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Use Payday Loans to Get Cash Paid Now

Budgeting for our monthly expenses is easy to do. We know exactly how much money we need to lay out for the most common outgoings like mortgage or rent. We know more or less how much the utility bills will be along with the food shop and council tax etc. Knowing how much money we need for those regular expenses helps us plan and budget our finances accordingly.

It’s those unexpected expenses which catch us just when our finances are at their lowest point that we need access to money quickly. If you want to get cash now there are some options for you to use.

You could use your credit card to access the cash you need, or you could take out an overdraft. If you don’t have a credit card or if it is already maxed out, you should consider the convenience of taking out a short-term loan to get cash now in your bank to use to solve those unforeseen expenses.

Payday loans are an alternative to the traditional forms of credit which people have become used to and over 10,000 people per day apply through our panel of lenders which handle all manner of short-term loans from people looking for payday loans to bad credit loans.

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Applying is Free and No-Obligation

Same Day Short-term Loans explained?

Consider the various types of loan that exist in the market today. They come in all shapes and sizes. Each loan product is designed for a particular purpose. For instance, a mortgage is designed to help people to get onto the property ladder or even purchase another property.

Car loans are designed specifically to help people to buy cars and there are specialist companies who focus only on providing financing for purchasing cars. Once the loan has been paid off in full the borrower owns the car.

Then there are personal loans used by people to borrow large sums of money up to £25,000 to finance home renovations, or to start a business or even just to pay for a once in a lifetime around the world cruise.

Which ever of these loan products you look at they all have one thing in common and that is they are for large amounts of money and designed to be repaid over the course of many years. In the case of mortgages which could be repaid over the course of 40 years. A mortgage is a good example of long-term financing whereas a same day short-term loan is for much smaller amounts of money repaid within 30 days or over the course of a few months.

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

The loan products like car loans, personal loan take a few days if not a few weeks to arrange. For instance, it can take up to a few weeks to organise a mortgage a car loan can take a day or so.

A same day short-term loan can be arranged in a matter of minutes. It is possible to start your application for a same day short-term loan now and have the money in your bank in less than 30 minutes. These types of loans help you get cash now when you need it.

  • How do you determine if you need a short-term payday loan?
  • Do you need short term financing?
  • Do you need less than £1,000?
  • Do you need to get cash now?
  • Are you in full time or part time employment?

If you answered yes to all of the questions above, then it is likely that a short-term same day loan is what you are looking for.

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

Benefits of Short-term same day loans

These types of loans are not the only answer to solving urgent financial problems. There are ways in which you could address the problems. They may not be as fast if you need to get cash now, but they are options that you could consider.

Raise money by selling some possessions on eBay

Take out an overdraft from the bank

Take on a second job

Ask for a pay rise

Return any items you have recently purchased back to shops for a refund

Use your credit card if you have one

Even if you do take out a same say short-term loan it is still a good idea that you consider your spending habits and review how your finances took a hit. Maybe taking on a second job or asking for extra hours at work might be the start of building a nice pot of savings.

Some of the options listed above are valid ways to raise money, for instance many people make a very good living from selling items on eBay. But this is not a fast way to make money unless you list something right now and it sells in the next 2 hours if it is not always the fastest way to get cash now. Here is an article full of great ideas on how to make extra cash for yourself.

Using credit cards or overdrafts may led to further financial issues if you do not keep an eye on the charges and fees that some banks charge for extending credit.

When you need to get cash now there are few options which compare to the flexibility and convenience of same day short term loans. When you are faced with a financial emergency that needs to be resolved and sorted out right now there are few options that compare to same day short-term loans.

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

Get Cash Now for Emergencies

Whilst you are in complete control as to what you decide to spend the loan on it is advisable that it is used to cover unexpected financial emergencies and by the way, a night out on the town with the gang is not an emergency.

The most common reason people give for wanting to get cash now are listed below:

  • Repair Car
  • Repair Computer
  • Pay fine
  • Pay Utility bill
  • Pay vet bill
  • Buy new household appliance
  • Pay for unexpected travel costs
  • Pay for unexpected household repairs
  • Pay for boiler to be fixed.

These are the most common reasons people give. They are all valid reasons and they ought to be considered emergencies in their own right. If you need your computer back in action likewise for the car to get you to and from work.

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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 a Loan?

This is a very straight forward process which only takes a few moments to complete. Applying for your short-term same day loan can be done on your P.C, Tablet or smart phone.

The whole process has been designed for efficiency. Once you fill in all your details your application is sent securely to a panel of lenders who will examine your details.

Each lender has their own lending criteria regarding who they will lend to, how much and for how long. Where one lender may reject the application, another may accept your application and offer you a loan.

When you are offered a loan, you may accept it there and then or you may turn it down. Ensure that you take the time to read through all the information provided by the lender before you accept.

Once you have accepted the loan offer the money could be in your bank account within an hour. The speed of the deposit depends on your bank and time of day.

Finding the Best Lender

There are so many direct lenders to choose from. A quick google search will reveal page after page of direct lenders. Which one do you choose? What do you need to look for in a direct lender when you need cash now?

As we have seen above short-term same day loans are quite beneficial and have advantages over other types of consumer credit when you need to address a financial issue.

When you look for a direct lender, we recommend you focus on:

How long have they been in business for?

Are they FCA authorised?

Do they have reviews on-line?

What do their terms and conditions state?

When you apply for a same day short-term loan be aware that the process is very quick, and you could have an offer presented to in a matter of minutes of clicking the apply button regardless whether you are applying for a £100 loan or a £900 loan, the process is exactly the same.

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