Short-term Loans

Instant Decision 3 to 60 Month Loans

£100 – £5,000 paid out by 11:13 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 is a Short Term Loan?

Short-term loans are loans for relatively small sums of money that are borrowed over short periods of time. Short-term loans are usually repaid over the course of a few months generally between 3 to 6 months.
Short-term loans are normally taken out when a sudden financial demand falls on our laps which needs to be dealt with immediately and cannot wait until payday. Having to pay car repair bills or settle demanding bills can be frustrating as it eats into our savings and sometimes taking out a small loan is better than having our savings wiped out in an instant. In an ideal world we would all have a pot of cash set aside for these emergencies.

Are Short Term loans expensive?

Short Term Loans like Payday loans are regulated by The Financial Conduct Authority who have placed a maximum amount of interest which lenders be charge borrowers for short-term loans to 0.8% interest per day. Not only that but the FCA also created caps on fees and that a borrow would never pay more than double the loan amount for the life of the loan. For example, if you took out a £200 loan you will not pay back more than £400 including fees. This is true for short-term loans, bad credit loans and payday loans.

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Advantages of Short-Term Loans

There are many types of finance available out there such as the tradition types for example personal loans, mortgages, car loan and such like. Where short term loans stand out are detailed below:

Convenience: Going to the local bank to secure a loan for a relatively small sum of money for a short period of time may not be an option. Many banks will not consider short-term loans for £500 for instance. Whereas the direct lenders Cashute connects your loan application to will handle short term loan applications. We pass your application to dozens of direct lenders in one go as soon as you submit your application. All this without having to leave your desk.

Quick and Easy Application: Our application process is designed to be fast and convenient. We do not ask you to provide any paperwork during your application process. Short term loan providers want to ensure the process is fast and no drama. The whole loan application process takes just a few minutes to complete.

High Approval Rates: Regardless of whether you have bad credit or great credit direct lenders will consider applications from people with all types of credit. These lenders consider your application based on you are more than just your credit rating. They will also look at your current income and employment status, this means more approvals for people with bad credit.

Quick Deposits: Provided you have completed the application form correctly you could have your short-term loan in your bank account within 15 minutes of accepting a loan offer. Direct lenders understand the urgent nature of the application and will do their utmost to ensure the money reaches you fast. Deposit speed is also dependant on your bank deposit policies sometimes it can take up to 24 hours for the funds to appear in your account.

Cashute does the heavy lifting: Instead of having to apply for a short-term loan via multiple lenders one after the other filling in lots of boring forms. With Cashute you fill in one form and we will do the rest. We will present your short-term loan application to a panel of dozens of lenders who will examine your application. This mean the lender most likely to grant you a loan offer will pick up your application. This save you time and effort.

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

Which is the right Short-Term loan for me?

Finding the right direct lender can be a time-consuming marathon off one application after and another. Each time you apply for a loan another credit check is performed which can have a real impact on your credit score decreasing. With a lower credit score making it more difficult to be approved for a loan in the future.

Since Cashute is an appointed loan introducer we can do all the hard work of searching for the best direct lender on your behalf. We work with over 50 direct lenders in the UK and growing. When you apply for a loan through our platform our partner will perform a soft credit check to match you to the most appropriate lender without impacting on your credit score.

Our panel of direct lenders specialise in bad credit instant payday loans. This means you have a better chance of finding the right direct lender in less time offering a quick loan.

As Cashute is an appointed loan introducer and not a direct lender we take an unbiased approach to matching your application to the best short-term loans.

All the direct payday lenders on the panel are fully authorised and regulated by The Financial Conduct Authority.

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

Can I get a short-term loan if I have bad credit?

It was only until very recently that if you had a very bad credit rating that it was pretty difficult to get a quick loan. That has now changed as more lenders adapt how they assess their customers’ ability to repay instant loans. in the past lenders would look at just your credit rating but now they take into account multiple factors about you such as your earnings. if you are on the electoral register if you are in full time or part-time employment. It is now easier to apply for a short term loan.

We advise that these loans be used to solve a short-term financial problem and to never be used for long term borrowing due to the APR being higher than traditional loans.

When you apply for your instant loan through Cashute we will do all the hard work of searching for the most appropriate lender to fund your loan, rather than spending your valuable time filling in one application form after another you only need to fill in one form and we will match you to one of over 50 direct lenders in the UK to suit your circumstances, and when approved you could have the quick loan in your account within 15 minutes† after accepting the loan offer.

As always before you accept any loan offer that you go through the terms and conditions of the loan. Ensure you understand what the instalment amounts will be, how many instalments there will be, the total payment. It is very most important that you can afford to make the monthly instalment payments without causing you any financial problems.

What is the best Short-term loan?

That’s the million-pound payday loan question. There are so many direct lenders out that that it seems that a new one appears each week claiming this that or the other. We will do all the searching for you. We have via our partner access to over 50 direct lenders. We will present your application to these lenders once. Rather than you having to fil in 50 application forms.

What will a Short Term loan Cost?

It depends what the alternative is, the reason that people apply for short-term loans is to fix a sudden financial emergency. Maybe the car has broken down, or an unexpected bill demanding final payment has landed on your doorstep and needs paying or there might be penalties. Not being able to get to work may turn out to be more expensive than a payday loan. The penalties for not paying the bill on time might also be great than the cost of a loan.

Provided you payback the instant loan in time and budget for the loan it can be cheaper than you may think, in the past payday loans had a reputation of being incredibility expensive with interest rates running to over 2,000%, but as more direct lenders come into the market offering payday loan we have seen a marked decrease of interest rates.

Use our simple application form to apply today for a no obligation quote and see for yourselves.

What Can I spend my short term loan on?

In theory you can spend your short-term loan on anything you like. The money is not held on account that it be spent on a specific thing. Although we would advise that when taking out short term loan that they be used for essential expenses and not to be used in a frivolous manner such as a night out on the town. Short-term loans are for short term borrowing and should never be depended on for long term borrowing.

Is applying for a Short-Term Loan via Cashute safe?

The simple answer is yes. We understand that entering your details into a website which you have just discovered on the internet after a quick google search can be a little worrying but rest assured we are legitimate and our details can be found on the Financial Conduct Authority register. Also, your details are safe with Cashute. We ensure that all data you transmit to our website is secure using the latest in encryption technologies. We never share your details with any third parties other than the direct lenders.
Cashute does not store any of your financial details, now or in the future. This is ensuring your details are never in a position where they could ever be compromised.

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