Loans For People With Bad Credit

£100 – £5,000 paid out by 21:52 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 Loans for People with Bad Credit?

Loans for people with bad credit are fast short-term loans for relatively small sums of money that UK direct lenders offer to people with poor credit histories.
If you have bad credit and need a fast-instant cash loan paid directly into your bank account Cashute can help.

If you need to borrow money for a short period of time to cover the costs of an emergency expense a short-term loan Cashute can help.

When you apply for a loan through Cashute we will connect your application to a panel of lenders that specialise in providing loans for people with bad credit.
Our application form is designed for people to be able to complete in a matter of a few minutes. You can apply for any amount between £100 and £5000, once approved you could have the money you need in your bank within an hour.

When must I repay my loan?

Each lender has their own proprietary formulas which they use to determine many factors regarding your application. Some lenders prefer the loan to be repaid in one lump sum if it is for a relatively small amount for example £100 loan might be expected to be repaid on your next payday whereas a loan for a larger amount i.e. £1000 loan would be repaid over many months.

When you apply for your loan you can indicate what repay term you wish. When the lender makes you a loan offer it is up to you to decide to accept it or turn it down.

It is normal to pay back the loan either at the end of the month or on your next payday or over multiple months as an instalment loan. Cashute is not a lender. Our specialty is to connect your application to a panel of UK direct lenders.

Applying is Free and No-Obligation

Is the information I provide secure?

Cashute respects your privacy. We understand your concerns regarding sending your personal details over the internet and of course entering your details into a website like Cashute which might be the first time you are visiting our site.

Cashute was founded by experts in the I.T and security fields. We understand what it takes to secure your data and transmissions. All your data is encrypted when transmitted using the latest encryption standards used by all the big internet giants like Paypal and Amazon.

All the data you transmit between your browser and our website is encrypted using either 128bit or 256bit key encryption. The key length is dependent on which one your browser can support.

At this present moment Cashute do not store any of your personal data on our local databases. So, even if all our I.T equipment was stolen or hacked into your data is safe as we do not store any data locally.

Your use of our services is strictly voluntary and is governed by our Terms & Conditions and Privacy Policy.

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

How do I qualify for a Loan for People with Bad Credit?

When you apply for a loan via Cashute we will connect your application to a panel of direct lenders in the UK who specialise in loans for people with bad credit. We ourselves do not make any decisions regarding whether your application will be successful although we find that a high percentage of people who apply through Cashute for a loan are offered a loan.

Each UK Direct lender for short term loans has their own systems and proprietary software and formulas to determine your suitability for a loan.

Having bad credit is not an instant rejection since these direct lenders have experience in handling applications from people with bad credit.

All Direct Lenders are authorised by The Financial Conduct Authority to match people looking for short term loans with direct lenders.

All lenders have the same basic requirements that you are over 18, are a legal resident of the UK, have an active bank account and are bringing in a regular income.

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

What can a Loan for People with Bad Credit be used for?

These types of loans exist to provide a service to people who need access to cash fast. Normally the reason that people apply for these loans is to cover a sudden financial emergency or a short fall in their finances.

These short-term loans are usually for relatively small amounts of money from between £100 to £1,000 to be borrowed over a short period of time.

People use the money to pay urgent bills, fines, repair bills or some other expense which cannot wait until the next payday.

Before you apply for a short-term loan it is advisable that you calculate how much you can comfortably afford to repay without causing yourself any hardship. These types of loans are designed to cover short term financial issues and are not to be used for long term borrowing.

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

What does it cost to apply for a loan?

Cashute do not charge to use our service. It is completely free at point of use and there is no obligation for you to accept any loan offer made by any of the direct lenders. Ultimately you are in control of that decision, there is no obligation on you. We find that many people will apply via multiple broker sites looking for the best loan and rightly so. You must be comfortable with any financial arrangement you enter. Therefore when you receive your loan offer it is important that you read through the entire document so that you understand the amount you are expected to repay each month, what the interest rates are and any fees that the lender may charge if you for any reason make a late repayment.

Are Loans for People with Bad Credit expensive?

These types of loans also called payday loans or short-term loans have in the past received a lot of negative media publicity due to having relatively higher interest rates than traditional credit like personal loans or car loans. The Financial Conduct Authority stepped in many years ago to set down rules regarding the maximum daily interest rates and fee cap. One example how the FCA has helped borrowers is to establish a rule which states that a borrower will never have to repay more than double the original loan amount. So, if you borrow £200 you’ll never have to repay more than £400 over the life of 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