authority set in place rules which all short-term lenders had to follow. These rules placed a limit of no more than 0.8% per day of interest could be charged and that no borrower would ever have to repay more than double the original loan amount for the life of the loan. For example, if you were to borrow £100 then you would according to the FCA rules never pay back more than £200.

How do I apply for a bad credit payday loan?

To apply for an instant loan is quite easy, gather your bank details together and provided you meet the basic criteria below you can start the 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

An instant payday loan is normally paid back after your next payday cheque arrives in your bank account – normally 30 days from the date that you borrowed the money.

When you have completed all the details on the application form click on the “Apply” button and wait a few minutes and you will get a response from one of our direct lenders once we have found a suitable match for you, they will send you a loan proposal which at that point you can decide if you wish to proceed with the instant payday loan offer, if you do accept then just apply and the money will be sent 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.

Our direct lenders are fully aware that their customers are applying for payday loans due to a financial emergency based on that they expect to receive their funds quickly therefore when you apply for a payday loan online our lenders will do their utmost to make that happen.

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