Poor Credit Loans

Instant Decision 3 to 60 Month Loans

£100 – £5,000 paid out by 21:46 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*

I have poor credit, can I get a loan?

Poor credit loans are offered by direct lenders which are specifically designed to aid people with bad credit getting access to credit when they really need it

Bad credit rating in the past was an obstacle in obtaining a quick loan, nowadays things have changed. We are finding more and more direct lenders are now taking into account more than your credit history.

Having poor credit in the past meant that people had to use guarantor loans but now direct lenders will look at your personal circumstances to determine your suitability to repay a loan based on factors such as your current employment status if you work full time or part-time etc.

In the past, people avoided applying for a short-term loan due to poor credit history but this is now all changing.

Cashute is an appointed loan introducer, we are authorised and regulated by The Financial Conduct Authority. Cashute works with our partner who with a panel of direct lenders will do their best to match your application with the most suitable lender for your short-term loan.

Direct lenders are well aware that short term loans are needed during an emergency and as such will endeavor to have the funds in your account as soon as possible after you apply for the loan.

The panel of lenders which our partner works with are all approved and authorised by The Financial Conduct Authority which means they are bound to adhere to a strict set of rules and guidelines such as being transparent with no hidden fees or charges.

Apply For Your Short Term Loan Here

Applying is Free and No-Obligation

I need a loan and have poor credit. How much can I apply for?

Cashutes partner has a large panel of direct lenders who specialise in short term loans of between £100 and £5000 with repayment periods ranging from 3 to 60 months.

How quickly will the loan be deposited into my bank?

Short term loans are normally needed during emergencies and we understand that you need the money in your account as quickly as possible.

Being approved for the loan quickly is down to the amount which you have asked to borrow and the repayment period. Our direct lenders will endeavor to have the money in your account within 15 minutes† of you applying for the loan, this is unlike in the past when people with bad credit would have to wait many days to get their short term loan.

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



Will you send my data to marketing companies?

The quick answer is no, absolutely never, we are monitored by The Information Commissioner’s Office. Your data is only sent to tour partner who will present it to the direct lenders. We will never use any third-party external marketing companies to contact you. Please refer to our Privacy Policy for further details.

Will you help me find the best short-term loans for people with poor credit?

The panel of lenders with which we work have designed many different types of short-term loans for people with bad credit. When you submit your application, it is presented to our partner who will match it to the best bad credit direct lender who is offering the best terms and rates based on your circumstances.

When filling your application it is important that you are as accurate as possible with the details and that you fill in all the fields correctly, that way we will find a better match for you as it allows our partner to make a more informed decision and match you with the best loans for poor credit being offered by their poor credit loans direct lenders.

How fast will a bad credit payday loan be paid into my bank account?

Direct lenders will aim to have the funds in your account as quickly as possible and you may find the funds in your account within 15 mins† of applying for the loan. Although the speed of the payment can also be down to your bank, sometimes the payments can take a few hours to come through to your account.

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

Applying for short term loan on mobile

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

Over 50 Lenders

No paperwork

100% UK Based

Very High Acceptance Rates

No Hidden Costs

No Credit Foot Print

Will taking out a loan improve my credit score?

The best way to improve your credit score is to make sure that you repay your loans on time along with paying off any credit cards you may have at the end of each month.Over time you will find that your credit score will improve, it is not an overnight process improving a poor credit score and can sometimes take a little while before you start seeing a change.

We also advise that you check your details are correct with the three main credit reference agencies, any errors will impact your ability to borrow.




So if you want to improve your credit score repay your loans on time, close any unused bank accounts and pay off store cards. You may consider a debt consolidation loan to bring all your payments into one monthly payment that way you can keep track of your finances much more easily

Car Repair

Unexpected Bills

Broken Boiler



Living Expenses

Home Improvements

Benefits of quick 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 an Instant 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 do I apply for a loan?

To apply for a loan is simple, collect your bank details. 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 wait for a response from one of our direct lenders as soon as we find the best match for you, this should not take long.

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?

Should you find yourself in a bit of trouble and are unable to pay the loan back you need to contact your creditor as soon as possible, also visit the following sites which may also provide you with assistance.


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