Payday Loans

Instant Decision 3 to 60 Month Loans

£100 – £5,000 paid out by 12:03 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 Payday Loans and when do you need them?

Payday loans are small loans lent for a short period of time between 1 to 6 months. When you find yourself in need of a small amount of cash for a short period of time normally around a month you might want to consider this type of loan. These payday loans are designed to help people in times of a financial emergency.

We work with a panel of payday lenders who understand that their customers apply for these types of quick loans. These loans are designed to help with financial emergencies. Therefore, when you are approved you could have the cash in your bank account within 15 minutes after accepting the offer.

Payday loans are useful to solve short term financial emergencies and should not be used for long term borrowing.

When you receive the loan offer from your lender please take the time to go through the terms and conditions. Make sure that you have budgeted the repayments as missing any payments could incur late repayment charges.

If your fridge has packed up or your car has broken down a quick loan might be the answer, To get a loan simply apply today for a free, no-obligation offer via Cashute.

Can Payday Loans be expensive?

These types of loans have gained a reputation over the last few years of being expensive. Since the APRs on these types of loans were quite high, sometimes over 2000%. If these loans are used the way in which they were designed to be used they can be affordable. Always remember that when you take out a payday loan the idea is to fix a short-term financial problem, not a long-term financial borrowing.

The loans are designed to be repaid the following month. So, provided you do so then these types of loans can be very handy and not as expensive as you may think. Just use our simple application form to apply today for a no obligation quote and see for yourselves,

Apply For Your Loan Here

Quick Payday Loans from Direct Lenders

Are Payday Loans right for me?

We work with our partner to find you the most suitable lender who can offer you the most suitable rapid response payday loan. Even if you do have a bad credit rating, we can search for the lender which will provide loans with bad credit rating.

Lenders understand that not everyone has a perfect credit rating. They strive to ensure that they can help you with the best loan possible based on the information you provide on your application form.

The information you provide on your application will allow our partner to perform a soft search. Your information is used to determine which of the direct lenders on its panel of over 50 lenders is going to provide the best loans for you. This soft search will not affect your credit rating

What are the Payday Loan interest rates?

The loan interest rates have gotten a lot of publicity in the past few years with some lenders charging over 2,200% in some cases. With the increased popularity of these quick loans has created more competition with more loan direct lenders coming to the market offering instant loans which have driven down the APR.

These loans do have high interest, higher APR than some other traditional types of loan like car loans or a personal loan. The major reason for this is the nature of the payday loan as they are normally taken out over a very short period of time.

Whereas car loans or personal loans may be repaid over the course of many years, a payday loan would be paid back in the following month. A much shorter repayment period than traditional long-term loans.

If you are considering short-term lending please ensure that you can make the repayments. These quick loans should never be used for long term financial borrowing.


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


Authorised by the Financial Conduct Authority

Fast Online Application

No obligation quote

No paperwork

No Hidden Costs

Very High Acceptance Rates

Is it possible to apply online for a Payday Loan?

Of course, you can, our platform has been designed so that you can apply, submit and accept your loan online, either on your mobile, table and P.C. Direct lenders today have made the whole process as transparent and easy as possible to use.

Each payday lender on the panel will have a range of loan products available. You can apply even if you have bad credit as some of the lenders specialise in payday loans for those with bad credit

When applying for a loan online you have to make sure that you fill in the application form with all your correct details and we will do the rest. The application is free and no-obligation if approved you could have the money in your account same day or even hours of accepting the payday loan

Applying for online loans has become normal and easy. People have come to accept these instant loans as the most efficient way to deal with financial emergencies and many of the largest direct lenders in the UK are offering short term loans with bad credit.

Is applying for a Payday Loan safe?

All the details which you enter and submit via our website are secure and encrypted when being transmitted between your browser and our web server and from our web server to our lender’s platforms.

We totally understand that people are nervous about giving their personal and bank details over the web. Rest assured that your data is protected, and we NEVER hold any of your details EVER, only you and your lender will see your details, not even we can see them (Not that we would want to)

Also, follow very strict procedures to guarantee that your details are always kept secure since their reputation relies on their competence.

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

Will I need a guarantor for a Payday Loan?

The quick answer is no you do not need a guarantor when applying for a payday loan via Cashute.

Today’s direct lenders understand that is it not always possible for everyone to have someone to whom they may be able to ask to be their guarantor.

Guarantor loans are a loan where someone you know, like a family member or friend who will guarantee the repayment of a loan in the event you are not able to do so. Guarantor loans are used by people who need a bad credit loan and would be refused a loan on their own due to their credit history and need some else to guarantee the loan.

Direct lenders have a wide range of loan products which they have designed to help people with bad credit loans. Nowadays lenders look at more than just your bad credit score to determine if they should grant you a quick loan. Now they look at other details such as your employment status if you work full time or part-time.

How do I apply for a Payday Loan?

Applying for a payday loan via Cashute is very simple and straight forward. Just click on the “Apply Now” link at the top of the page, fill in your details correctly then submit your details to be matched against the most suitable direct lender. Once we have found you an appropriate lender you will receive a loan proposal which you can then decide if you wish to accept. If you’re approved then just apply and the money will be sent your bank account within hours.

Here, we understand you want a quick loan with minimal delay and to this end, we have made efforts to make the loan process nice and easy. You can apply with for free and 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 and that they expect to receive their funds quickly.

Will a Payday Loan credit check affect my credit score?

Being declined for a loan in the past would have had a negative impact on your credit score. Each time your application was denied meant that your credit score was again impacted. Being continually rejected has put off people applying who are in need of a quick loan.

This has now all changed. Today when you apply for a loan via Cashute our partner will perform a soft credit search. Using the details you have provided via your application form they’ll work to find you the best loan for your unique requirements. The soft search will match you to the lenders which are most likely to approve your application even if you do have poor credit.

More competition means more people being approved for loans even if you do have bad credit. The soft search will protect your credit rating and all our applications are free and no-obligation so, if you can apply for a payday loan via Cashute and if you decide not to go ahead you don’t have to.

Which is the right Payday Loan for me?

Working with our partners’ panel of lenders to match you to the best loan. These direct lenders will look at your personal circumstances as well as your credit rating before offering a quick loan.

Cashute is an appointed loan introducer and not a direct lender. We are unbiased in our approach to matching your situation to the best short term loans.

All the direct lenders on the panel are fully authorised and regulated by The Financial Conduct Authority.

Are there alternatives to Payday Loans?

If you do not want to take out a payday loan you could consider a small short-term loan paid over a longer period of time. This type of loan will enable you to repay the short term loan over a period of up to 60 months.


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.

Financial emergencies always come when we least expect them. They are like buses, coming in three just when we are low in funds and can’t pay for all of them.

Things like:

  • Broken Boiler
  • Car Repairs
  • Unexpected home repairs
  • Medical or dental expenses
  • Emergency travel plans

We always try our best to save for these events but in the modern world we live in there is always something that needs paying. New shoes for the kids, or new pair of trousers because the last pair torn in the playground.  It feels like there is no end to the steady stream of expenses all needing paying “immediately”.

Our wages have not kept up with recent inflation and our money just does not seem to cover all our living costs It is not surprising that many people turn to borrowing money to pay for these financial emergencies. Short-term loans be very beneficial to tie you over until your finances are back in order. If you also have bad credit from previous financial problems, it can feel like a double whammy and not always a pleasant place to be.

The panel of lenders which our partner works with have many years of experience in handling applications for loans to people with bad credit which can be approved very quickly. Sometimes you could have the money in your account within the hour. Financial emergencies need to be dealt with as quickly as possible and we do not have the luxury of time to wait days for a loan to be approved.

These lenders deal with all manner of loans for these types of situations:

  • Need a quick loan
  • Money in your bank account quickly
  • No Credit or Bad

Payday loans are designed for people who need to borrow money for a short period of time, and they have a job, with regular wages coming in and a bank account.  Payday loan lenders can approve these loans very quickly and having bad or poor credit is something they handle thousands of time each week.

Payday loans are paid back normally when you are next paid, usual payday loans are lent for 30 days with an APR of 292% representative. When financial emergencies arise, a short-term loan could be just the thing to help you sort it out quickly.

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