Same Day Loans No Credit Check*

£100 – £5,000 paid out by 21:23 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*

Are credit checks performed on same day loans?

Beware of companies offering same day loans with no credit check. The Financial Conduct Authority which regulates companies offering loans in the UK requires that all direct lenders in the UK perform mandatory credit checks on every loan application they receive.

Most direct lenders in the UK look at more than your credit history to make a lending decision. They will for example look at your employment history, your income, how long you have been with your employer. Therefore, even if you do have a bad credit history there are direct lenders out there who are willing to help people with bad credit access short term loans although they will still perform a credit check.

Can I use a same day loan to consolidate my debts?

Yes, you can use a small loan to consolidate your existing debts. If you have outstanding balances on your credit cards, overdrafts or other small loans then a same day loan can be used to pay off all of the smaller debts so that you have only a single manageable monthly repayment to consider.

Managing one single loan may also work out cheaper than having to handle multiple loans. You will be paying less in fees than say an overdraft would incur. Also, it may improve your credit score if you pay off all your small loans. Having only one loan to worry about means less stress and hassle for you.

Apply For Your Short Term Loan Here

Applying is Free and No-Obligation

Will my bad credit score prevent me getting a same day loan?

Remember when you apply for a short-term loan each direct lender will have their own criteria with which to determine your suitability. Each lender will have their own parameters which they work with. you should not be too worried if you do have poor credit history for whatever reason when applying for a short-term loan as each lender will base their decision on more than your credit history.

Your current situation is also very important to the lender for instance what is your employment status, how much do you earn, how much can you reasonably afford to pay back. As such there are now many more lenders approving loans for people who in the past would have been declined.

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

Cashute is an independent appointed loan introducer and as such we are impartial, when you fill in your loan application it is passed onto our partner who finds the best direct lender in the UK to fund your application.

Our partner screens all the direct lenders on their panel which ensures that you do not end up dealing with a lender which is not regulated by The Financial Conduct Authority. Be aware of companies which claim to be able to offer same day loan with no credit check.

Using the information which you have provided will aid our partner to find the best direct lender which saves you the time and effort of applying to numerous direct lenders each which will perform a credit check and any refusal will negatively impact your credit score, so to prevent this our partner will identify the lender most likely to approve your loan application.

Why do you ask for my bank details?

All Direct lenders need to verify your identity when you apply for a short-term loan. Lenders are required by UK law to abide by money laundering legislation and they check each loan application is from a legitimate individual.

Your bank account details confirm who you are along with being able to 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!

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

Will a credit check lower my credit score?

There are two types of credit checks, a soft credit check and a hard credit check. Only a hard credit check may affect your credit score, to learn more about credit checks and credit scores take the time to read about credit checks. 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 hard credit checks are performed.

I need money now, how much can I borrow?

We here at Cashute works with our partner who has access to a wide range of direct lenders who are regulated by The Financial Conduct Authority. Via our platform, you can apply for a short-term loan of between £50 all the way up to £5,000 between 3 and 60 months.

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

How do I apply for the best payday loan?

To apply for the best payday loan is simple, collect your bank details. 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 wait for a response from one of our direct lenders as soon as we find the best match for you, this should not take long.

When you receive the loan proposal can decide if you wish to proceed with 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