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

Not sure if you'll be accepted?

Will you be approved?

Guaranteed Payday Loans

Loans between £50 to £5000

3 to 36 month terms.

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

Lenders can check your eligibility in just 60 seconds. Find out if you’ll be approved with no credit footprint.

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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.

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 they may not offer a guaranteed payday loan, our broker partner guarantee to do everything they can to find a suitable lender.
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This will not affect your credit score.

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Understanding that people with >bad credit still require loans in times of emergency, our broker partner will do everything they 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 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.

Whilst they cannot offer bad credit payday loans with guaranteed approval, our broker partner 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.

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

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Access up to £5,000 today

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

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