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

Can I get a bad credit loan on the same day?

As a broker, we work with a variety of lenders which offer bad credit same day loans. We understand that there are many emergencies that can leave people quickly searching for a same day loan. In the past, a poor credit history could have made finding a same day loan difficult. However, today many lenders can offer bad credit same day loans. Whatever your financial situation, we can match you to the lender most likely to approve your loan.

Which bad credit same day loans are available?

If you have been refused bad credit same day loans in the past, our panel of lenders may still be able to help. It is possible to borrow a minimum amount of £100 up to a maximum amount of £5000, with repayment terms from 3 to 36 months. Although, if you are looking for bad credit same day loans of more than £1000, the repayment terms begin at 12 months.

The interest rate you are offered will be decided based on a number of factors and it is likely that your credit rating will be considered. Instead of approaching multiple providers of bad credit same day loans, we provide access to multiple lenders through 1 simple application.

Who can borrow bad credit same day loans?

There are many trusted lenders across the UK, which offer bad credit same day loans at competitive rates. If you have been reluctant to apply for competitive, flexible loans in the past, we can provide an alternative to high-interest same day loans. Instead of borrowing expensive payday loans which need to be repaid in just 1 month, we offer loans with flexible repayment terms.

It is possible to find out your chances of being approved for bad credit same day loans before making an application. Our 60 second tool will ask a few quick questions relating to your income, regular outgoings and how much you are looking to borrow. At this point the available lenders will conduct a soft search of your credit file, which will have no impact on your credit score. It will be used to establish whether you meet their lending criteria.

All regulated lenders will need to conduct a hard check of your credit file, during the final processing stage. Although, the whole application process is designed to be quick and straightforward. It may even be possible to have the bad credit same day loan released from the lender in minutes.** Although, the speed of funds availability will be dependent on the processing speeds of your bank.

If you have struggled with a poor credit rating in the past, you should take time to decide whether applying for bad credit same day loans is the right option. If you are struggling financially, there are organisations which can help such as The Money Advice Service and Step Change.

Try our FastCheck tool with no impact to your credit score

Our tool allows you to calculate your chance of being accepted for a loan.

You are age 18 and a UK resident

You have a regular income from employment

You have a valid UK bank account with an active debt card

Why choose us

Sometimes, the unexpected happens that means you need money fast. Here at Cashflex we offer a user friendly process to help you find same day loans in a responsible and affordable way.

How much can I borrow?

The exact amount you can borrow depends on your personal circumstances and can differ by lender. You can apply for a loan between £100 and £10,000

What are the repayment terms?

This is dependent on the amount that you wish to borrow. The repayment terms can be: 3 months, 6 months and 12 months to name a few, ranging right up to 36 months.

Can I apply for a loan with bad credit?

Yes. If you are unsure you can use our FastCheck tool to find out your loan eligibility.

Can I repay in instalments?


What will I need to get a short term loan?
Can I get a short term loan?

Over 18

You'll need proof that you are over 18.

Bank Account

Hold a valid UK bank account.


Have evidence of a regular income and UK residency.

Check out what our trusted customers had to say.

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Representative example: Amount of credit: £1000 for 12 months at £166.67 per month. Total amount repayable of £2000.00 Interest: £1000.00. Interest rate: 504.7% pa (fixed).

We’re a fully regulated and authorised credit broker and not a lender.