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

Whether you’ve been hit with an unexpected bill, your car is on the blink, or you’d like some building work completed; don’t let money worries stand in your way. There are plenty of finance options out there, even if you have struggled in gaining funds in the past or you have been labelled with bad credit. One of these options is a quick and easy cash loan from a trusted provider. 

What are cash loans?

Cash loans are a type of loan designed to quickly plug a hole in your budget. Be it a broken washing machine when kids need their school uniforms washed over the weekend, or a broken-down vehicle that you need for work, a cash loan can get your funds quickly in order to go on with your life. 

You won't have to waste time waiting in line at your local bank only to be turned down as the amount required is lower than the minimum threshold most high street banks offer - usually around £1000. 

How much cash can I apply for? 

Cash loans come in all shapes and sizes and CashFlex can help you get a loan between £100 and £5,000. As we mentioned above, they are a very flexible form of lending that can help quickly when you need money the most.   

Can I get a cash loan online? 

Yes, you can! In fact, most reputable loan providers are operating online and require minimum, if any, interaction over the phone or in person. The entire process of borrowing money can be done online - from the quick and easy application to the approval decision and consequently sending the money to your bank account.

You won't have to wait in line, and you probably won't have to spend time having to answer uncomfortable questions over the phone. You can easily apply online on your mobile, tablet or laptop within minutes. 

How quickly will I get the money? 

In general, you can get the money very quickly if your loan application is approved. Lenders are able to send cash to your bank account within minutes, but the actual speed of showing the available balance in your bank account will depend on the procedures and speed of transactions of your bank.

However, sometimes there might be a slight delay depending on whether it is a bank holiday, money sent outside regular business hours or over the weekend. In most cases, however, money is sent within minutes of successful application. 

What's the APR? 

That really depends on the type of annual percentage rate. Your exact APR will heavily depend on your own personal circumstances - your credit history, previous repayments, income and other factors. 

Our representative APR, on the other hand, is currently 99.9%. The number means that over 51% of customers who arranged a loan with CashFlex have received that rate or better. 

What are the repayment terms? 

The repayment terms, again, will depend on the loan amount you requested and the length of the agreement. 

For example, if you request a £100 loan, the repayment terms will be 3, 6, or 12 months. If you however need a £1000 loan, the monthly payments will be between 3 and 36 months. CashFlex offers loans between £100 and £5000 with repayment terms between 3 and 36 months in general. 

How to ensure your application is successful?

The best way to ensure your application is successful is to check your chances of approval before you actually proceed with a full application. You can do this with our FastCheck loan eligibility checker. 

FastCheck will assess your affordability with a simple application. It should take no more than 2 minutes to enter your details and get a response. It will not affect your credit rating and you can quickly see if any of the lenders on our panel are interested in your application. It is worth noting that if our eligibility checker indicates a good chance of acceptance, other factors that lenders base their decision on could influence your ability to obtain your desired loan.

If you choose to submit an application with Cash Flex, once a positive response is received, you can proceed with a  full application directly on the lender's website. Each lender is different and may require additional information before they can send the funds to your bank account.

Do cash loans affect your credit score?

Yes, a cash loan can affect your credit score, but that can also depend on a lot of other factors. For example, if you default on your agreement your credit score will likely suffer, but if you repay your loan in full and on time for the duration of the agreement, your credit score may be improved. 

Can I get a cash loan without a credit check?

No, you can't get a loan without a credit check in the UK. All authorised and regulated lenders in the UK are required to perform credit checks prior to lending any money as part of the affordability checks set out by the Financial Conduct Authority (FCA). If a lender claims that can offer a loan without a credit check they are either operating illegally or it is part of a scam.  

What is the eligibility criteria? 

In order to be eligible for a loan with CashFlex, you need to fit within the following criteria: 

  • Be over 18 years old 
  • Be a UK resident 
  • Have regular income 
  • Have a bank account with a debit card
  • Have regular income paid directly into your bank account 

Can I get a cash loan with bad credit? 

Yes, you can get a loan even with bad credit. While this is not guaranteed by any means, we have a panel of lenders who specialise in lending money to people with poor and bad credit history. Our lenders are more interested in your current financial situation over potential money mistakes you've made in the past.

Being approved for a loan with bad credit history or a bad credit score is not impossible, although it may be tricky. Certain lenders specialise in loans for those with bad credit. Remember though, interest rates are likely to be higher, and you may be offered a smaller loan than you requested.

Source: VivaMoney.co.uk

If you are able to demonstrate an ability to pay back money borrowed in full and on time, chances are we can match you with a lender willing to consider your application. Our lenders believe most people should have affordable access to cash regardless of previous mistakes they may have made. 

Can I get cash with a payday loan? 

Yes, you can get cash with a payday loan, but please keep in mind that CashFlex does not accept applications for payday loans. What we offer instead is short term loans with flexible repayment terms. All the lenders on our panel are authorised and regulated by the Financial Conduct Authority and offer flexible repayment terms even to people with poor credit history. 

What if I can't pay or run into financial difficulties? 

You have to keep in mind that cash loans are designed to plug a short term financial hole in your budget. They shouldn't be used as a long term solution. If you feel that you can't afford your payment, it is always best to contact your lender as soon as possible and let them know about your situation - they might be able to help. 

If you feel that your financial situation is starting to get out of control, there are several organisations that might be able to help. You can get in touch with them for advice on what to do next: 

  • www.StepChange.org
  • www.MoneyHelper.org.uk
  • www.CitizensAdvice.org.uk
  • www.DebtAdviceFoundation.org
  • www.NationalDebtLine.org

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 £134.94 per month. Total amount repayable of £1,619.26 Interest: £619.26. Interest rate: 99.9% p.a. (fixed). Representative 99.9% APR.

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