High Acceptance Payday Loans from Direct Lenders

£100 – £5,000 paid out by 21:23 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 High Acceptance Payday Loans from a Direct Lender

When you are faced with a financial emergency such as the washing machine has broken or the car needs repairing the last thing you want to be doing to filling in endless application forms looking for the right direct lender that will approve your loan.

What you are looking for are high acceptance payday loans from a direct lender to be approved first time around.

At Cashute we connect to dozens of high acceptance payday direct lenders who specialise in fast instant payday loans which they can have paid into your bank account within an hour of accepting a loan offer.

Applying through Cashute will save you a bundle of time and effort. Our application form is designed so that it only takes a few moments to complete with no need to send in any photocopies of documents. Although the lender might request additional documents to ensure affordability if you are requesting a larger then average loan

High acceptance payday loans from a direct lender are a much faster and convenient way to get the cash you need when you really need it.

Applying is Free and No-Obligation

How do these Payday Loans from a Direct Lender Work?

Payday loans as the name suggests are loans that are normally repaid on your next payday. So if you have a pressing financial demand you need to meet that cannot wait until you are next paid and are sure than you can meet the repayments without causing yourself any financial problems then these types of loans can help to tide you over.

When you submit your loan application Cashute will connect your request to a panel of UK based direct payday lenders who specialise in financing small loans.

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 Best Reasons to get a Payday Loan?

If you need cash now and need a loan fast there are few credit facilities which allow you to borrow money as conveniently and fuss free as applying for a quick loan via Cashute.

The lenders to which we connect your application to are experts in approving loans and have a good rate of acceptance. If you have bad credit or poor credit and are looking for a high acceptance loan from a direct lender we can help. Cashute will save you a lot of time and effort when looking for the best payday loan. The direct lenders look at more than your poor credit rating to determine if you qualify for a loan. As important as your credit score happens to be since your credit score is your financial history from that a direct lender can work out what sort of risk your present.

Direct lenders know that not everyone looking for a fast payday loan has the world’s best credit score and as such they will consider other factors, for instance they will want to know if you are in full time employment, how much you earn so they can figure out if you can comfortably afford the repayments.

When you apply for a payday loan a direct lender will not ask you to explain to them why you need the loan or what you will spend it on unlike taking out a personal loan from the bank who will ask all manner of questions before potentially making you a loan offer.

Once you accept the loan offer it is common to have the cash in your bank account fast. In ideal circumstances you could have the money in your account within 15 minutes. This depends on your banks deposit policy, time of day and day of the week.

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 will the Interest Rate be like for a Direct Lender Payday Loan?

The interest rates from direct lenders will depend on a few factors. The first factor is your credit score. If you have a good credit score you may be looking at being offered a lower interest rate than say someone with a not so great credit score. Another factor that will influence

the interest rate you are offered on your payday loan is which lender accepts your loan. Not all direct lenders will offer the same interest rates. The interest rates shown on all lender website are representative examples that show what 51% of their customers have received. The other 49% may have gotten a lower or higher rate.

The reason that someone with a lower credit score may be offered a higher interest rate is down to the direct lender considering them to be higher risk of defaulting or repaying late.

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 need a credit check to apply for a payday loan

As much as many people would sometimes prefer that no credit check is performed when applying for a high acceptance payday loans from a direct lender, they must understand that these credit checks are in everyone’s best interest.

If the lender did not perform a credit check they would run the risk of lending money to people who may not repay the loan or worse still lend money to people who could not afford the repayments and end up in debt which no one wants.

A credit check is to ensure that people do not borrow more than they can comfortably afford. No lender wishes for their customers to end up in financial difficulties since it is not good for business and morally unjustifiable. All direct lenders are authorised by The Financial Conduct Authority who hold all lenders to a set of standards which they must adhere to regarding treating customers fairly and responsible lending.

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 Can I Spend My Payday Loans on?

Payday loans are designed to be used to solve short-term financial problems and should never be used for long term borrowing. Although you have the option to spend the loan on anything you want to it is advisable to use the loan for emergency expenses and not to be used for frivolous spending like a night out on the town and such like. Most people use payday loans to pay urgent bills, car repairs or replacing household appliances which have ceased working.

Which best Payday loan is suitable for me?

There are so many payday lenders to choose from along with the fact that everyone has different circumstances that it is a tough question to answer. What we do at Cashute is trying to make the whole process simpler by connecting your application to dozens of UK direct lenders. These lenders will each examine your application to determine if they are the best match to grant you a loan. Once a lender has accepted your loan request, they will make you a loan offer. When you receive the loan offer you are encouraged to read the loan terms so that you understand how much you are expected to repay over the term of the loan along with what the interest rates being charged are plus any potential fees. If you are not happy with the conditions you are under no obligation to accept the loan.

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