Need Cash Now

Instant Decision 3 to 60 Month Loans

£100 – £5,000 paid out by 21:22 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*

How can I get cash now?

Sometimes we just need cash now. We don’t have the time to go to the bank or ask our friends or family for a quick loan. Selling stuff on eBay will take too long and payday is weeks away.

It is not much fun to be in this position of needing cash now and having few options when the fridge is empty, and you need to do the weekly shop or you are facing eviction or your electricity cut off due to non-payment.

Although there are many options like overdrafts, credit cards available we may have already used them up to their limit.

One of the fastest ways to get cash now is to apply for a payday loan. With payday loans you could have the cash in your bank account within an hour of accepting a lenders loan offer.

Apply For Your Short Term Loan Here

Applying is Free and No-Obligation

So many Lenders to choose From.

When you need to resolve a financial crisis, you may find it stressful to decide on which lender is the most appropriate in respects to interest rates, repayment terms and repayment duration.

Although competition is good with many lenders to choose from and for the market it is not so great when you have to make a decision in a hurry. When looking at various lenders it is important to take a few moments to consider and compare the following factors.

  • Reputation of the lender.
  • Reviews of the lender.
  • Interest rate and fee charged by the lender.
  • Repayment terms.

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

When comparing the different lenders with each other can consume a lot of your time when you could be doing something else and it can quickly become very frustrating having to work out all the terminology and numbers.

Applying for a payday loan through Cashute takes all that stress out of your hands we take care of everything when you need cash now, we will present your application to a panel of lenders who will consider your application based on the details you have provided during the application process.

Each lender will have their own proprietary formulas which they use to determine whether they are the most suitable lender to offer you a payday loan when you need cash now.

How quickly will the loan be deposited into my bank?

From the point of applying for your loan to the point where you have the cash in your bank account could be as little at 30 minutes in some cases it can be a little as 15 minutes from the point of accepting the lenders offer. This all depends on your banks deposit process and speed.

Before you accept the loan offer from the lender you are advised to read all the documents they send you. Be sure you understand all the requirements. How much you are expected to repay, over how many months and what the interest rate is along with any fees you may be liable to pay if you fail to repay on time.

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

I need a loan and have poor credit. How much can I apply for?

If you are applying for a bad credit loan you can apply like you would normally apply for a loan. You don’t have to do anything differently. The panel of direct lenders have accumulated decades of experience dealing with applications for bad credit loans. Collectively they process over ten thousand applications per day. They know what they are doing.

When you are applying for a loan with bad credit you can apply for the amount of money you need. The direct lenders will consider your application based on your employment status and how much you are earning each month. So, even though your credit score may not be the best you may still be able to apply for a loan.

Car Repair

Unexpected Bills

Broken Boiler



Living Expenses

Home Improvements

Compare the Lenders

When considering which loan to accept from various lenders you might decide to go with the lender with the cheapest payday loan rates. Although this might be the sensible common-sense approach it is worth taking some time to look at any additional fees the lender might charge. Once again this can be difficult to do when you need cash now and those bills are not going to wait. But please take 5 mins at least to do your own due diligence and make the right choice.

What Are Their Repayment Terms?

Now that you have your short-list of lenders you can start to consider their repayment terms. Some lenders will expect you to repay a short-term loan in one go at the end of the month. You might be able to repay the entire loan in one go when your next pay cheque comes through or you might go with the extended instalment loan repayment structure where you repay the loan over multiple months. This will take the stress off your shoulders and ease the financial burden.

Repaying your loan over multiple instalments could make the loan a little bit more expensive but on the up side you are making the repayments more manageable so that you do not run the risk of missing any repayments and incurring additional fees.

Is the Lender Authorised?

As you are choosing the right lender which is for you don’t forget to check that they are registered with the Financial Conduct Authority. There are some firms out there that claim to be registered in the hope that consumers do not check.

If you do find a firm which claims to be registered ask for their FCA number and verify it by going to the FCA register website. Avoid all unregulated firms.

Check to see how long the lender has been trading. The longer the lender has been trading is a sign that they know what they are doing in the market and that customers trust them with repeat business.

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.

Benefits of Instant 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)
  • Loans can help to build up your credit rating

Should I apply for an Instant 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
  • You wish to repay your loan by monthly instalments
  • You like the peace of mind knowing exactly how much you will have to repay each month

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