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?

Can you tell me if I will be approved before I apply?

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.

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This will not affect your credit score.

I have a bad credit rating, what are my options?

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.

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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, 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.

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This will not affect your credit score.