Short-Term Loans No Credit Check*

Instant Decision 3 to 60 Month Loans

£100 – £5,000 paid out by 21:46 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 are Short term loans with no credit checks?

Be very careful of any lender or broker claiming to be able to offer you a short term loan with no credit checks. There are some unscrupulous lenders and brokers on the internet or high street trying to make a fast buck on the back of short-term loans and luring unsuspecting people in with promises of short-term loans with no credit check. The Financial Conduct Authority requires that all lenders carry out a credit check on every loan application.

Cashute is an independent loan introducer, and as such we do not offer loans, nor do we perform any credit checks on your application.

What we do is transmit your application securely to a broker partner who will then match your application with suitable lenders which will be more likely to approve your loan.

The panel of lenders which we work with will perform a credit check on your application using more relevant and up-to-date metrics when considering your loan application such are employment status, how long you have been with your current employer, residential status and other important details about yourself.

Please always bear in mind any company regardless of whether they are on the internet or on the high street offering you short term loans with no credit check also it is a good idea to check with The Financial Conduct Authority to ensure they are authorised and regulated to carry our lending or brokering.

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Free, no-obligation Fast response loan quotes

Are Short-term no credit check* Loans expensive?

Many years ago, when short-term loans were first introduced into the UK direct lenders were charging very high levels of interest along with high fees for late payments or missed repayments. This all changed in 2014 when the Financial conduct Authority stepped in to impose strict rules regarding how much direct lenders could charge their customers.

Since then short-term loans have become just one of many different types of credit facilities that are available to you. Provided the loans are repaid in full and on time these short-term no credit check* loans can be an affordable way to deal with sudden financial demands.

The Financial Conduct Authority rules mean that no short-term loan direct lender can charge more than 0.8% interest per day. They also placed a cap on the amount which any borrower would ever have to repay. This means if you borrow £200 you’ll never have to repay more than double.

Do I need a credit check to apply for a Short-term Loan?

When you apply for a short-term loan a direct lender will only perform a soft credit check. A soft credit check does not leave any footprint on your credit score. It is only when you accept a loan offer from a direct lender will a hard credit check be performed. A hard credit check will leave a footprint on your credit history. What is the different between a soft and hard credit check? A soft credit check is performed by the direct lender to determine if in principle you would qualify for a short-term loan. It is not until the hard credit check is carried out that they will know for sure. If you are wondering why a hard credit check is not performed on the outset when you apply is due to a few factors:

  1. It does cost the direct lender to retrieve your credit report
  2. Many people apply for short-term loans via multiple sites
  3. Performing multiple hard credit checks will have a negative effect on your credit history

Direct lenders do not take a positive view of someone who has many hard credit searches in a short space of time. This is seen by direct lenders as someone that relies too heavily on credit.

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

Is applying for the Short-term no credit check* Loans via your site safe?

We at Cashute are aware that entering your personal details into a website which you have only just discovered on the internet might feel a little bit risky. Rest assured that Cashute is listed on the FCA register and are incorporated as a limited company in England and Wales. We take your security seriously, Cashute website uses the latest in data encryption technology which means all the information that you send from your browser to our website is totally encrypted. Only you and the direct lender will see your data. We at Cashute could not see your financial details even if we wanted to and we don’t want to see it, nor store it in anyway.

Will a credit check lower my credit score?

If you miss repayments or are late with repayments it can affect your credit score. Too many credit checks could reduce your credit score. If you apply for too many consumer credit products and are constantly turned down this could affect your credit score. You want to limit the frequency of your credit applications to no more than a few times every few months.

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

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 the Short-term no credit check* Loans with very bad credit?

Yes, you can apply for a short-term loan even if you have very bad credit. Direct lenders will always consider all loan applications and base their decision on more than your credit score. They will want to know if you are able to afford to repay the loan by looking at your income and if you are employed. This is not to say that you will be granted a loan. Direct lenders are very careful not to lend to people who cannot demonstrate an ability to repay the loan or have a history of missing repayments or defaulting. If you have very bad credit taking out small short-term loans and repaying them on-time can be a good way to get your credit score back on the uptrend.

How much are broker fees from direct lenders?

We do not charge you anything for using this service. Although some direct lenders may charge you are a fee or add some additional fees to the loan amount you are lending.

If we do not charge you any fees then how we make a living, well that’s a simple question to answer. Our income is from the lenders in the form of commission there, nice and transparent.

The service we provide you is built to ensure that we can match your application with the best short-term loan and direct lender. We have no bias towards any lender and are totally impartial our brokerage partner deals only with reputable lenders which will perform a credit check on your application.

How do I find the best short-term direct lender?

We are not a lender or broker, even better, we are an independent Appointed introducer, which gives us the flexibility to help you find the ideal lender for your circumstances without any obligation.

We process applications for people with good credit scores and we endeavor to help find people short term loan for bad credit.

During the application process, you will be asked a series of questions which will be used by our panel of lenders to make the fast decision regarding your loan so that you will receive your short-term loan quickly.

Ensure that you are filling the application form correctly with all the field completed this way you will increase the chances of being approved, and this means the money you need will be in your account fast and it will also go a long way to help protect your credit score from being reduced because the application was declined.

Can I get a Short-Term loan with very bad credit?

Our panel of direct lenders is happy to receive applications from you, even if your credit rating is bad. These lenders have many years of experience in funding bad credit payday loans. Lenders will now look at more than just your credit rating but also, they will look at your employment status, how much you earn along with your ability to repay the loan.

Whether you have good or bad credit you can qualify for a Cashute payday loan, simply apply for your loan, remember it is a no-obligation application and we’ll do the rest.

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