15 Minute Loans Direct Lenders

Instant Decision 3 to 60 Month Loans

£100 – £5,000 paid out by 22:12 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*

15 Minute loans direct lenders

15-minute loans direct lenders when you are searching for a quickest way to get funds fast into your bank account can be very handy. Applying for payday loans via direct lenders can be the fastest way to get the cash you need to sort out some financial emergency.

Many direct lenders claim to be able to have the money into your bank account between 15 minutes and 1 hour of having accepted their loan offer. The deposit speed is based on multiple factors one of the biggest being your bank itself. Each bank will have their own deposit systems that determine how fast the money shows up in your account.

If you have unexpected bills which you need to clear which need to be dealt with urgently, you’ll need money fast. Searching online for the right direct lender can be a frustrating task. Bills need to be paid fast and therefore you need the cash fast. Cashute can help by connecting your application to dozens of UK direct payday lenders with one simple application. The UK direct payday lenders specialise in handling tens of thousands of applications each day from people needing loans quickly. Some direct lenders can have the loans in your bank in 15 minutes of accepting their payday loan offer.

What are 15 Minute Loans Direct Lenders?

15-minute loans direct lenders are a service which some payday direct lenders offer whereby they can have the funds deposited into your bank account in 15 minutes of having applied for a payday loan.

While not all direct lenders have this speedy deposit feature, they will all endeavour to have the cash with you as fast as possible. These lenders understand the urgent nature of a payday loan and why people apply for short term loans. They know the cash is needed for you to sort out a financial issue. Whether it is to pay bills or to see you through to the end of the month until your next payday.

Cashute has a simple application process which cuts down the amount of time needed to apply for a loan. The last thing anyone needs when dealing with a financial problem is to have to start searching for bank documents and other paperwork. Our application process is 100% paperless and obligation free. There is no requirement for you to accept any loan offer. If you don’t like the loan offer you can turn it down and apply again.

Applying is Free and No-Obligation

Why Choose Cashute When Looking for A 15 minute Loans Direct Lender?

If you are looking for a direct lender who can provide you with a loan within 15 minutes of accepting their offer, then applying through Cashute will give you the ability to allow us to connect your application to dozens of UK direct lenders in one go. These lenders specialise in emergency loans tailored for people like yourself looking for cash now to deal with financial emergencies.

These UK direct payday lenders understand your situation and will do their best to have the money deposited into your account quickly. So, if those bills are piling up or your car needs to be repaired, we can help you apply for that loan you need.

How Can I Apply for a 15 minute Loans Direct Lender?

The whole process is simple, just fill in the simple application form which takes only a few minutes. We will not ask you to submit any paperwork and the whole process is carried out on-line from the comfort of your own home. There is no need to visit any offices nor have anyone come around to visit you. You can apply using your P.C, Tablet or smart phone.

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

Woman Applying for short term loan

Is Cashute a Broker?

Our site has been designed with one function in mind and that is to provide an unbiased service to you. We do not favour any direct lender when connecting your application to the panel. We are not a traditional type of broker since a broker works based on an active relationship between the borrower and the lender. We make it easier to be able to present your application to multiple lenders in one go rather than you are having the stress of visiting multiple sites and having to repeatedly enter your details into each one.

Applying through Cashute for your payday loan means the whole loan search process is streamlined and ensures you are matched with your loan as quickly as possible.

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

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

Can I still apply for a Payday Loan with Poor Credit History?

Yes, regardless of your credit history whether it is good or bad you can still apply for a payday loan. Everyone ought to have access to loans when circumstances call for them. Some people worry that having bad credit will automatically disqualify them from applying for a loan.

Direct lenders don’t just judge whether to lend you money based solely on your credit score. They know people will not always have perfect credit scores. They are also interested in you as you are now. They want to know if you are in employment and how much you are earning. They want to know if you can afford the repayments without placing yourself into financial difficulties.

The direct lenders to which we connect to deal with thousands of applications each day and you can be assured that your bad credit loan application will not be the first nor the last of the day, week or year.

How fast can i have the money I need?

Most direct lenders will work tirelessly to ensure that the funds are sent to your bank account fast. Some direct lenders can have the money in your accounts in as little as 15 minutes from the point of accepting their loan offer. Although sometimes it can take a little longer, but you will have the funds in your account fast.

To ensure that the whole process goes smoothly make sure that you fill in the entire loan application form correctly and in full. Do not miss any steps and double check the spellings are all correct.

When you submit the application form our systems will transmit it in encrypted form to a panel of lenders who will decide whether they are the right lenders to grant you a loan.

Depending on which lender accepts your loan request you could have the cash in your bank account within an hour. Although some direct lenders could take up to 24 hours to deposit the money into your bank account. The time which it takes to have the money deposited into your bank account is out Cashute’s control.

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

How secure is your loan application service?

Applying for your 15 minute loans direct lenders via Cashute is safe. Our website uses the latest encryption algorithms which the big internet players use. All traffic and data sent between your web browser on our webserver is encrypted. The same is true for any traffic transmitted between our webserver and the direct lenders.

Cashute does not store any of your personal data on-site on any of our local servers. So, in the event of a data breach your records are safe from theft.

Are 15 minute Loans Direct Lenders regulated?

Yes, they are all regulated. All reputable firms which provide credit in the UK are required by law to be authorised and regulated by the Financial Conduct Authority. Cashute is also listed on the FCA register.

Many years ago, there were some direct payday lenders who were slightly unscrupulous towards their customers charging incredibility high rates of interest with fees on top. In 2014 the Financial Conduct Authority stepped into the industry to stop these bad actors and place strict lending rules with caps on all payday direct lenders. Today all direct payday lenders are bound by these rules. No borrower will ever have to payback more than twice their original loan amount and all interest rates are capped at 0.8% interest per day to prevent borrowers from entering a cycle of debt.

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

What sort of people need 15 minute Loans direct lender loans?

Anyone that needs access to money fast and they cannot wait until next payday to come around. Many people in the UK need access to cash now when they really need it to deal with unexpected bills and other financial emergencies and there are no other options such as using the credit card or overdraft. People use payday loans to pay the garage for repairing the car, replacing broken home appliances but not matter what the specific reasons might be you can apply for your instant loan via Cashute.

Prior to taking out a loan it is advisable that you consider a few things such as:

  1. Can you afford to repay the loan?
  2. Is the loan term right for you?
  3. Have you considered alternative financing such as asking friends or family?
  4. Can the bills wait until your next payday?

If you have decided to take out a payday loan and you know you can comfortably afford the repayments, then go ahead and fill in the application form and we will do the rest.

How much do i need to repay?

The FCA placed a cap on how much any borrower would ever need to repay. In 2014 the FCA decided that there were some payday lenders who were taking advantage of people in financial dire straits so they decided to place a cap on the amount which any borrower would ever need to repay. This cap was placed to prevent borrowers from going into a cycle of debt. Nowadays borrowers will never need to repay more than double the original loan amount. Along with a cap on how much each lender can charge in fees has driven down the cost of payday loans.

When you receive your loan offer from the direct lender it is advisable that you read through the terms and conditions so that you are comfortable with the charges and interest rates. If there is anything on the loan offer which you do not understand or is not clear just contact the lender directly and they will be able to assist.

What period of time can I repay the 15 minute Loans Direct Lender Loan?

When you apply for your loan you can choose over what period you feel you can afford to repay your loan. When applying you can choose between 1 month and up. Although originally payday loans were designed to be repaid on the next payday, they have now morphed into short-term loans that can be repaid over many months. This allows you much greater flexibility when searching for a loan to meet your needs.

Apply online today for your Payday Loan?

Applying via Cashute takes only a couple of minutes and is 100% paper free. First determine how much you need to borrow and for how long then fill in your details. Once you submit the application form, we take care of everything else. We submit your application to a panel of lenders who will look at your current circumstances and perform a soft credit check to see if they are able to grant you a loan offer. Once you receive your loan offer, read it and if you are happy with it then just apply and you will have the cash in your account fast.

A soft credit check will not leave any visible footprint on your credit score. It is only when you accept the loan offer does the direct lender perform a hard credit check. These hard credit checks will be visible to other lenders. It is advisable to keep to a minimum the number of credit applications you make in a short period of time or lenders may think that you are too dependent on credit.

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 moneyadviceservice.org.uk