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Borrow Money - Apply Now With CashFlex

Life can be difficult sometimes when it comes to money; the boiler breaks down, your trusty car gives up, or you have simply just received an unexpected bill. Even for the financially savvy person, these types of curveballs can’t be planned for and that’s where a loan can give you the chance to borrow money ASAP and bridge the cash gap.

How To Borrow Money Online?

Taking out a loan nowadays is exceptionally simple, you can apply from the comfort of your own home in just two minutes, or on the go, and in some cases the cash could be with you in minutes*.

Seems fantastic right? Well, there are some simple things that we would like you to consider first before borrowing the money and committing yourself to a credit agreement:

  • Do you need the money right now or can you wait and save for it?
  • Can you ask a family member or friend for the money instead of applying for a loan?
  • Why would you like to borrow the money?
  • Realistically how much money do you need to borrow?
  • Can you afford the loan repayments and when do you want to borrow the money?

We ask these questions to make sure that you have considered all the options available to you prior to taking out a loan.

Borrowing money is an easy option for your financial difficulties although you must be confident that you can afford the repayments. It also has implications on your income, so we would like you to consider the following before taking out a loan:

  • Do you feel that you have the job security for a loan?
  • Are you aware of any health concerns or any other factors that could impact your ability to keep up the repayments?

Other things that you will need to apply are proof that you are over the age of 18, have a valid UK bank account, be in employment and receive a regular pay cheque, and that you are a UK resident.

Which option is best for you?

There are many options available when it comes to borrowing money, and you should be sure to select the one that is appropriate for your particular circumstances. Loan options include:


Short-term Loans

Short term loans are usually unsecured, and you can borrow anything from £100 to £5,000 once credit and identity checks have been run to ascertain how likely you are to repay the loan. They usually have monthly repayments which are structured around your pay schedule lasting anywhere from 3 to 36 months – essentially a loan designed to be repaid quickly. Read more here.


Unsecured Personal Loans

Although Short-term Loans fall into the Unsecured Personal Loans category, with this type of loan you can typically borrow anything from £100 to £25,000. Unsecured loans let you borrow money without having to secure it against any assets such as your car or your house. As you’re not providing any kind of guarantee to the lender that they’ll get their money back, they’ll run credit and identity checks to assess how likely you are to repay the loan.


Secured Loans

A secured loan is a loan only available to property owners or people who have a mortgage. The money is secured against your house, and if you fail to pay, they can use the value of your house to regain the money. With these types of loans, you can borrow anything from £10,000 to £1,000,000, because lenders are confident that they will get their money back. Also, secured loans typically come with low-interest rates when compared to unsecured loans because the lender is taking on less financial risk.


Guarantor Loans

Guarantor loans are unsecured loans where a second person is responsible for paying off the debt if the person who has taken out the loan misses their repayments. This can be an option for those with a no credit history or a poor credit rating, who struggle to get accepted for a loan product. However, please note you may end up paying more interest the longer your loan term. 


Bad Credit Loans

‘bad credit loan’ isn't necessarily a 'bad' thing, it simply is a loan for people with a poor credit history; people that have missed a repayment in the past or haven’t got a credit rating yet. Because the person’s options are somewhat limited the interest rates are a little higher as the lender takes on all the financial risk. 

Why are timely loan repayments essential?

It is great getting your hands on that much-needed cash but you must make sure that you keep up to date with your loan repayments.

You will be required to pay back the amount that you have borrowed in full with the addition of interest. Unfortunately failing to do so does result in penalties and can be damaging. Falling behind on your repayments may incur fees and will almost certainly affect your credit score along with your ability to borrow money or make larger purchases in the future.

But please don’t let this put you off, you will be informed of your repayment schedule prior to taking out your loan, just take the time to absorb all of the information prior to signing the loan contract.

Why choose CashFlex to borrow money for your loan?

report from Mintel suggests that: more than half (54%) of 18-44s say that it is more important to be accepted for the loan than the rate of interest charged.

We understand that our customers not only want to see the lowest loan rates in an easy to understand way but also gain the peace of mind of being ‘accepted’ – with that we have developed a family of market-leading financial sites which include eligibility checkers.

Our customers are at the heart of everything that we do, and they relish the fact that they are looked after by financial experts. We are proud to say that we collectively have over 120 years of experience, plus our sites drive over 15,000 applications per day to lending organisations in the UK.

So, if you’ve been hit with an unexpected bill, car repairs or a household emergency we can help you borrow money now! It takes less than two minutes to apply for a short-term loan between £100 and £5,000, and if you are accepted, the money could be sent to your account in minutes* in some cases.

Whether you have a perfect credit score, or you have incurred bad credit, we may be able to help you find a loan that is right for you. If you are unsure if you will be accepted, why not try our Loan Eligibility Checker? It leaves no credit footprint, is secure and gives you loan confidence in less than 60 seconds.

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.