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

Let’s face it, we all love a good deal and the same applies when searching for a cheap loan whether your car has packed in, you’re faced by an unexpected bill, or you just fancy making some home improvements; the finance options out there are endless.

Well, here at Cashflex our job is to take all the hard work out of searching the market for you. We compare unsecured short term personal loan providers from across the UK and supply you with one affordable loan, at the lowest APR available to you, along with a repayment plan to suit your personal circumstances.

Sound too good to be true? Simply fill in our two-minute Application Form to get your personalised loan quote in an instant, or if you’d like to check your eligibility, try our FastCheck tool, it takes 60 seconds and it will not affect your credit score.

Are loans cheap and do they exist?

It depends on the person really – to some getting a loan for a £1,000 car could seem like a large investment, but to others getting finance for a car which is £60,000 would be a drop in the ocean.

We prefer to look at “Cheap Loans” as to whether they are affordable to you. Prior to taking out any loan we suggest that first you think about how much you can put aside for a loan repayment each month, secondly how much you would like to borrow, and then as a result of that you will have a rough idea of how long your repayment period will be.

While it is an easy option to apply for a loan with Cashflex, please always consider if a loan is correct for you. If your financial commitments are stacking up and starting to become overwhelming, there is always help at hand from the following organisations: Step Change & The Money Advice Service

Where can I get a cheap loan?

The top five UK high-street banks, such as Barclays or the Halifax tend to be the first stop when people are on the search for cheap loans. But many seem to stall here, as banks and building societies often only lend larger amounts and veer away from people with bad credit.

Other ports of call are usually supermarkets such as Sainsbury’s and Asda, after all, if they have the best deal on cornflakes surely that transfers to the APR and fees surrounding their loans?

But inevitably most people end up taking out their cheap loans online.

  • Borrow £100 - £5,000
  • Fill in one simple form
  • Secure UK Site
  • Have your cash sent today**
  • Great customer feedback

How to find the right cheap loan for you…

People generally find themselves in a financial blur when researching the best cheap loans online, not to mention all the factors when considering which cheap loans are right for you, and where to get cheap loans from.

Furthermore, do not borrow from unauthorised lenders – the guys that promise you immediate finance but without any credit checks. It is actually illegal in the UK to lend without any credit checks, they most definitely will not be regulated by the Financial Conduct Authority, and if you do not keep up with the repayments you could get yourself into extremely deep water.

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.

See more feefo reviews »

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.