Poor Credit Loans - We can help find you the right loan.

If you have a bad credit history, a poor credit rating, numerous late payments or County Court Judgements, you may struggle to obtain a loan from traditional lenders. However, here at CashFlex we are a loan broker which specialises in finding loans to suit every individuals’ circumstances. By partnering with a variety of lenders across the UK, we can offer poor credit loans.

Am I eligible for poor credit loans?

By working with lenders which can offer poor credit loans. To provide you with loan confidence, we have developed our instant eligibility checker.

The tool will assess your eligibility for our poor credit loans, without the need for a credit check. This means that if your credit rating is already low, it will not be impacted when you use our eligibility tool. The tool will take just 60 seconds to complete and will ask how much you are looking to borrow, how long for, your income and regular outgoings.

As a broker, you only need to complete one loan application, and we will do the work for you by searching our panel of lenders. Sending multiple applications to lenders who carry out a hard credit check, will result in multiple footprints on your credit file. This will have a negative impact and reduce the chances of you obtaining credit.

How do I apply for poor credit loans?

If our eligibility tool shows that you are likely to be accepted for our poor credit loans, the next stage is to complete our online application. Our online application form takes just 2 minutes to complete and the information will be used to match you to the ideal lender. At this stage there will be a soft search of your credit file, which will help us find the lender most likely to approve your poor credit loans.

Every lender on our panel is authorised and regulated, this means they will conduct a full credit check, when your loan reaches the final stage of processing. By partnering with regulated lenders, you can be sure that your loan is provided by a trustworthy, transparent lender.

What are the terms of your poor credit loans?

Through our poor credit loans, we can offer loans of £100 up to a maximum of £5000. There are various repayment options, so you can choose repayment periods of 3, 6, 12, 24 or 36 months. We understand that it can be difficult to find poor credit loans, which is why we are committed to finding you the most competitive lenders with the highest chances of approval.

If you are successful when applying for your poor credit loan, in some cases the lender can release the cash in minutes.** Although, the final availability of the cash will depend on the processing speeds of your bank.

If you are struggling financially, it is important to consider how poor credit loans will impact you. If you are concerned about your finances, there are organisations which can offer free advice, including Step Change and The Money Advice Service.

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 £5,000

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

Our new tool allows you to calculate your chance of being accepted for a loan.

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Representative Example: Amount of credit: £1200 for 18 months at £90.46 per month. Total amount repayable of £1628.28. Interest: £428.28. Interest rate: 49.9% pa (variable). 49.9% APR Representative.

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