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

Not sure if you'll be accepted?

Will you be approved?

Guaranteed Payday Loans

£50 to £5000 paid out by 6:59am*

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.

Can you get a guaranteed payday loan?

When looking for a loan, it is natural to focus on those advertising the highest likelihood of being approved, such as guaranteed payday loans. Unfortunately, the truth is not as clear-cut. This means that whilst most lenders will do everything they can to help you get a loan, there are still various criteria that must be met before your application is approved. This includes passing a legally-required credit check. As such, whilst you may see advertisements for guaranteed payday loans by lenders or brokers, they are not being entirely truthful with you.

Guaranteed payday loan questions:

Q1 – Can CUJ Loans help me get a loan?
Q2 – Can I apply for a guaranteed payday loan with no credit check?
Q3 – Are there any payday lenders that don’t credit check?
Q4 – Do CUJ Loans charge for their service?

Thankfully, there are options for people wanting to increase their chances of getting the loan they need. Therefore, whilst we may not offer a guaranteed payday loan, we guarantee to do everything we can to ensure your loan gets approved. Firstly, we will use the information you provide us to compile a list of the most appropriate lenders and loans matching your specific requirements. This includes highlighting those lenders most likely to approve your application. When you have decided which lender is the most suitable, your application will be processed incredibly fast. Once fully approved, the money will often be in your account in approximately 15 minutes*.
Get Your Loan Quote
This will not affect your credit score.

Try our No Obligation Eligibility Checker

Get your money by 6:59am

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

Understanding that people with >bad credit still require loans in times of emergency, we will do everything we can to help you get the money you need. However, this does not mean that we will claim to offer guaranteed payday loans for people with bad credit in the UK just to get your attention. Whilst our lenders specifically look at helping people with poor credit, there is, of course, no guarantee that you will be approved. Also, all lenders are legally required to perform a credit check.

Your Loan Starts Here

Apply for £100 - £5,000 in 60 Seconds
Will you be approved?

Payday lenders are able to approve applications extremely quickly and pay out loans just as quick, however, it is an FCA requirement that all lenders perform a credit check on an applicant, as well as perform affordability checks to make sure that the customer is able to make the repayments without putting them into financial hardship.
Get Your Loan Quote
This will not affect your credit score.

What we do to increase your chances of getting the money is enable you to check which lenders are most likely to say yes before you apply. Therefore, whilst we cannot offer bad credit payday loans with guaranteed approval, we can ensure that you have the very best choice of lenders to choose from and also the best opportunity of being approved before you even apply.

By making the process as simple as possible, and helping you get in touch with lenders who strive to offer loans to people with bad credit, an incredible 95% of everyone who comes to us looking for a loan and completes the application process are approved. This figure is even more remarkable when taking into account we seek to help those who traditionally struggle to be approved for such loans. As a broker, we do not charge for our services; helping to ensure you repay the least amount possible. Regulated by the FCA, we are a fully-licensed money broker. As such, you can rest assured that we only recommend money lenders that are licensed and reputable.

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

Your Loan Starts Here

Apply for £100 - £5,000 in 60 Seconds
Will you be approved?

Will you be approved?

No credit footprint

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

Check Now

Apply for a Loan Instantly

Access up to £5,000 today

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

Hold up, before you go...

Have you tried our FREE Eligibility Checker?

  • Only takes 2 minutes to complete
  • No impact on your credit score
  • Get an instant, no obligation quote
Try it nowNo Thanks, I'm Good
Hold up, before you go..