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£400 Loan - Borrow 400 Pounds Today

If you need to borrow a £400 loan, our quick and simple loans could provide the ideal solution. We know that it can be difficult to find a £400 loan when there are so many lenders, interest rates and terms to choose from. As a broker, we can save you time and hassle, by matching you with the ideal lender for your individual circumstances.

How to get a £400 loan?

If you are looking for a £400 loan our online application form takes just 2-minutes to complete. Simply enter a few key details such as the loan amount, your personal information, income amount and regular outgoings. We will then pass your details across to our panel of lenders, who will complete a soft search of your credit file. This will enable them to quickly assess your eligibility and as soon as a lender indicates a strong chance of acceptance you will be redirected to their website.

When you visit the website of your chosen lender you will be asked to provide some additional information and the lender will complete a final hard credit check. Although this will leave a footprint on your report, at this stage you are matched to a lender who is likely to approve your application. If your application is approved you will be provided with your loan terms and conditions, although you are under no obligation to accept the loan offer.

We understand that when you need to borrow £400, it is likely to be for an emergency, so we have ensured that the whole process is very quick. Once the loan agreement is signed online, the cash could be released in just 15 minutes*. Although, the availability of the funds in your bank account will depend on the processing speed of your bank.

Can I get a £400 loan with bad credit?

If you have a low credit score and have struggled to access loans in the past, we might be able to find you a lender who is willing to approve your application. We know that a bad credit score doesn’t always indicate your ability to repay the loan, especially if you are managing your finances well now. If you have a CCJ or a default on your file, you may have been declined elsewhere, however, our lenders will still consider your application.

Our lenders are authorised and regulated by The Financial Conduct Authority, so they are responsible lenders and will only approve loans that they feel you can afford. This means they will complete a hard check of your credit file and the results will influence their decision; however, they will also consider your current ability to repay the loan.

Our FastCheck tool is designed to let you know if you are likely to be approved for a loan before applying. There is no credit check, we will simply use a few key personal details to see if you meet our lenders eligibility criteria. You will need to be aged over 18, a UK resident and in receipt of a regular income that is paid into a UK bank account.

What can I use a 400 pounds loan for?

Is your car in need of an unexpected repair? Do you need to pay for emergency home improvements? Whatever the reason an unexpected emergency can cause a lot of stress if you do not have the cash available to cover the cost. If you can’t wait until your next payday, a £400 loan could provide the cash you urgently need.

A £400 loan will improve your cash flow at a time when you need the money the most, and what you spend the loan on is completely up to you. However, you should consider the alternatives options available to you. For example, is a purchase now absolutely necessary or could you save the cash gradually? A loan is a serious commitment and you should always be sure you can meet the repayments before borrowing.

What are the repayment terms of a £400 loan?

Our loans are designed to help you borrow the exact amount you need with repayment terms to suit your budget. When you borrow a £400 loan our lenders offer repayment terms of 3, 6 or 12 months, instead of requiring the full amount on your next payday. Although our lenders offer loans of £100 up to £5,000, with sums of more than £1,000 offered terms extending to a maximum of 36 months.

As a broker, we are committed to helping people find £400 loans, with repayment terms which they can comfortably afford. We want you to be able to borrow the cash you need, without causing financial issues with short repayment terms. Although your repayments will be lower with a long repayment term, you may pay more in interest overall when compared to a shorter loan term.

Before you take out a loan it is important to ensure you will be able to comfortably afford the repayments. If you are struggling with managing your finances at the moment, a new loan may not be the right option for you. If you would like to discuss your finances in more detail, there are several organisations which offer free and impartial financial advice, such as The Money Advice Service, Step Change, PayPlan, National Debtline, the Debt Advice Foundation and Citizens Advice.

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.