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

Not sure if you'll be accepted?

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Short Term Loan with No Credit or Bad Credit

Apply to borrow £100 to £5,000 today

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.

Short term loan no credit check, can I get one?

CUJ Loans works with a credit broker who is fully authorised and regulated by The Financial Conduct Authority. All companies who provide credit are required by law to complete a credit search. Short term loan providers are no different. While they are able to offer loans for bad credit, they are still required to do the mandatory searches along with all other credit providers. In short, that means there is no such thing as a short term loan with no credit check.

Short term loan with no credit check questions:

Q1 – I have bad credit, will a credit check stop me from being approved?
Q2 – Do CUJ Loans use Soft Search?
Q3 – Which loan company is best for customers with bad credit?
Q4 – Can I apply without damaging my credit score?

Some lenders will not lend to customers with a bad credit rating. We believe that just because you may have experienced some credit problems in the past, it shouldn’t mean you can’t borrow money. Working with a great panel of specialist lenders, our broker partner is well placed to help you find a loan, no matter what your circumstances. Lenders will look at many areas when deciding whether or not to approve a loan application. Credit history is, of course, one of them. In addition to this, lenders will look at your income and expenses to assess your ability to repay the loan. Residential and employment status is also taken into consideration, amongst other things.
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This will not affect your credit score.

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Do CUJ Loans use Soft Search?

As a loan introducer, CUJ Loans does not perform a credit check. Our broker partner works with a panel of lenders to find customers who need to borrow money the best short term loans for their circumstances. All of the lenders that they work with use Soft Search technology, this means that when you apply for a loan through CUJ Loans, it does not have an impact on your credit score. A soft search acts like a background check and is used by lenders when initially assessing an application, this search cannot be seen by other lenders. It is only after you have been approved for a loan and you decide to proceed that the lender will perform a hard search. This is completed with your permission when you are ready to take out the loan. A hard search can be seen by other lenders and multiple hard searches can have an adverse impact on your credit rating.

If you have bad credit and have been declined for credit, knowing where to turn next is a difficult decision. As a loan introducer, CUJ Loans’ broker partner works with a variety of lenders and brokers who specialise in helping customers who have been declined, find affordable credit. By completing an online application, you will get a decision in seconds and if approved, the money could be sent to your bank on the same day*.
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This will not affect your credit score.

If you are looking for bad credit short term loans and have been declined elsewhere, soft search technology is extremely useful as it allows you to apply with the confidence that your credit score is safe from further harm. The soft search is not seen by other lenders so does not count against you. If you decide to proceed with the loan, a hard search is completed at that stage and is visible to other lenders.
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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Apply for £100 - £5,000 in 60 Seconds
Will you be approved?

Will you be approved?

No credit footprint

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

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