Loans for People on Benefits

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£100 – £5,000 paid out by 21:47 Today

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Money deposited in 15 minutes 

We don’t perform a credit check*

Are there Loans for People on Benefits and Universal Credits?

The simple answer is yes, provided you can prove that the income which you are receiving can cover the loan then you may apply for a loan today.
For example, certain loans for people on benefits have been designed to suit various circumstances and there are various types depending on the type of benefits you are currently on. Disability Living Allowance would be considered a permanent long-term benefit and this type of benefit payment would be considered more favourably than short-term benefit payments.
When you apply for a loan your circumstances will be considered on an individual case by case basis. It free to apply for a loan via our system and you will receive a no-obligation response in minutes with cash in your bank within an hour or in some cases as little as 15 minutes†.

How Fast Can I Get the Loan Paid into my Bank Account?

When you need cash right away and happen to be on benefits (universal credits) then we can help you get that loan. All applications are free and come with no-obligation, and if approved you could have the money in your bank account within 15 mins† or accepting the loan offer.
At Cashute you can apply for loans from £100 up to £5,000 and repay over a period of 3 to 60 months.

Free, no-obligation Fast response loan quotes

Can I get a loan while I am on benefits?

Many people who are on benefits believe that they would not be eligible for loans and that some lenders may require a guarantor. The good news is that even though you may be on benefits you may still apply for a loan should the unexpected occur you won’t be stuck with that broken fridge or broken-down car.
When you apply for a loan through Cashute we will present your application to a panel of lenders which will decide if they are the right match to suit your requirements. Initially they will perform a soft search to see if in principle you would qualify for a loan. (Lenders want to ensure that they lend responsibly) this soft search will not impact your credit rating.

Can I get approved for a loan before I apply?

All loan applications need to as per The Financial Conduct Authority rules include a credit check. As much as we would love to tell you that there is such a thing as a guaranteed loan, unfortunately, there is not. Each individual application must be assessed for its suitability to repay the loan.
When you submit your application, it is put through a soft credit match to determine which lenders are likely to approve your loan application prior to applying for the loan.
Performing the soft credit search makes the whole application process much faster which means the money in your account faster and there is the advantage that a soft credit search will not impact your credit score should your application be declined.
Cashutes connects your application to panel of direct lenders that are all authorised and regulated by The Financial Conduct Authority who all by law are required to follow strict rules.

What can a loan be used for?

It is quite common when people take out loans when they are claiming benefits because their payments have been delayed or they have received less than they had expected. People will take out the loans to make up for the short fall so to see them through until the payments come through. Although technically the loan can be spent on anything you choose to spend the money on it is generally advised that the money be used for important expenses such as paying for the weekly shop, travel expenses, bills and such like. Be sure that before applying for a loan while on benefits that you have the means to repay and can afford the repayments without causing yourself any hardships.

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

When must I repay my short-term loan?

Each lender has their own criteria regarding repayments. Some direct lenders may expect the loan to be repaid in one lump sum after 30 days while some others may expect you to repay the loan over multiple months. You can choose the loan repayment period you desire when you make your loan application.

Is the information I provide secure?

It is possible you found Cashute after a quick internet search and are concerned about entering

your personal information into an application form on website which only a few minutes ago did not know existed. This is completely normal, but you can rest assured that Cashute is above board. Cashute is registered with the FCA number 843601

Regarding the security of your information you can rest assured that all your data is encrypted end-to-end. From your browser to our web servers all data is encrypted. It is also important to point out that Cashute does not store any of your personal information on any of our local systems. In the unlikely event that our systems are compromised your data is safe.

Your use of our services is strictly voluntary and is governed by our Terms & Conditions and Privacy Policy. Cashute is registered with the Information Commissioners Office ZA532495

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

What does it cost to apply for loans for people on benefits?

It is free to use our service. Cashute was set up to provide people with a single straight forward interface which they could use to apply for a short-term loan and have it considered by multiple lenders in one simple application rather than having the stress and annoyance of having to fill in numerous application forms on multiple lender websites. If you are wondering how Cashute makes a living is through very small commission payments from the lender from each application.

Are loans for people on benefits available if I have a CCJ

Each lender has their own criteria in respects as to whom they lend to, how much and for how long. Cashute has no control over the application process. Our role is to connect your application to a panel of direct lenders here in the UK. Having said that these direct lenders specialise in considering 1,000’s of applications each day for short-term loans from a wide range of people in the UK. Some have bad credit and CCJ’s whereas some have good credit. Each application is considered on its own merits and your current personal circumstances matter just as much as your credit history and CCJ’s. Applying for a short-term loan is free and comes with no obligation. This means you can apply for a loan via Cashute and whether or not you are accepted for a loan will have no ill effect on your current credit score.

Can I get a loan with no Credit Check?

Unfortunately, all loan applications must go through a credit check. If you are worried that your application may be rejected because you have bad credit should not prevent you from applying. Applying for a short-term loan via Cashute is free and no-obligation. If you are not happy with a loan offer you can walk away.

When you first apply for a loan a soft credit check is carried out on you. This will not affect your credit score. These soft credit scores are performed by the lender to determine if in principle you could qualify for a loan based on their criteria. It is not until after you accept their loan offer will a hard credit check be carried out. It is a hard credit check that will leave a footprint on your credit score. Having too many hard credit checks in a short space of time can look bad on your credit report. You may want to limit the number of credit applications you make to no more than 3 or 4 in a 3-month period.

Are loans for people on benefits expensive?

This does all depend on the lenders and the criteria they use to consider your loan application. Lenders always tend to look at more than just your credit score when they are calculating factors such as interest rates. Lenders also look at your current circumstances. For instance, if you are currently drawing benefit payments they will want to know if your benefit payments could cover the cost of a short-term loan without causing you financial problems. All direct lenders in the UK are bound by rules which require them to treat customers fairly and perform strict affordability checks prior to granting any loans. When you receive a loan offer is it vital that you read the loan terms and conditions prior to accepting.

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 really struggling with my debts, what can I do?

It is normal to feel like you want to ignore the problem and hope it goes away. If you are having problems meeting your monthly repayment it is important to contact your creditor to see if you can rearrange your repayments.
If you have multiple outgoings per month to multiple creditors you may want to consider a consolidation loan. This is a preferred way to bring all payments you may have under one monthly sum.
If you are not able to secure a consolidation loan then we strongly recommend contacting your creditors immediately the sooner you can address the issue the sooner you can get it sorted and avoid any charges. The Financial Conduct Authority place a requirement on all lenders to provide a duty of care to help all customers who are going through financial difficulties.
We recommend that you also seek the advice of the companies list below, they are there to help you, they offer free debt advice.

Warning: Late repayment can cause you serious money problems. For help, go to