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

If you are searching for competitive personal loans, we can help. We specialise in providing unsecured personal loans of £100 to £5000, with flexible repayment terms of 3 months up to 36 months.

What are personal loans?

Personal loans are a popular form of borrowing, as they offer fixed money repayments that are spread across a fixed period of time. In most situations, personal loans are awarded to those looking to borrow a larger sum of money, with repayments spread across more than 1 year.

If you are looking for a small amount which will be repaid in 3, 6 or 12 months, a short-term loan would be more suitable. Whether you choose to apply for a personal or short-term loan, we can guide you through the quick and easy application process.

The interest rate will usually be determined by your financial situation and credit history. The lower the risk you represent to a lender, the lower your repayments will be. We are committed to finding every applicant a loan, so even if you have struggled to find personal loans due to a poor credit rating, we may still be able to help.

How do I apply for a personal loan?

We believe that you should know which lenders are likely to approve your personal loan application before you spend time applying. Here at CashFlex, we act as a loan broker and have partnered with a wide range of lenders which specialise in personal loans for every situation.

To provide you with an insight into the chance of your loan being approved we have developed our innovative FastCheck tool. The tool will ask a series of quick questions and in just 60 seconds you will know whether you are likely to be approved by our lenders.

At this stage, there is no impact on your credit file, but if you decide to proceed with your loan application, a soft search will be carried out on your file. This will help us to match you to a lender which is able to provide the lowest APR for your financial situation.

If you decide to proceed with your loan, once your application is passed across to the lender, they will perform their own checks, which will include a hard search on your credit file.

Will personal loans be the right option for me?

If you are looking to borrow money quickly, our lenders are able to offer personal loans which could be released in minutes**. So, if you have an emergency bill or need to make an essential purchase that requires access to cash quickly, we can provide the ideal option.

If you find yourself struggling financially, it is important to consider whether a personal loan is the right option for you. If you fall into arrears your credit history may be impacted which could affect your financial situation. Before taking out a loan there are a variety of free organisations which can offer impartial advice, these include The Money Advice Service and Step Change.

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.