Payday Loan Companies

Instant Decision 3 to 60 Month Loans

£100 – £5,000 paid out by 22:13 Today

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We don’t charge you any fees

Money deposited in 15 minutes 

We don’t perform a credit check*

What do Payday Loan Companies offer?

If you are in need of a small sum of money quickly in an emergency, then a payday loan company can help get access to the cash fast.

Thousands of people every day rely on the speedy service of direct lender payday loan companies to help them sort out financial emergencies when they arise out of the blue.

Payday loan companies have ensured that the loan application process is quick and simple so that you can get your loan fast.

A quick Google search will reveal that there are quite lot of payday loan companies operating today that It can be confusing selecting the one to suit your needs.

What can Payday Loan Companies do for me?

In simple terms payday loan companies allow people to borrow small sums of money for short periods of time. As the name may suggest the loan is repaid on the next payday or within 30 days. Although it is possible to apply for a loan with a longer repayment period of a few months up to 60 months in some cases.

Each payday loan company will have slightly different approval criteria as to whom they would be prepared to borrow money. Some payday loan companies may specialise in bad credit loans whereas some other may focus on larger loans over longer periods of time.

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Applying is Free and No-Obligation

Some of these payday loan companies have been around for many years and have established themselves as reputable household names whereas other are new to the payday loan industry with little track record but that does not mean they are not to be trusted. Every company has had to start some place and it is always wise to do a quick google search of the company before proceeding with a loan. You want to be sure you are borrowing money from a reputable business. All of the lenders we connect to are registered and regulated by the Financial Conduct Authority.

How can I apply for a payday loan?

Applying for your payday loan could not be easier. The whole application process is performed on-line straight from your P.C, Tablet or smart phone. You have options when applying for a payday loan. You could either apply directly via a payday loan company, alternatively you could apply via a broker or you could apply via Cashute.

When you apply for a payday loan via Cashute your application will be sent to a panel of direct payday loan lenders. So rather than apply for a loan from individual payday loan companies we have made it easier to find the best payday loan to suit your circumstances and situation.

The application process will ask you to fill in your personal detail, employment information and bank information so that the direct lender can perform affordability checks to ensure that you can comfortably repay the loan without causing yourself any financial problems.

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 I be Approved for a Payday Loan?

It is hard to say if anyone will be approved for a payday loan. Each of the direct lenders have their own proprietary formulas that they use to determine the suitability of each of the applications. Although there are some requirements that you are expected to meet for all lenders.

All lenders will want to know how much you earn each month or each week. This is so they can understand if you will be able to afford to repay the loan after your daily expenses or if you will struggle to make the repayments. No lender wants to put you in that position and all lenders would prefer it if their customers were to repay the loan with interest. A borrower who may not be able to repay a loan is not someone they would be keen to lend to.

Lenders will also want to know how long you have been in your current job. They will also want to know if you have had a steady employment history which is a sign that you are a reliable person who would stand a better chance of being approved for a payday loan.

You must be over the age of 18 to apply and be accepted for a payday loan. This a legal requirement along with being a legal UK citizen and have a bank account in the UK.

All Direct payday loan companies will perform a credit check to see what sort of financial history you have. They will want to see if you have ever defaulted on a loan in the past or missed any payments. Your credit score is your financial DNA fingerprint and will give the lenders an idea of whether you are a responsible person financially. The lenders to which we connect to a familiar with dealing with applications for bad credit loans.

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

Can I Apply For a Payday Loan If I Have Bad Credit?

Yes, having bad credit will not prevent you from applying for a bad credit loan. Simply fill in the application form and submit it. Once submitted we connect to dozens of specialist lenders who deal with payday loans for bad credit. They are geared to deal with applications for poor credit daily from thousands of people in the UK.

Having poor credit will not mean you won’t be accepted since payday loan companies will always look at more than just your poor credit score, they will look at whether you are able to afford the repayments too and have a steady income.

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

Are Payday Loans Right for Me?

Before you borrow money, you will need to consider if your absolutely need to borrow money from a payday lender. Borrowing money is a responsibility which should never be taken lightly, and you are expected to repay the loan when it is due according to the loan agreement you signed.

Although sometimes we have no choice but to borrow money in times of emergencies to pay bills, fines or for household repairs which need sorting out. Before you accept a loan agreement from a lender ensure that you take the time to read through the loan terms and conditions and that your understand how much you are expected to repay each month, what the interest is and what the fees may be for late repayments.

When choosing your payday company, you’ll want to do a quick google search to look up any reviews other customers have left. You want to make sure you are getting the best payday loan possible from the best payday loan company.

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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

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