Fast Cash Advances for All Credit Types – Apply in Minutes!
Don’t let a bad credit score be a barrier to getting the cash you need today. We put you in control with flexible loan options designed for real people facing real financial challenges.
Get up to £5,000 deposited in your bank TODAY!
- Quick 2-minute application – no paperwork hassle
- Same day funding – cash when you really need it
- All credit scores welcome – bad credit? That’s ok!
- Flexible repayment terms – 3 to 36 months
- Trusted UK lender network – FCA regulated for your protection
We Make Borrowing Simple – 3 Easy Steps
| 1. Complete Our Quick Form | 2. Get Instant Decision | 3. Cash in Your Ban |
|---|---|---|
| Enter your details and tell us how much you need. It takes just 2 minutes! | Our smart technology matches you with the right lenders instantly – no waiting around! | Approved? Get money in your account the same day – sometimes within minutes! |
Bad Credit? We Still Want to Help You!
All credit is considered, don’t let a bad credit score be a barrier. We work with specialist lenders who look beyond your credit history to get you the cash you need.
We understand that life happens. Missed payments, CCJs, or defaults in your past don’t have to stop you getting help today.
Loan Options for Every Situation
Quick Cash Loans
- £100 to £1,000
- 3-12 month terms
- Same day deposit
- Representative 225% APR. Representative example: £400 repaid over 3 monthly instalments of £186.18. Total charge for credit £558.55. Interest £158.55. Interest rate 225% (fixed)
Larger Loans
- £1,000 to £5,000
- 12-36 month terms
- Competitive rates
- APR rates range from 45.3% APR to 1575% Max APR. Your APR rate will be based on your circumstances.
Questions About Bad Credit Loans
Can I get a loan with bad credit?
Yes! We work with lenders who specialise in bad credit loans. Your credit is an important factor when a lender is looking at your details but your affordability is also important. We help find lenders willing to work with various credit histories.
How quickly can I get the money?
Need Cash Fast? Most of our customers receive funds the same day after approval – sometimes within minutes! We keep borrowing for any reason simple, with our 3 stage process designed for speed.
Will applying impact my credit score?
When we first submit your details to our panel of lenders, most will only perform a soft search which doesn’t affect your credit score. Only when you choose to proceed with a specific offer will a full credit check be made.
What do I need to qualify?
To apply for our loans you need to be:
- UK resident for at least 3 years
- 18 years or older
- Have a regular income
- Have a UK bank account with a debit card
How is loan affordability assessed?
Lenders will look at the difference between your income and your outgoings, which gives your ‘disposable income’. Affordability is around being able to make the cash loan repayments. If you are unable to afford the repayments, you will not be offered the loan. Even if you have a really good credit score.
Why Choose Us For Your Bad Credit Loan?
When you find ‘I Need Cash’, don’t feel there is no help, or it will slow your life down. We’re here to provide quick financial solutions even if you’ve been refused elsewhere.
- No upfront fees – always free to apply
- FCA regulated lenders – giving you peace of mind
- High approval rates – designed for bad credit
- Transparent terms – no hidden charges or small print
- Dedicated UK support – we’re here to help when you need us
Getting you the right financial support, to keep you financially fluid is the core of our ethic.
Important Information
A short-term, payday loan should be used for short-term financial needs only, not as a long-term financial solution. We want to hear from you with any comments you may have, as we want to ensure we offer our customers the best service.
Representative 225% APR. Representative example: £400 repaid over 3 monthly instalments of £186.18. Total charge for credit £558.55. Interest £158.55. Interest rate 225% (fixed).
