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£4000 Loan - Borrow 4000 Pounds Today

There are times when many of us need to make a large purchase or payment, without the savings to cover the expense. We know there are difficult financial times, so here at CashFlex we offer loans from as little as £100 up to a maximum amount of £5000. Whether you are looking to book a holiday, buy a new car, consolidate your debts or carry out some home improvements, a £4000 loan could provide the cash you need.

Will I be eligible for a £4000 loan?

Here at CashFlex we have a panel of almost 40 lenders, which specialise in offering loans that are fair and transparent. Their progressive approach to lending means every application is individually assessed, so even if you have been declined in the past by your bank for a loan, you may still be accepted. 

Our lenders are authorised and regulated by The Financial Conduct Authority and are committed to responsible lending, so a credit check will be conducted. Although your credit report will influence their decision, the lenders will also be looking at your ability to repay the loan on time. They will be looking to see whether you can comfortably afford the loan, so that you are not pushed into financial difficulties.

Those with the best credit scores represent the lowest risk of defaulting, so they are offered the lowest interest rates. If you have a poor credit score but can prove that you can comfortably afford the repayments, you may be approved for a loan, although the interest rate could be higher than those with a perfect credit score.

In general, the lenders have a set of eligibility requirements which borrowers must meet, including being aged over 18, a UK resident, in receipt of a regular income and also holding a UK bank account with a debit card. If you are concerned about your eligibility for a loan, our FastCheck tool will provide you with an instant eligibility result. Simply enter a few key details and the tool will calculate your chances of being approved for a loan, without performing a credit check.

How to get a £4000 loan?

If you decide that a £4000 loan is the right option for you, the first step is to complete our online application form. You will need to provide your personal information, details of your employment, income amount, average monthly expenses and the bank details for the account you would like repayments to be taken from.

Your details will then be passed across to our lenders, who will assess the information you provide and complete a soft check of your credit file. The soft search is not a full credit check, so will only be visible to you. The information obtained will be used by the lenders to assess your ability to repay the loan. If a lender indicates to us that your application has a high chance of approval, you will be redirected to their website. 

Once you visit the chosen lenders website you will be asked to complete their application form and a hard credit check will be completed. This check will leave a mark on your credit report; however, by using our service you will only have a single hard check recorded. Although it can seem daunting to undergo a credit check, at this stage we will have matched you to a lender which has already indicated a high chance of approval.

If you are approved for a loan, you will be able to sign the loan agreement online and the funds could be released in just 10 minutes*. However, it may take longer for the funds to be available in your bank account, as the processing speeds of each bank vary.

How long do I have to pay off a 4000 pounds loan?

As a broker, we have partnered with a panel of lenders who are committed to offering fair and flexible repayment terms. When you borrow a £4000 loan through CashFlex, the repayments can be spread across 12, 18, 24 or 36 monthly instalments. Although, it is worth considering that the longer you take to repay the loan the more interest you will pay overall.

Before you agree to the loan term you should carefully consider how much you can comfortably repay each month. For example, if you are thinking of repaying the loan over 12 months and stretching your budget to cover the repayments, it may be wiser to consider an 18-month repayment period. Although the interest you pay across the loan term will increase, you will avoid potential missed payment charges and negative marks on your credit report. 

Our lenders offer fixed-rate loans, which means you will know exactly how much you need to pay each month for the duration of the repayment term. Unlike loans with variable interest rates, these amounts do not change in line with market rates. By knowing exactly how much your payments will be, you can effectively budget and ensure each repayment is made on time.

What can I use 4k loan for?

It is completely up to you, for example, the £4000 loan could be used to purchase a new car, instead of leasing or taking out a personal contract purchase. The loan payments can be spread across monthly manageable amounts, instead of paying a large deposit, balloon payment or even stretching your finances to pay for the car in full using cash. 

Although there are no strict rules about what the loan can be spent on, it is important that you carefully consider the impact of the repayments on your finances. If you would like to discuss your financial situation with an impartial organisation, there are several which offer free advice, including 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.