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

Quick Loans – Apply For A Loan Quickly

Life's little emergencies usually come at a cost. Whether it's the repair bill for a broken-down car, a last-minute boiler replacement, or just a top-up to tide you over for a while, there's always something that needs to be paid for.

Quick loans offer a convenient way to deal with the everyday financial challenges you may face. They're a short-term solution that may suit you more than a long-term loan from a traditional lender.

CashFlex makes it easy to apply for a quick loan, leaving you with more time to get on with the things that matter.

What is a quick loan?

Quick loans are a short-term finance solution. They're a form of personal credit that could provide you with fast access to cash in an emergency.

You may hear these lending products described as a quick cash loan or even an instant loan. These names come from the fact that lenders make the loan application process easy, and often pay money into the borrower's account just moments after they're accepted.

What are the different types of quick loans?

There are a variety of different credit products that fall under the banner of 'quick loans'. Some of the most common varieties are:

Short-term loans

Short-term loans are designed to provide borrowers with quick access to money that they then repay over a short space of time. These loans are generally for a smaller amount than longer-term borrowing from a bank or building society, and they can be settled over a number of monthly repayments.

The convenient loans offered by the direct lenders on our panel mostly fall into this category.

Payday loans

Payday loans are designed to tide borrowers over until they next get paid. They have picked up a bad reputation over the years, in part because they are often associated with high rates of interest and substantial late payment fees.

Cash loans

A cash loan is simply another way to describe short-term borrowing. Cash loans generally require a borrower to repay the amount they borrow plus any fees or interest accumulated against that amount over several months.

What do I need to apply?

To apply, you'll need to have a regular source of income that's enough to cover the costs of your repayments. You'll also need to be 18 or over, and have a valid UK bank account with a debit card.

Applying for a loan through CashFlex is easy. Simply fill out our two-minute online application form and we'll calculate your chances of being accepted.

How quickly can I receive the money?

If your application is accepted, money could be paid into your account in a matter of minutes.

The time it takes for money to be received into your account depends on the policies and processes of the individual lender and those of your own bank. Sometimes your bank might delay the funds due to bank holidays, technical issues and internal processes.

What can I use the money for?

How you use the money is up to you, but it's always important to manage your money carefully and only to borrow what you can afford to pay back.

There are all sorts of reasons why you might want to apply for a short-term loan. Often people use this kind of credit to help them to cope with unexpected costs and financial emergencies, including:

  • Unexpected bills
  • Urgent home repairs
  • Replacing white goods
  • Contributing to the costs of a funeral
  • Paying to repair a vehicle after a breakdown
  • Covering costs during a cash emergency

What are the best ways to use a quick loan?

As we've mentioned, quick loans can be particularly helpful when you're hit with an unexpected cost or are facing a minor short-term emergency.

They work best if you need them to get your car fixed in case it’s broken and you need it for work, or if an appliance has broken down and you need it fixed as soon as possible.

While this form of finance could help to get you out of a bind, quick loans aren't suitable for every situation. Amongst other things, it isn't usually advisable to take out a short-term loan to:

  • repay other forms of credit;
  • to cover the costs of your regular utility bills; or
  • to pay a debt collection company.

It's important to consider the impact of further borrowing if you're concerned about your financial situation and are struggling to pay off any existing debts. The organisations listed below can provide free and impartial advice to those who find themselves with financial difficulties:

  • moneyhelper.org.uk
  • stepchange.org
  • nationaldebtline.org

How much can I borrow?

CashFlex allows you to apply for loans of between £100 and £5,000, with repayment terms that range between 3 to 36 months.

These are flexible loans, and you can choose how much you want to apply for. Loans of less than £1,000 must be paid back within 12 months or less, while you can select a longer loan repayment term for higher amounts of borrowing.

What are the benefits of applying with CashFlex?

CashFlex makes it easier to apply for a quick loan that could be paid out in just minutes.* As a reputable online credit broker, we work with an extensive panel of lenders to ensure that our customers can find the short-term finance solution that's right for them.

Our simple application process takes just a few minutes and only involves a soft credit search. This means that you can get an indication of whether you qualify for a loan with one of our direct lenders without damaging your credit rating.

Can I get a quick loan with bad credit?

Yes, it might be possible to get approved for a loan with bad credit. Unlike some more traditional financial providers, the short-term lenders on our panel are more willing to approve loan applications from those with a less than perfect credit score.

The lenders we work with are often willing to look beyond the contents of your credit report and want to know more about your current financial situation. They're committed to responsible lending, so what matters most is whether you can pass their affordability checks and keep up with monthly payments.

What if I have no credit history?

Our lenders consider applications from borrowers with a bad credit history, and even with no credit record at all.

You might still be able to get approved even if you don't have a credit history. We work closely with direct lenders to help applicants get approved, and what's most important is whether your current circumstances will allow you to repay your loan in the here and now.

Do I need a guarantor?

Not necessarily, no. While some companies do offer guarantor finance, many of the short-term lenders on our panel are willing to accept applicants for no guarantor loans.

If you're approved for a loan without a guarantor, you'll be responsible for any late repayment of your regular or monthly instalments. This makes it even more important for you to pass an affordability assessment to ensure that you have enough regular income to repay your personal loan.

Can I get a quick loan with no credit check?

In short – no, you can’t get a loan without a credit check. The Financial Conduct Authority (FCA) requires all authorised and regulated lenders/finance providers to conduct credit checks on applicants to ensure that they can afford the credit they're taking out.

Every responsible lender will therefore conduct a credit check as part of the online loan application process.

CashFlex can help if you're concerned about these hard searches harming your rating. We use 'soft' credit checks to determine the eligibility of borrowers, and a full credit search will only be carried out if you choose to complete a full application with a lender from our panel.

Are these loans guaranteed?

No - there's no such thing as a guaranteed loan since responsible lenders have to conduct a credit check on all applicants under FCA regulations.

While this can be frustrating, the lenders on our panel are even willing to consider applicants with a poor credit history, provided the loan is affordable for them given their current financial circumstances.

What if I change my mind?

Under the Consumer Credit Act, all borrowers have 14 days to withdraw from a loan agreement. Once your application has been approved by a lender from our panel, you'll need to deal directly with them if you wish to cancel.

How do I repay my loan?

There are several ways to repay a quick loan, but most borrowers tend to make payments directly using their debit card, or by agreeing to a Continuous Payment Authority (CPA). Also known as recurring payments, a CPA will allow the lender to deduct funds from your current account automatically as they fall due.

Is this the same as a payday loan?

No - unlike payday loans, the short-term personal finance offered by the lenders from our panel is usually repayable over a longer period. This means you won't be left scrabbling for extra cash when payday comes around.

With flexible repayment terms and a focus on responsible lending practices, we're proud to match borrowers with personal credit that's different from the quick payday loans of the past.

CashFlex - The Easy Way to Get a Quick Loan

As a reputable online credit broker, we pride ourselves on helping borrowers to access the money they need all whilst providing the highest standards of customer service.

Drawing on close relationships with some of the UK's largest short-term lenders, we've made it easier for you to apply for fast loans that could get paid into your account just moments after approval.

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 £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.