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Many people search for easy payday loans in the hope of finding simple cash advances, with a high chance of approval. A payday loan is designed to provide small loans of just enough money to tide the borrower over until their next payday. Although there are lenders which offer easy application processes and high acceptance rates. Loans with an easy, guaranteed approval do not exist.

Who can borrow easy payday loans?

Payday loans are available to bridge the finance gap in many situations, from holidays and major purchases to unexpected bills and car repairs. Many people who search for easy payday loans struggle with borrowing through traditional forms of credit, such as bank loans and overdrafts, due to poor credit histories. The speed of payday loans also appeals to many borrowers, with lenders offering online applications and quick processing.

Unlike banks and building societies, when you borrow a payday loan it is completely up to you how you spend the cash and you do not need to prove what the loan is for. Although many payday loan applications are designed to be quick and easy, all reputable lenders will conduct a credit check and assess the affordability of the loan. There is no such thing as an easy approval process, however, there are lenders which are willing to consider a wide range of applicants if the loan repayments are comfortably affordable and their eligibility criteria are met.

Can I get an easy payday loan with a bad credit rating?

Although you may not be approved for a loan from a traditional bank or building society, payday lenders may consider applications from those with a bad credit rating. Your credit rating is important; however many lenders may also consider your current financial status and ability to make the loan repayments. If you can demonstrate that you have been budgeting well and paying bills on time, the lender could be more willing to consider your loan.

Although your application may be considered if you have a poor credit history, you will need to meet basic eligibility criteria. The majority of lenders will only consider lending to those over the age of 18 with a regular source of income. You will also need to be a UK resident with a UK bank account, as your loan and any repayments will be sent to this account.

How do I apply for easy payday loans?

Many payday lenders understand how important it is to be able to access convenient loans, so their application processes are designed to be quick and simple. All lenders which are authorised and regulated by the Financial Conduct Authority are required to offer responsible, transparent and honest loans. While they may not offer easy loans, these lenders will conduct the appropriate affordability checks, which could help you avoid borrowing more than you can afford to repay.

There are many lenders which offer easy online application forms, which can take just minutes to complete. Simply enter your personal information, loan requirements and financial details into the online form and the lender will assess your application. Each time you make an application the lender will complete a hard credit check, which will leave a footprint on your credit file.

How can CashFlex help?

Here at CashFlex we operate as a loan broker and we are committed to helping borrowers find loans with easy application processes, transparent terms and competitive rates. Although it is not possible to apply for payday loans through our website, our alternative and traditional lenders offer loans of £100 up to a maximum of £5,000. Unlike payday loans which need to be repaid on your next payday, our lenders offer loans with terms starting from 3 months to 3 years, depending on the amount you wish to borrow.

For example, if you borrow less than £1,000, our lenders offer repayment periods of 3, 6 and 12 months. If you choose to borrow £1,000 or more, you will be able to spread the repayments over periods of up to 12, 18, 24 or 36 months. A longer repayment term will result in smaller monthly payments; however, you may pay more in interest overall. Instead of applying to several lenders directly to search for the best loan quote, when you complete our online loan application, we match you to a lender which offers loan to suit your requirements. We do not charge borrowers any fees for helping to find a loan, we simply direct you towards a lender which offers loans which match your requirements.

Your application is sent across to up to 40 lenders who will complete a soft search of your credit file and calculate whether the loan is affordable. We can’t guarantee easy loans, but we have partnered with a variety of lenders which may be willing to offer loans to those with a poor credit history if they believe the repayments are affordable. If a lender indicates that you meet their eligibility criteria, we will redirect you to their website to finalise the application, although there is no obligation to proceed. At this stage, the lender will complete a single hard credit check of your file, which will leave a footprint on your report.

The whole process is designed to be as easy as possible, so you will be able to check the terms of the loan and sign your agreement online. Once processed the funds can be sent to your bank account in just minutes*, although the availability time will depend on your individual bank. Although our loans are designed to be quick and easy to apply for, it is important you carefully consider the implications before applying. You need to be sure that you can afford the repayments, as missed payments will lead to further fees and will negatively impact your credit score. If you would like to discuss your financial options with a free and impartial organisation, there are several available including The Money Helper, 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?


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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.