Direct Lenders Only

Instant Decision 3 to 60 Month Loans

£100 – £5,000 paid out by 21:54 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*

Why do People Use Direct Lenders Only?

Do you recall the days before insurance comparison websites what an absolute bore it was to have to speak to one insurance company after the other? Each company asking you the exact same questions over and over before you got a quote. Then along came the internet and then you found yourself filling in endless forms to get the same, but then suddenly out came all these comparison websites which made applying for insurance so much easier right?

When you need to borrow money now for an emergency you do not want to have to spend time filling in endless application forms when all you really want to do it have the money in your account so you can get to work resolving those urgent bills.

Many people use direct lenders only to find their short-term loans. There are good reasons that people apply via direct lenders only.

Applying is Free and No-Obligation

Advantages of Direct Lender Only Loans

These days quite a few people have begun using direct lenders only rather than going via brokerage firms when borrowing money, the reasons for this are:

Cheaper Loans: If you go via a broker you will end up paying more, you’re your loan as the broker will put their fees on top of the loan. If you approach direct lenders only then you never pay brokerage fees.

Note: Cashute are not a broker we are an introducer, which means we do not add any fee to your loan. We earn our fees from a very small commissions from the lender.

No Shared Info: Direct lenders will not share or resell your data to third parties unless you start otherwise via opt-in options when you apply for a loan.

Direct Lines of Communications: When you deal with a broker you will never have access to the company to whom you owe the money to. Going through a direct lender only you have direct lines of communications.

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 are the criteria for borrowing from a direct lender only?

Can I borrow more from a Direct Lender?
Borrowing from the direct lender you can borrow what you need provided you can prove your income and your ability to repay the loan on-time. All direct lenders will perform a credit check on you to ensure that you are a responsible person and do not have a history of repaying late or defaulting on loans. The better your credit score is the more likely you will be able to borrow more.

What are the criteria for borrowing from a direct lender only?

First of all, you need to be over 18. No lender would consider anyone under that age. You will also need to have a bank account into which the loan will be deposited. It is also required they you have a steady income. All direct lenders will examine your credit report to ensure that you are a responsible borrower. Although even if you meet all the requirements is does not mean you will be granted a loan. Applying for a loan via Cashute does not cost you anything and can be done in a few minutes.

How hard is it to get Direct Lender Loan?

It is generally easier to get a loan from a direct payday lender than it is to get a personal loan from the bank. Usually this is due to the amounts involved with personal loans which can be as high as £25,000.
This is not to say a direct lender is going to be handing out loans like sweets. They will still need to perform all the necessary credit checks and affordability checks. They do not want to loan money to someone who either has neither the means to repay or shows any history of being financially irresponsible.
We pass your application onto direct lenders who specialise in short-term loans with a lot of experience handling applications for bad credit loans daily.

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

What sort of person can apply via a Direct Lender for a Loan?

Provided you meet the requirements as stated above then anyone can apply for a loan. If you need an instant payday loan and need it quickly then we would recommend going via a direct lender. Applying through Cashute can place your application in front of dozens of direct lenders in one go. If you have bad credit and are looking for a bad credit loan apply for your loan above.

Direct Lenders only Loans via Cashute

Applying for your loan via Cashute will put your application in front of dozens of short-term direct lenders in seconds of you having pressed the apply button. The panels of direct lenders will determine if they are the suitable providers to grant you a loan. Each direct lender has their own specific proprietary formulas to determine if they will approve a loan application.
All direct lenders are aware that they are dealing with loan applications from people who need an emergency loan. To that end, when you accept the direct lenders loan offer you could have the cash in your bank account in as little as 15 minutes†.

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 do I know if the direct lender is right for me?

When you receive your loan offer you will have the opportunity to read through the loan offer and make yourself aware of any and all fees, interest rates, the amount you will be expected to repay each month along with any fees you might incur due to late or missed payments.
Borrowing money even for a short period of time such as a payday loan is not to be considered as something you do not need to pay since it is such a small amount of money in comparison to a mortgage for example. Borrowing money is a responsibility which ought to be taken seriously.
Before you accept a direct lenders loan offer please take a moment to consider if you can comfortably afford the repayments and how you will budget your expenses around the loan. Will you need to cut down on anything or will you need to take on more hours at work. These are all things which need to be considered.

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 can Cashute find the right instant loan for me?

Applying for your short-term loan via Cashute will ensure that your loan application is placed in front of the best UK direct lenders who specialise in short-term loans, payday loans and bad credit loans.
The whole process is automated, and most people get a response in a few minutes of applying. If you have requested a loan for a large amount of money it is possible that the lender may ask for further proof of affordability.

Before you accept a loan offer from a direct lender do a quick on-line search to see how the direct fares regarding reviews. Read the reviews to determine what they are like, what their customer service is like. You want to be comfortable with your direct lender of choice before making any commitments.
Cashute’s service connects your loan application to dozens of lenders which will save you a lot of time and hassle when all you really want to do is sort out your financial emergency. All the direct lenders on the panel are authorised and regulated by the Financial Conduct Authority

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