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

Not sure if you'll be accepted?

Will you be approved?

Guaranteed payday loans

£100 to £5,000 paid out by 4:28am*

Fast 3 to 36 month loans.

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

Our online Eligibility Checker is free and takes 60 seconds. Find out if you’ll be approved with no credit footprint.

Will you be approved?

Representative APR 49.9%.

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. Loan term lengths from 3 to 36 months. Subject to lender's requirements and approval. *Once approved, your cash could be sent within 15 minutes. The time that it takes for the cash to be received in your account will depend on your bank’s policies and procedures.
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk
CUJ Loans is a registered trading name of Upward Finance Limited which is an Introducer Appointed Representative of Flux Funding Limited, who are a credit broker, not a lender.

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 panel specialise in providing payday loans to customers who may have been declined elsewhere or who have a bad credit rating so we 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 developed 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 direct lenders. While this is not guaranteed, it gives you a good indication of your circumstances as long as you enter your information honestly. Our soft search technology allows you to apply without leaving a footprint on your credit file. We work with a panel of direct lenders and our technology allows us 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.

Get Your Loan Quote
This will not affect your credit score.

If you are suffering from bad credit there are plenty of options for you at CUJ Loans. The panel of lenders that we work 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. While we cannot offer you a guaranteed payday loan, we have accept rates of over 90% which means that we can find loans for most peoples circumstances. With loans from £100 to £5,000 repayable over 3 to 36 months, there are repayment options to suit virtually every budget.

Try our No Obligation Eligibility Checker

Get your money by 4:28am

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 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, we will get a decision from our lenders instantly. If you are accepted, the lender will send the money to your bank account in as little as 15 minutes*. All of our lender partners specialise in providing quick loans to people of all different credit profiles, even those with very bad credit. Unlike a bank, our 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.

Get Your Loan Quote
This will not affect your credit score.
  • 60 Second
    Application
  • Instant Decision
  • No Fees,
    Ever!
  • All Credit Scores
    Considered

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Apply for £100 - £5,000 in 60 Seconds
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No credit footprint

Get your rating in 60 seconds and decide whether or not to proceed with your loan

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

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  • Only takes 2 minutes to complete
  • No impact on your credit score
  • Get an instant, no obligation quote
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