**Warning**: Late repayment can cause you serious money problems. For help moneyhelper.org.uk | **Representative APR: 49.9.%** | CUJ Loans is a registered trading name of Upward Finance Ltd who is an introducer appointed representative of Flux Funding Limited, who are a full authorised credit broker, not a lender.
Warning: Late repayment can cause you serious money problems. For help moneyhelper.org.uk

Payday loans, Can they be Guaranteed?

£100 to £5,000 loans without a guarantor

3 to 36 month loans.

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Representative 49% APR.

Representative Example: £1200 borrowed for 18 months. Total amount repayable £1628.28 in 18 monthly instalments of £90.46. Total Interest £428.28. Interest Rate 49.9.% pa (variable). Rates between 9.3% APR and 1294% 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.

Is there such a thing as a guaranteed loan?

In short, No. It is impossible to guarantee that a customer will be accepted for a loan, as all lenders, including payday loan providers, will be required to complete a credit check and other affordability checks before being able to approve a customer for a loan. It is not possible to offer a guaranteed payday loan before the lender has seen an application from a customer. Many lenders on our partner’s panel of lenders specialise in providing payday loans to customers who may have been declined elsewhere or who have a bad credit rating so they are well placed to help you, no matter what your circumstances.

Guaranteed payday loan questions:

Q1 – Is there such a thing as a guaranteed loan?
Q2 – Can you tell me if I will be approved before I apply?
Q3 – I have a bad credit rating, what are my options?
Q4 – I need a loan straight away, can CUJ Loans help me?

CUJ Loans has a free, no-obligation Eligibility Checker. This is designed to give customers an indication of whether they are likely to be accepted for a loan via one of our partner’s direct lenders. While this is not guaranteed, it gives you a good indication of your circumstances as long as you enter your information honestly. Soft search technology allows you to apply without leaving a footprint on your credit file. Our partner works with a panel of direct lenders and our technology allows them to send your application, to the cheapest payday lenders first to make sure we are finding you the best possible payday loan guaranteed.

All direct lenders are authorised and regulated by The Financial Conduct Authority and are required to perform a credit check on any credit application.

If you are suffering from bad credit there are plenty of options for you via CUJ Loans. The panel of lenders that our broker partner works with specialise in providing payday loans to customers who have a bad credit rating but who need to borrow money. The level of bad credit will differ with each lender. It is safe to assume that if you have a very bad credit rating then you will pay a higher amount of interest than someone who may have missed the odd payment. With loans from £100 to £5,000 repayable over 3 to 36 months, there are repayment options to suit virtually every budget.

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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.

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I need a loan straight away, can CUJ Loans help me?

At CUJ Loans, we have streamlined our processes to enable you to apply for a loan on any device, at any time, day or night. When you apply for a payday loan, our broker partner will get a decision from their lenders instantly. If you are accepted, the lender will usually send the money to your bank account on the same day*. All of the lenders on our partner’s panel specialise in providing quick loans to people of all different credit profiles, even those with very bad credit. Unlike a bank, the lenders are available all day, every day, 365 days a year. So if you have an emergency that means you need to borrow money we will always be here to help you.

  • 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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