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

When an unexpected emergency arises, in many situations it can put pressure on our finances. If you do not have the cash available to cover financial emergencies a quick loan could seem like the ideal solution. In our modern society we expect almost everything to be available at the touch of a button, with speed and ease important to many of us.

While there is no such thing as an easy loan, as credit brokers we have partnered with a panel of lenders which specialise in providing clear and transparent loans, with easy to complete application forms and flexible repayment periods. Our lenders offer loans which are designed to be quick to access, so you can borrow the cash you need.

Are there easy loans for those with a bad credit history?

Each of our lenders is authorised and regulated by the Financial Conduct Authority, which means they are committed to responsible lending. We believe that no loans should be easy to obtain, but we do feel that making the application process as quick and simple as possible is a great benefit to our customers. Our responsible lenders will consider all applicants including those with bad credit. One of the things they will look at is your ability to meet the repayment requirement without struggling financially.

We understand that many people search for an easy loan because they have been turned down in the past by banks and building societies. If you have a bad credit history, our lenders may still approve your application, if they believe the loan is affordable.

Any lender offering loans with no credit check is likely to be operating illegally and will not be authorised and regulated by the Financial Conduct Authority.

As responsible lenders a hard credit check will be completed and while this information will be important, lenders will also consider your recent financial history and the affordability of the loan. Our lenders understand that a poor credit history does not necessarily mean you will be unable to repay your agreement. If you can show that you are managing your finances well and will be able to comfortably repay the loan, your application for a loan may be approved.

If you would like to find out whether you are likely to be approved before applying, enter your details into our FastCheck tool. There is no credit check, instead our tool will assess whether you are likely to meet the key eligibility criteria of our lenders. You will be provided with an instant result, designed to help you decide whether to complete an application.

What easy loans are available?

We believe in straightforward loans which are tailored to the exact needs of the borrower, which is why you could borrow anything from £100 up to a maximum of £5,000. Instead of repaying the loan in full on your next payday, you will be able to choose from a range of flexible repayment periods. For loans of less than £1,000 you can choose to repay the loan within 3, 6 or 12 months. To ensure loans are affordable, larger loan amounts are offered repayment terms up to a maximum length of 36 months.

However, the amount of interest paid overall will be influenced by the repayment length. A loan of £1,000 which is repaid in 12 months, is likely to cost more overall than the same amount repaid across 3 months. Our aim is to ensure your finance terms are as easy to understand as possible, so you can access affordable loans with transparent terms.

How do I apply for an easy loan?

Our application form is designed to gather the key details required in just 2-minutes. Simply provide us with your personal information, income details and your average expenses and we will find you the ideal lender. Your details will be sent across to our panel of lenders who will complete a soft search of your credit file and assess whether the loan is affordable for you. There is no impact on your credit score and the search is only visible to you.

As a credit broker we have partnered with a variety of traditional and alternative lenders, so you have access to a wide range of lenders. We can help you identify the best lender for your financial situation, so you have access to the cash you need quickly, rather than approaching multiple lenders. Instead of completing multiple application forms in the hope of finding a lender, it is possible to complete a single easy form on our website and we will then direct you to the ideal loan provider.

If a lender indicates that they are likely to approve your application, we will direct you to their website to provide the final details. If the lender requires additional information you will be asked to provide the details via their online application form. They will then carry out a single hard check of your credit file, which will provide them with the information they need to fully process your application.

This hard check will leave a footprint on your credit file; however, you will be matched to a lender who has already indicated a strong chance of approval. While no loans are easy to borrow, we aim to make our application process as quick, simple and straightforward as possible, whilst also ensuring we only provide loans which borrowers can comfortably afford to repay.

If you are approved for a loan the funds could be sent to your bank account in just minutes*, although the availability of the cash in your bank account will depend on the processing speeds of your bank. If you decide to accept the loan terms you can easily sign the documents online, although you will be under no-obligation to proceed with the loan.

It is important to ensure that the loan repayments are affordable, as missed payments could cause further financial difficulties. If you are searching for a loan because you are struggling financially, there are several organisations which can help you manage your finances, including The Money Helper, Step Change, PayPlan, National Debtline, the Debt Advice Foundation and Citizens Advice.

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?


Try our FastCheck tool with no impact to your credit score

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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.