Quick Loans Bad Credit

Instant Decision 3 to 60 Month Loans

£100 – £5,000 paid out by 21:44 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*

Apply online for a Quick Loans bad credit

Quick loans bad credit are offered by direct lenders when you need to address a sudden financial demand when you have bad credit. The application process via Cashute is simple and straight forward and requires no paperwork. .

Our service helps people every day by connecting them to dozens of direct payday lenders automatically. Our application process is fast and easy. It only takes a few minutes to fill in the application form.

People looking for a quick loans bad credit need money now to pay bills and other expenses which either cannot wait until their next payday or they do not want to dip into their savings.

Unlike traditional loans like personal or car loans which are normally repaid over the course of many years. Quick loans bad credit is repaid either with 30 days or on your next payday. Although it is possible to repay your quick loan over a longer period. When you apply for your loan simply choose the repayment duration along with the loan amount.

The direct payday lenders that will process your application have years of experience with handling applications from people with bad credit. Having bad credit today is not grounds for instant refusal. Bad credit loans are nothing new and direct payday lenders always look at your current financial circumstances to see if you can afford to repay the loan.

When must I repay my Quick loan?

When you apply for your quick loan you can decide the repayment period. If you are borrowing a relatively small amount of money, then you might be comfortable repaying the loan on your next payday. If the loan is for a larger amount, then you might be better off repaying in smaller instalments over many months. You have to decide what you can comfortably afford to repay. Do not put yourself into a position where you are struggling to repay the instalments. Before you apply for a loan it is recommended you calculate your monthly budget and workout how much you can afford to repay.

Apply For Your Loan Here

Applying is Free and No-Obligation

Is the information I provide secure?

Simple answer is yes! When you apply for your quick loan bad credit via Cashute you can rest assured that your data is secure. Cashute website is support real-time high-level data encryption between your web browser and the Cashute webservers. We employ the same encryption algorithms which are used by all of the major internet giants.

Cashute do not store any of your data on any local servers. Also, we do not store any financial data, not ever. We take your security seriously and always will.

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

How do I qualify for a Quick loan?

Cashute is not a direct lender. Our service is designed to allow people in the UK to save time and effort when searching for a quick loan. Instead of having to apply for a loan via multiple websites Cashute provides a single application form that connects to dozens of major UK direct payday lenders.

These Direct payday lenders specialise in processing thousands of loan applications each day from people with good and bad credit alike. Each of these direct lenders will have their own specific proprietary formulas when figuring out which applications they will grant. No two payday lenders are the same in that respect, although they do share some common requirements for example, they all require borrowers to be at least 18 years old, be legally resident in the UK, have a current bank account and proof of a regular monthly income.

What can a Quick loan be used for?

Well, you can use your quick loan for anything you like, but if you have just applied for a quick loan bad credit then one can presume that it is to address an urgent financial demand that has come up.

It is recommended that you use these types of quick loans to sort out your urgent bills rather than say using the money for a night out on the town.

If the local garage bill needs paying or the electricity bill needs settling, then do that. Don’t be tempted to borrow more than you need even an if it is an extra £100 or £200. You want to clear your debts quickly and rebuild your bad credit rating by demonstrating that you are a responsible borrower.

Quick loans are designed for short term borrowing. Although if you are facing financially difficulties, we recommend that you consider credit counselling on debt-management.

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 does it cost to apply for a quick loan for bad credit?

There is no cost to apply for your quick loan via Cashute. Nor are you under any sort of obligation to accept a loan from a direct lender.

We earn our money via commission payments from the direct lender for introducing customers to the direct lenders. We don’t make any credit decisions we simply provide you with the ability of having a single point where with one application form your request is presented to a panel of direct lenders. So instead of having to apply via multiple individual websites we are a one stop shop.

Regarding fees, it is important that when you are offered a loan by a direct lender that you read the terms and conditions so that you understand what fees they might apply to the loan along with what the interest rates and the repayment terms.

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

Can I borrow a Quick loan bad credit if I have a CCJ?

The lenders we connect your loan application to will receive thousands of applications per day. They are well versed in handling applications from people with CCJ’s.

Your past credit history does play a large part in the decision a direct lender takes when deciding whether or not to grant you a loan but they will also look at your current circumstances, for instance, they will consider your present employment status, how much are earning an so forth.

When you submit your application, the lenders will carry out a soft credit search before offering you a loan. This soft credit search does not leave any footprint on your credit report.

Are Quick Loans Bad Credit expensive?

In 2014 the FCA placed caps on the percentage of interest a lender could charge their borrowers each day. This was done to protect borrowers from their debts spiraling out of control. The FCA settled on a daily interest rate of 0.8%. The FCA did not stop there. They also placed a maximum on the amount you would ever need to repay. For example, if you borrowed £200 then you will never repay more than double.

If you do have bad credit when applying for your quick loan it might be possible you will be offered an interest rate which is higher than say someone with a better credit rating. The reason for this is that a lender would perceive someone with bad credit history to be a higher risk. So, when you take out a quick loan that you repay it in full and on time to start repairing your credit score. Also, just a reminder that these types of short-term loans should never be used for long-term borrowing.

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

I need a quick loan bad credit with no Credit Check

“No credit check loans” are advertised by many lenders which makes people think that they can get a loan with no credit check being performed. This is not quite the case. It is required by law in the UK that a lender authorised and regulated by the Financial Conduct Authority performs a credit check on all loan requests.

If you are worried that a credit check might affect your credit score don’t be. When you apply for a loan a direct lender will first carry out a soft credit check to see if in principle you would qualify for a loan. This soft credit check will not leave a footprint on your credit report. The only time that the lender will carry out a hard credit check is when you accept the loan offer from the lender.

It is recommended that you do not apply for consumer credit products in a short space of time as lenders might view you as someone who relies too much on credit Any firm which promises you a quick loan no credit check might not be regulated by the FCA.

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