Loans for people who are unemployed

Loans from £100 to £5,000

3 to 36 month terms.

  • 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.

Will you be approved?

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.

I am unemployed, can I get a loan?

Most lenders, such as your bank will require that you are in employment, with a regular income to approve you for a short term loan. There are some lenders, however, that still consider applications if the customer can prove they are able to afford the repayments. If you are in receipt of regular, guaranteed benefits, or a pension, you may still be able to take out a loan. You can apply for short term loans for unemployed people right here at CUJ Loans and our broker partner will try and find the right loan for you. There are no fees or obligation. However, if you aren’t in receipt of guaranteed, regular benefits it is best to not apply.

If you have a bad credit rating, finding a lender to approve you can be quite difficult. At CUJ Loans, our partner works with a wide variety of direct lenders who specialise in providing bad credit loans. These lenders will look at your ability to repay the loan, not just your credit rating.

Try the No Obligation Eligibility Checker

Get your money the same day

Find out your chances of being approved for a loan, without leaving a footprint on your credit file. Totally free and no obligation to apply.

Eligibility Check

I receive Disability Living Allowance

If you are disabled, and therefore unable to work, you may be in receipt of DLA, or a similar type of benefit. Most lenders will look at this as a permanent income, and consider you for a short term loan. You can apply quickly and easily from your mobile phone, tablet or computer and get an instant decision on your application.

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

Your Loan Starts Here

Apply for £100 - £5,000 in 60 Seconds
  • 60 Second
    Application
  • Instant Decision
    Online
  • No Fees,
    Ever!
  • All Credit Scores
    Considered

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  • No impact on your credit score
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