Instant Payday Loans

Instant Decision 3 to 60 Month Loans

£100 – £5,000 paid out by 21:21 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 Instant Payday loans

Instant payday loans are small quick loans designed to help you deal with sudden financial emergencies that come our way occasionally. These need to be dealt with quickly and can’t wait until the next payday comes around. Instant payday loans are normally taken out for a very short time. These loans normally they are repaid the next month after your next pay cheque comes through.

Direct lenders have designed these types of loans to be quickly funded into your bank account. The cash can be in your account within 15 mins† of applying for an instant payday loan offer from a lender.

Instant loans are usually very small loans of between £100 and £500 that are taken out for periods of between one month and three months. The quicker you pay back the loan the cheaper the instant payday loan will be. To ensure that you have budgeted for the repayments and that you don’t miss any instalments.

These loans are very popular in the UK with many thousands of people per day applying for instant loans to cover an emergency. These loans help today, rather than waiting until the next payday to sort the problem which by then could be worse and more expensive to fix.

Apply For Your Loan Here

Free, no-obligation Fast response loan quotes

Are Instant Payday loans suitable for me?

Instant payday loans are suitable If you have to fix a broken fridge or get the car back on the road and cannot wait until next payday. These instant payday loans work fine provided you pay back the loan when it is due then these quick loans can be the best option rather than having to go to the bank. These instant loans are for short term borrowing, we never recommend taking out a payday loan for long term borrowing.

Sometimes problems rear up when we least need them and as best as we try to manage our everyday finances sometimes. We get caught out and need a small amount of cash to see us through to next payday, these short-term loans can the best option.

I want to apply online for an Instant payday loan.

Our entire instant loan application is carried out online. If you are looking for a payday loan online you can do that here. Unlike going to a bank or building society where you are expected to fill in numerous forms and provide various forms of proof of residence, passports, utility bills and such like. Applying for an instant loan here we don’t trouble you with having to turn your house upside down looking for on document after another when you need to focus on the dealing with the sudden financial emergency.

At Cashute our platform uses the data you provide which we then encrypt and share it with our trusted direct lender partners to match your requirements to the most appropriate lender to fund your instant payday loan.

It does not matter how you apply you can use your P.C, mobile phone or tablet, the whole process has been designed to be as streamlined as possible.

To make sure that your loan application is successful please ensure that all your details are correct and accurate as any mistakes could lead to your application being rejected. Bear in mind that all applications are free and no-obligation. If approved for your payday loan you could have the money in your account same day or even hours of accepting the payday 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



Applying for short term loan on mobile

No paperwork

Flexible repayment

Instant decision

No Credit Foot Print

Fast Deposits

Is applying for an instant payday loan via your site safe?

When you apply for a loan through Cashute all your data is encrypted you’re your web browser and our web server. When we pass your data with our trusted direct lending partners the data is also encrypted so you can be secure in the knowledge that your data is protected.

We will never store your data on any of our databases. We repeat, we NEVER hold any of your personal details EVER, only you and your lender will see your personal details.

All direct lenders follow very strict procedures to guarantee that your personal details are always kept secure at all times.

Cashute is registered with the Information Commissioners Office.

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

How do Instant payday loans interest rates work?

Instant loans are just like all other types of loans which you may have applied for in the past. The difference is that they are designed to be taken out over a period of months rather than years or decades in the case of mortgages.

Another big difference is that instant payday loans do have a higher APR than traditional loans. This is simply due to the fact that they are being taken out for a very short space of time. Despite any negative press that payday loans have received in the past they have changed drastically. Since the early days, these types of loans are now very heavily regulated by The Financial Conduct Authority who lay down the rules as to how much interest can be charged. Today the maximum interest rate a payday loan which is 0.8% per day.

In the past, people got themselves in more debt when taking out loans due to the early direct lenders imposing high late repayment fees and no cap on the daily interest. Over time people were paying more in interest payment than they were paying off the initial loan amount.

As these types of instant loans became more common and more direct lenders started to enter the market. As more lenders entered the market we saw the APR drop from the incredibility high rates of over 2,200% too much lower APRs today. We expect the APR to drop even further in the future.

Provided that your instant payday loan is paid off in time these loans can be useful and not as expensive as they were previously.

When considering these types of loans always take a moment to budget for the repayments. Make sure that you can comfortably afford the repayments. These types of loans should never be used for long term financial borrowing.

Do I need a credit check for an instant payday loan?

Absolutely yes, but don’t let that put you off from applying if you have bad credit, our panel of direct lenders are experts in handling applications for people with bad credit for payday loans. All direct lenders are authorised and regulated by The Financial Conduct Authority and are therefore obliged by law to perform the credit check on each application they have to approve.

Although a credit check is not performed when you submit your application through Cashute, the way is works is our partner will perform a soft credit search to match your application with the most likely direct lender who will fund your loan this is done without affecting your credit score.

There are lots of direct lenders in the UK who specialise in bad credit payday loans and deal with many thousands of applications per day, so they know the market and how to determine the right instant payday loan for you.

Why do you ask for my bank details?

Direct lenders require your bank details so that they can identify who you are and to prevent fraud, they obliged by UK law to make sure to abide by money laundering legislation so they check each loan application is coming from a legitimate individual, by using your bank account details to identify who you are will allow the entire application process for a short term loan go much quicker as you don’t have to go finding recent utility bills or send a photocopy of your passport, the added bonus is that the lender can then deposit the instant loan straight into your bank account and take repayments with more ease. Please bear in mind that we will never store any of your application details on our database EVER!

Will a credit check affect my credit score?

It depends on what sort of credit check is performed, to read more about credit check and credit scores please take the time to read about credit checks by reading this article. What is a Credit Check? Hard & Soft Credit Checks Explained

The simple answer is it depends on what sort of credit check is being performed and how frequently credit checks are performed.

What are some alternatives to these fast loans?

If you want an alternative to a payday loan to address an urgent financial problem then your options are as follows in order of how quickly you could get the money:

1. Borrow money from friends or family

2. Ask your employer for an advance on your wages

3. Sell something on ebay

4. Take on a second Job

5. Ask for a pay rise

6. Study for further qualifications in your chosen field and be promoted

All of these examples above are certain ways to improve your financial situation and we recommend that you look into each of them, but if your financial emergency needs to be sorted out today nothing is faster than applying for an instant loan today,

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 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