Borrow £100 to £5,000
over 3 to 36 months

Not sure if you'll be accepted?

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Instalment loans with instant online decisions

Loans from £100 to £5,000

3 to 36 month terms.

Will you be approved?
  • 60 Second
    Application
  • Instant Decision
    Online
  • No Fees,
    Ever!
  • All Credit Scores
    Considered
Quick Eligibility Check

Lenders can check your eligibility in just 60 seconds. Find out if you’ll be approved with no credit footprint.

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Representative 49% APR.

Representative example: Amount of credit: £1000 for 12 months at £107.07 per month. Total amount repayable of £1284.82 Interest: £284.82. Interest rate: 49% pa (fixed). Representative 49% APR. Rates between 9.3% APR and 1721% APR - your no obligation quote and APR will be based on your personal circumstances. Subject to lender's requirements and approval.


CUJ Loans is a registered trading name of Upward Finance Ltd who is an introducer appointed representative of Flux Funding Limited, who are a credit broker, not a lender.


CUJ Loans provides access to a loan matching service. This site will submit the information you provide to Flux Funding's panel of lenders. All applications will be subject to credit checks and affordability assessments. CUJ Loans and Flux Funding will not perform a credit check, lenders will complete a soft search when assessing your eligibility for a loan. If you accept a lender’s loan offer, they will perform a hard credit search.


Loans between £50 and £5000 over a 3-month to 36-month term.


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

Instalment Loans – Are they a good option?

An instalment loan is a short-term loan that is paid back in multiple repayments, rather than in one lump sum. Instalment loans have become very popular with customers who want to spread the cost of a loan, giving them greater flexibility in how much they could borrow without becoming overstretched. Our broker partner’s panel of lenders offers repayment terms of 3 to 36 months depending on the amount you wish to borrow. If you have been declined by your bank or have bad credit, we may still be able to help.

Instalment loan questions:

Q1 – Are instalment loans available with bad credit?
Q2 – How are instalment loans Different to payday loans?
Q3 – Instalment loans – How much can I borrow?
Q4 – What are the criteria for an instalment loan with CUJ Loans?

Many instalment lenders specialise in providing loans to those who have been declined elsewhere or have a poor credit rating. Our broker partner works with a large panel of direct lenders who specialise in providing instalment loans for bad credit. By completing one quick application, they can find you the best deal and get you an instant decision. Once you are approved the money can be in your account on the same day*
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This will not affect your credit score.

When you take out a payday loan you are usually committing to repay the loan in full on your next payday. This can be quite a challenge as not only do you have to repay the amount that you have borrowed, but also any fees and interest. This can leave the person borrowing the money in quite a difficult position the following month. This can lead to the borrower having to take out another payday loan the following month, beginning a spiral that can be difficult to get out of. Instalment loans, however, enable the borrower to spread the repayments over multiple months. These short-term loans offer a great deal of flexibility and do not leave the borrower in a difficult position, as long as they can afford the monthly repayments.
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This will not affect your credit score.

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Instalment loans – How much can I borrow?

Our instalment lender panel allows you to apply for loans between £100 and £5,000 over 3 to 36 months. This gives you great flexibility in finding a loan that suits your budget. Whether you need a short-term loan for a sudden emergency and want to pay it back quickly, or you want to buy a new car, we will have the right loan for you. You can even use our Eligibility Checker to find out your chances of being approved. Using soft search technology we can get a decision from our panel of direct lenders instantly and give you the access to the quick loan that you need.

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This will not affect your credit score.

You need to be aged 18 or older, be a UK resident, have a valid bank account with a debit card and be employed with a regular income. Some instalment loan companies will accept customers for a loan even with very bad credit so if you have been turned down by an instalment loan lender elsewhere, our broker partner may still be able to help you. As explained previously, all lenders will perform a credit check before accepting you for credit. If you have a bad credit rating, don’t worry, we can search the market for the best online instalment loan for bad credit without damaging your credit file. You only need to make one quick application and our broker partner will do the rest. Their panel bad credit lenders are available to help at any time of the day or night.
Get Your Loan Quote
This will not affect your credit score.
  • 60 Second
    Application
  • Instant Decision
    Online
  • No Fees,
    Ever!
  • All Credit Scores
    Considered

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  • 60 Second
    Application
  • Instant Decision
    Online
  • No Fees,
    Ever!
  • All Credit Scores
    Considered

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