Cash Loans Bad Credit

Instant Decision 3 to 60 Month Loans

£100 – £5,000 paid out by 21:27 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 are Bad Credit Cash Loans

Bad credit cash loans are designed to help people who need access to emergency funds fast but have bad credit scores. If you are one of these people who needs a bad credit cash loan you can rest assured that you can apply for your cash loan via Cashute today.

Cashute will connect your bad credit cash loan to a panel of direct lenders who specialise in handling many 1,000’s of cash loan applications each day from people with bad credit.

These direct lenders have designed their products to help people with bad credit gain access to the fund they require in times of need such as some unexpected bill has turned up or a household appliance has failed and needs repairing or replacing immediately.

If you are worried that you might be turned away for a bad credit cash loan don’t be, our application process is fast and easy. It takes only a few moments to fill in the application form. We will connect your application to a panel of direct lenders who will determine if they are capable of lending you the funds you need.

Just like a payday loan or short-term loan a bad credit cash loan is a loan for a relatively small sum of money of between £100 to £500. These types of loans are generally repaid on your next payday or over the course of a few instalments unlike larger personal loans which can be repaid over the course of many years. Because these cash loans are repaid quickly, they are sometimes referred to as “cash advance loans” and are used to supplement a person’s finances until next payday.

Free, no-obligation Fast response loan quotes

What can I use a Bad Credit Cash Loan for?

Unlike a bank who will generally want to know exactly why you need the loan this is not the case with these bad credit cash loans. During the application process for your bad credit cash loan you will have the option to select why you need a loan, your reasons will not necessarily impact on the lenders decision whether to grant you a loan.

When you receive your bad credit cash loan you are free to use the money as you see fit. The cash is not held on account for a specific expense which you are obliged to use the money for. Although you can spend the money freely on anything you desire it is recommended that these types of loans which have a higher rate of interest than traditional forms of finance such as personal loan, mortgages, car loans and such like are used to address a financial emergency rather than a night on the town.

Do Bad Credit Cash Loans have a credit check?

At present the all direct lenders in the UK must perform a soft and hard credit check on all credit applications. You may find some sites advertising loans with no credit check. What they mean is that you can apply for a loan without having a hard credit check performed. Soft credit checks do not impact negatively on your credit history and can be carried out numerous times unlike hard credit checks which may impact negatively on your credit report. You can apply for as many times as you like on Cashute website for a loan it is not until you accept a loan offer will a lender actually perform a hard credit check.

Will My Bad Credit Prevent me from Getting Approved for a Cash Loan?

If you have been refused credit by traditional high street lenders due to your low credit score, then these bad credit cash loans might be the answer. Direct lenders which offer these types of loans have years of experience in handling 1,000’s of applications per day. These lenders understand completely that not everyone who will apply for a bad credit cash loan has the best credit score possible and they have tailored their services to accommodate as many applications as possible from as wide a range of people as they can. Although they may not always be able to assist if someone’s credit rating and credit history is really bad and has a history of defaulting and late payments.


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

What are Bad Credit Cash Loans?

A bad credit cash loan is a short-term loan which are for relatively small sums of money compared to personal loan, car loans and such like. These bad credit cash loans are generally taken out for short periods of time and are often repaid within 30 days of having taken out the loan. Sometimes these types of loans are repaid over a few months.

People who have poor credit rating use these types of loans to get access to funds that traditional high street options such as the banks have turned them away. When you have bad credit is can be difficult to get the financing you need when you need it. The direct lenders we pass your application onto are more likely to approve your loan application even if you do have bad credit for a small cash loan than the major high street banks.

How quickly will my Cash Loan be paid out?

It is normal for loans to be paid out within an hour of having accepted a loan offer from a direct lender. The pay-out speed is based on multiple factors such as how much money you applied to borrow, for instance if you wanted to borrow £5,000 then the lender may require additional documents to prove your ability to repay the loan.
Other factors which will also affect the deposit time are the time of day you made the loan application, which day of the week, for instance weekend deposit speeds might be longer than weekday at 11am in the morning.
The other two factors that could contribute to the loan deposit speeds is the deposit policy of your bank and the direct lender themselves. Worst case scenario is 24 hours to have the money deposited into your bank account. The best-case scenario is 15 minutes.

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

Will my credit history affect my loan?

This does depend on the lender. All lenders will examine your credit history to look at how you have handled your finances in the past and present. Lenders will get a pretty good picture about your ability to manage your finances. Although lenders do take your credit history into consideration, they will also look at your current circumstances. They will want to know if you are able to afford the repayments based on your current financial commitments without putting yourself into a difficult situation.

When you apply for a bad credit cash loan via Cashute we will connect your application to a panel of direct lenders. If one of the direct lenders decides to take on your application, they will initially perform a soft credit check. These soft credit checks will not have any negative impact on your credit score.

Is my data secure?

All the information you provide during your application process is encrypted end-to-end. Cashute has no visibility of your personal details such as bank information, home address, income information. Only you and the direct lender will see this data. Our responsibility is to connect your application to a wide range of direct lenders. Even though our services are connecting you to direct lenders does not remove the fact that we are responsible for ensuring your data is kept safe at all times. Cashute website uses the latest in encryption algorithms the sort that you may find on the large online retailers.
Cashute is registered with the FCA 843601 and the Information Commissioner’s Office ZA520114

Can I get a guaranteed Cash Loan with bad credit?

Unfortunately, at this present time there is no such product as a guaranteed loan. For a lender to make a safe and sensible decision they must consider each and every loan application on its own individual merits and examine the personal circumstances of every borrower to ensure that they are able to afford the loan without causing themselves financial hardship. To stand a better chance of being approved for a loan consider improving your credit score.

What is the Best Bad Credit Cash Loan for me?

Each lender is different, and each borrowers’ circumstances are particular to each individual. No two lenders and borrowers will be the same and as such it is a tough question to answer. There are multiple lenders out there which claim to be the best there is with the best interest rates on the market. The truth is that you will not know what interest rate you will get until you apply for a loan. Our service will allow you to connect to multiple direct lenders with a single, simple application.

Are Bad Credit Cash Loans expensive?

The cost of a bad credit cash loan depends on which lender approves your loan, how much you wish to borrow and over what repayment period you choose. Not all lenders offer the same rate of interest. The lowest interest rates are reserved for borrowers who have the higher credit scores, whiles you may find those with lower credit scores having to contend with higher interest rates. When you apply for a bad credit cash loan and receive a loan offer ensure that you read the terms and conditions of the loan before you accept it. Check that you are happy with the repayment terms, interest rate and understand any fees if applicable.

In 2014 the FCA imposed strict rules on all direct lenders which enforced a rule that no borrower would ever have to repay more than double the initial loan amount plus they also set a maximum daily interest rate of 0.8%. These short-term loans are not as expensive as people have been led to believe.

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