One of the biggest requirements for modern loans is that the money is placed into your account as quickly as possible. This is because the need for such loans is often needed in emergency situations. Furthermore, with people living much busier lives, time is always very important. As such, many lenders are offering shorter and shorter pay-out times to better reflect these demands and also make them stand out from the competition. Understanding the importance of speed, we have created a quick loans application process that can be simply followed by everyone and which gives you a decision instantly once you have completed your application.

If your loan is approved, our direct lenders will do everything they can to place the money you need into your account in just 15 minutes*. Not only does this provide you with the funds you need, but also gives you important peace of mind. Such instant loans with no guarantor are now an industry standard. And as such, these loans are now much more competitive than they once were and have the flexibility to give you what you need, fast.

CUJ Loans work with a large panel of lenders who specialise in providing no guarantor loans to people with bad credit. We understand that getting a loan from your bank if you have had a few late payments, is virtually impossible. We help thousands of customers every day who have bad credit find a loan, so rest assured, you are in the right place and we are ready to assist you.

CUJ Loans has developed an ‘Eligibility Checker’ for customers who are unsure whether or not they will be accepted. This is a great tool for those who may have been declined elsewhere. By completing just a few short questions, we can tell you your likelihood of being approved by one of our lenders. This is totally free to use and you are under no obligation to apply.

A major concern for many people when applying for a loan is whether doing so will negatively impact their credit score. Whilst the occasional credit search will not cause you any problems, applying for a lot of credit in a short period of time can definitely cause harm. When you apply for credit, the lender will review your credit report. This will show up to other lenders, so if you have applied multiple times, this does not look good.

At CUJ Loans, we, along with our panel of lenders, use what is called a ‘soft search’. This means that when you apply for a loan through us, we do not impact your credit rating. This ‘soft search’ is not available for other lenders to see and causes you no harm. This means that we can provide you with a decision on your application with the minimum of fuss. Should you be accepted for a loan and decide to proceed, only then will the lender complete a full credit check. Remember there is no such thing as a no credit check loan.

Like all loans, there is always the risk that your application will be turned down. With some brokers and money lenders, this risk is increased due to factors such as bad credit scores, not having a guarantor or being unemployed. However, CUJ Loans specialises in helping to reduce such risks. By offering our ‘Eligibility Checker’ and a panel of carefully selected lenders focusing on providing short term loans to people often struggling to be approved, we can offer a greater number of people access to cash than ever before.

Clearly highlighting our determination to make loans accessible to all, our simplified process and lenders who don’t simply focus on your credit history ensure you have a greater chance than ever before to be approved for a loan. What’s more, you can do all this safe in the knowledge that you won’t be damaging your credit score.