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There are many situations that force people to borrow quick cash, with text loans being a popular option. Here at CashFlex, we do not offer text loans, but we do offer a quick online application process, which can be completed from your mobile, tablet or PC. This flexibility means you can apply wherever you are, with the whole process taking just 2 minutes.

What are text loans?

Some lenders provide text loans, which include an application that is completed entirely by text message. They are designed to be convenient, quick and easily accessible. As one of the leading brokers, we are also committed to offering a fast and accessible application process. In fact, if you are approved, the cash could be sent in minutes**. Although, the availability of the funds will depend on the speed of your bank.

What is the alternative to text loans?

Our quick loans are an ideal alternative to text loans, not only are they fast, we can also let you know whether you are likely to be approved before completing an application. Our 60-second eligibility tool will ask a few key questions and provide an instant loan confidence result.

Here at CashFlex, our lenders consider the affordability of the loan and your credit rating, when making their decision. To be eligible for a CashFlex loan you will need to be a UK resident in receipt of a regular income. Your salary should be paid into your bank account and you should hold a debit card.

Through our lenders, we are able to offer finance of just £100 through to larger amounts of £5000. For amounts of less than £1000, you can choose repayment terms of 3 months up to 36 months. Although, if you borrow more than £1000, the minimum repayment term is 12 months.

This means instead of applying for a text loan with unfavourable terms, it is possible to apply for a flexible loan that suits your individual requirements.

How do I apply for a CashFlex loan?

Our loans are designed to be as simple as possible. All you need to do is visit our website via any device and complete a single application form. We will then approach our panel of lenders who will conduct a soft search of your credit file. By searching a variety of lenders, you benefit from the best rates and the highest chance of approval. It also means you only need to complete one application form, instead of obtaining quotes from multiple lenders.

If you choose to accept the best quote, the lender will then need to carry out a full credit check. As with all finance, you should be cautious before applying and consider the impact it will have on your finances. If you would like to discuss your finances with an impartial organisation before applying, Step Change and The Money Advice Service will offer free 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?


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.