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

We understand that a bad credit score is not always a reflection of your ability to repay a loan. This is why we specialise in providing people with access to short-term loans, regardless of their credit history. We act as a loan broker and can provide you with access to bad credit short term loans in minutes**.

Which bad credit short term loans are available?

As a credit broker, we can help you navigate the available bad credit short term loans so that you have the best chance of being accepted. We can arrange loans from as little as £100 up to a maximum of £5000, with flexible repayment terms of 3 months to 3 years. This means that you can arrange monthly repayments to suit your specific circumstances.

Will I be approved for bad credit short term loans?

There are a variety of lenders which specialise in offering bad credit short term loans, so if you need access to emergency cash there is likely to be a loan available. The first step in the process is to use our FastCheck tool, which will help you establish whether you are likely to be approved for a loan. There is no impact on your credit score and you will be under no obligation to apply for a loan.

Through our panel of lenders, we are able to find 8 out of 10 applicants a loan. So, if you have been rejected in the past, we may still be able to help. To be eligible for a CashFlex loan, you must be over 18 years of age, a UK resident and have a regular income that is paid directly into your bank account.

How do I apply for bad credit short term loans?

Our application process is designed to be simple, all we need are a few key details that will be used to match you to the ideal bad credit short term loan. These details include your personal information, your employment status, monthly income, regular outgoings and finally your bank details.

This information will be used to search our panel of lenders to find the ideal loan for you. If you decide to proceed with the loan application you will know if you are accepted in just 90 seconds. If successful, the cash could be in your account in minutes**. Although we act as a broker for bad credit short term loans, you will never pay us a fee as our service to you is completely free of charge.

If you have a history of financial difficulties or are struggling to make your repayments, short term loans for bad credit history may not be the ideal solution. Before you take out a loan it is important that you consider whether the repayments are affordable to you. There are various organisations that can offer you free and impartial advice such as, 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?


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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.