Small Loans no Credit Checks*

Instant Decision 3 to 60 Month Loans

£100 – £5,000 paid out by 21:50 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 small loans no credit check?

Some loan providers advertise small loans no credit check, but what exactly do they mean by that. It is a requirement set down by law that all lenders must perform a credit check before issuing a loan.

Any lender who does not perform a credit check on loan applications is simply opening themselves up to being exploited where anyone could apply for a loan and lie on the application form.

What these lenders actually mean when they advertise small loan no credit check is when they receive your application, they will perform a “soft” credit check on your application. A soft credit check does not leave any visible footprint unlike a hard credit check.

All lenders perform a soft credit check as an initial pass to see if you would in principle qualify for a small loan. If they are happy with the results of the soft credit check, they will make you a loan offer at which point you may accept or reject the offer.

Should you accept the loan offer only then will the lender perform a hard credit check.

Apply For Your Loan Here

Applying is Free and No-Obligation

What are small loans no credit check?

Small loans are just that. They are loans for relatively small sums of money. Small in comparison to mortgages, car loans or personal loans which could run into the many thousands, or tens of thousands in the case of car loans.

Traditional lenders such as banks and building societies do not in general lend small amounts of money to their customers since they would rather focus on the larger loan products that bring them more profit than small loans.

Small loan providers exist to meet the demand for loans of between £100 and £1,500 to be borrowed over short periods of times.

How do Small loans no credit checks work?

These small loans are designed to be easy to apply for and get approval in minutes. The whole process is performed on-line. No need to speak to anyone unless you need various points clarified by the lender then we recommend giving them a call when you receive the loan offer from them. They will help to answer all your questions regarding your borrowing needs.

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

Woman Applying for short term loan

Who are small loans no credit checks for?

There has always been a need for small loans. Many people for years have needed money to cover those unexpected bills that crop up every so often when they least expected them or wanted them.

Who could they turn to when they needed access to a small loan? In the past the only options they had were borrowing money from friends and family or taking out larger loans which they really did not need.

Sometimes people had to resort to approaching unlicensed and unregulated back street lenders who would grant you a small loan no credit check, but the interest rates were extremely high plus their collection methods were a little unorthodox.

Direct payday lenders were created to meet this demand for regulated and authorised firms to provide small loans to people who needed access to cash now over short periods of time.

Since their inception over a decade ago short-term payday lenders have helped hundreds of thousands of people in the UK solve their immediate financial problems.

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

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

Are these small loans right for you?

If you want to know if these types of loans are the right fit for you then you need to ask yourself the following questions:

  • Do I really need to borrow money now?
  • What do I need the money for?
  • Are there any other alternative ways to get the cash?
  • Could I dip into my savings?
  • Could I earn the cash instead?

It is important that you only borrow cash when you really need to. If you have savings then the question becomes one of do you wipe out your savings to pay for car repairs which will leave you with nothing or do you take out a loan which you repay over a few months but leave your savings untouched?

For that answer just take a look how very rich people finance their large purchases. They do it with other people’s money and not their own.

Once you decide to take out a loan it is wise to compare the different types. If you have a bad credit record then your choice will be more limited, but it is still worth contemplating all your options as there will be differences in price and terms which could have a significant impact on you.

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 having Bad Credit Affect My Application?

Emergency loans for sudden financial demands are what the lenders we work with specialise in. At Cashute our goal is the make the whole process of applying for small loans bad credit as easy, transparent and trouble free as possible.

Having bad credit should not prevent you from applying for a small loan. Many UK direct lenders receive thousands of applications every day for small loan with bad credit.

I Can’t Afford A Repayment, what shall I do?

Should you find yourself in a position where you are unable to afford a repayment it is important that you contact your lender and discuss the situation with them. If you miss a repayment without any warning you could be required to pay a £15 fee. Missed or late repayments may also affect your interest rate.

If you contact your lender straight away, they may be able to defer the payment until the following month and potentially help you set up a new repayment plan.

Remember that the lender wants you to repay the loan and they will help you as much as they can.

Apply For Your Short Term Loan Here

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

What Should I Look For In A Loan Provider?

There are a few things we would always expect a reputable loan provider to have. The first and foremost is they must be regulated and authorised by the Financial Conduct Authority. This means that they must operate under the strict FCA rules and guidelines.

Obtaining FCA permissions is not easy or cheap any lender who has managed to navigate the labyrinth of FCA documentation to gain the coveted FCA permissions licence number and be listed on the FCA Register will never do anything to put their FCA permissions at risk.

Also check to see what people on the internet have to say about the lender, are there any reviews about them online?

Does the lender have a direct number on which you are able to contact them on?

Does Cashute Comply with FCA Guidelines?

We hold our FCA permissions in high regard. We always work to improve our processes and complying with FCA regulations is very important to us at Cashute.

Flexible short-term loans lenders via Cashute have capped interest rates to no more than 0.8% per day with additional caps on other fees and charges. Plus, you will never repay more than double your original loan amount.

Small loans no credit checks still require a hard credit check despite what some sites might advertise. If you are looking for a small loan with bad credit you can apply quick and easy through Cashute. We will connect you to dozens of lenders who have years of know how when it comes to bad credit loans.

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