Direct Payday Lenders

Instant Decision 3 to 60 Month Loans

£100 – £5,000 paid out by 22:24 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*

Direct Payday Loans for Financial Difficulties

Direct Payday Lenders are lenders who specialise in lending payday loans directly to the general public. When you are managing your cash flow you know what your expenses are during the month and generally this is a  straight forward process, but once in a while the odd unexpected bill or other expense springs up to take you by surprise and you find yourself unable to find the money to pay the bills.

When you find yourself going through a period of financial difficultly there are a few options available to you such as using your credit card, using your overdraft facility at your bank if you have one, or maybe even borrow from family and friends. One of the most convenient and less stressful ways to get the cash when you need it the most is to apply for a direct payday loan.

It only takes a few minutes to fill in the loan application form and everything is done on-line. No need to visit any branches or have anyone visit your home. Direct payday loans are paid straight into your bank account fast.

How do Direct Payday Loans Work?

A direct payday loan can be considered like getting paid now rather than having to wait until the end of the month. When you are paid by your employer you can then settle the direct payday loan in one lump sum or alternatively you can choose to repay the loan over a series of instalments.

How you choose to repay is up to you. The panel of lenders with which we present your loan application to will find you the best loan product to suit your needs.

Direct payday loans offer you one of the best alternatives to credit cards, overdrafts or other conventional forms of borrowing money.

Applying is Free and No-Obligation

Some of the Best Reasons to get a Direct Payday Loan?

Even though there may be some alternatives to finding money to pay your bills, very few methods of borrowing are as straight forward and as simple as applying for a direct payday loan. Here are some reasons why this type of loan may be of benefit to you:

Bad Credit Loans: Having bad credit is not seen as an obstacle by payday lenders who are familiar with dealing with applications from people with poor credit. Although all lenders run credit checks they will look at your employment status and income too.

No screening: When you apply for a direct payday loan you will not be asked to justify or explain why you need the loan. Once you receive the money in your account you are free to spend it on whatever you like.

Fast Cash Deposits: Once you accept a loan offer you will have the money in your account as fast as 60 minutes. This all depends on the bank you are with and the time of day.

Fast and Easy: Applying for a direct payday loan is quick and easy. Applications can be done in less than 5 mins and you will have your decision in a matter of minutes.

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

What will the Interest Rate be like?

The rate of interest you will be charged is dependant on which lender approves your loan. The details you submitted during your application will go in part to determine that rate. If you are in employment and have an income which can cover the repayments comfortably could result in a lower interest rate.

If you have a good credit score will also result in a lower interest rate. If you are applying for a bad credit loan where you have a history of late loan repayments or loan defaults would mean a higher rate of interest on your loan since the direct lenders would consider you a higher risk.

Direct Payday Loans from Cashute

If you are having issues with your cash flow the last thing you need are long and complicated application forms which hundreds of questions that take forever to complete while you search for documents to scan and email.

With Cashute the whole application process has been designed so that you can apply for your direct payday loan via your P.C, Tablet or smart phone with ease.

Once you hit the apply button your application will be presented to a panel of lenders who will decide if they are the best match to help you with a loan. Applying through Cashute is free and no obligation. We do not charge you for our services. Cashute works on a commission basis only. We only get paid if your loan is approved.

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

Why choose Cashute

Authorised by the Financial Conduct Authority

Fast Online Application

No Payout Fees

No obligation quote

No paperwork

100% UK Based

Very High Acceptance Rates

No Hidden Costs

Is it Worth a Getting Direct Payday Loan with Bad Credit?

Even if you have bad credit in fact especially if you have bad credit is it worth applying for a direct payday loan. The panel of lenders which assess your application have many decades of combined experience in handling applications for bad credit loans. They understand that you are more than just your credit history and credit score. They will look at other factors such as your employment status and your current income to decide whether to approve your loan.

Using Payday Loans correctly

Even though you are in control of the money which you can use to spend on anything you like it is recommended that you use direct payday loans to fix the hole in your finances. Payday loans should never be used for long term financial borrowing.

Do you really need to borrow?

Before you apply for a direct payday loan check that you really need to borrow the money. Is there any other alternative to borrowing?

You could consider the following ways to raise the money you need to pay your bills:

  • Sell stuff on eBay: Consider if you have anything you can sell on eBay.
  • Ask Family and Friends: Do you have any family or friends you could ask for a short loan.
  • Return latest purchases: If you have made any large purchases recently check if you can return them for a refund.
  • Second Job: Can you take on a second job in the evening or during the weekends.
  • Pay increase: Could you work additional hours to get more money.

All of the options listed above are valid ways to get some more cash in the bank. None are as fast or as convenient as applying for a short-term same day loan via Cashute.

Remember that before you borrow money that you have the ability to repay the loan in full and on time. Missing any payments or being late with payments will affect your credit score.

Car Repair

Unexpected Bills

Broken Boiler



Living Expenses

Home Improvements

Over 50 Lenders

No paperwork

Flexible repayment

Instant decision

No Credit Foot Print

Fast Deposits

Do I have to speak to a Broker?

No, there is no broker. Your application is sent direct to the lenders for their consideration. There are only two parties involved in the transaction. You and the lender. Cashute does not store any of your details in anyway on any of our systems.

Any contract you have will be between yourself and the direct lender. Going via a broker requires all manner of additional steps and paperwork which is something you can avoid when applying for a direct payday loan through Cashute.

Benefits of short term loans

The biggest benefit is, of course, the ability to respond to an unexpected event with a lump sum of cash. But, compared to other types of credit, there are other benefits to applying for a short-term loan through Cashute:

  • Funds in your account within the hour (hourly payouts between 6am-11pm)
  • Pay back your loan in manageable installments
  • You don’t need a guarantor
  • Borrow from £100 to £5000 (subject to affordability)
  • Short-term loans can help to build up your credit rating

Should I apply for a short term loan?

Depending on your circumstances, you should apply if:

  • Have an unexpected expense needing a lump sum
  • Would like to replace tired or worn out furniture or items at home
  • Need a quick decision at that moment
  • Do not want to take out a payday loan
  • Wish to repay your loan by monthly instalments
  • Like the peace of mind knowing exactly how much you will have to repay each month

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