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

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Instant loan decision

£100 to £5,000 paid out by 4:49am*

Fast 3 to 36 month loans.

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  • 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.

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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.

Instant loans, How much can I borrow?

If you need access to an instant loan, we are here to help. CUJ Loans has a panel of over 40 direct lenders which means that we can offer a great variety of short term loans. You can apply for between £100 and £5,000. The amount you will be able to borrow will be dependant on your own personal circumstances and your ability to make the repayments. We offer repayment periods between 3 and 36 months, so we can find the most suitable instant cash loan for most circumstances. That flexibility makes getting an instant cash loan through CUJ Loans a really simple process and you can tailor the repayments to fit your budget.

Instant payday loan questions:

Q1 – Will I get an Instant decision on my payday loan application?
Q2 – Can I still be approved for an instant loan with a low credit score?
Q3 – Can I get an instant loan with no credit check?
Q4 – Do CUJ Loans charge for their service?

If you need to borrow money for a short period of time, an instant decision payday loan could be just the thing for you. By completing our online application form we can get a decision back from our instant payday loans providers straight away. You can decide to pay the loan back when you next get paid or spread the repayments over a few months to keep the repayments lower. Remember the longer the repayment period, the more interest you will pay. If you have a bad credit rating you may still be eligible for an instant loan online.
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This will not affect your credit score.

Having a bad credit rating previously would have made it extremely difficult to be approved for an instant loan. The good news is that nowadays, there a lot of lenders in the UK that are willing to allow customers to borrow money instantly, even if they have had credit problems in the past. So if you are looking for an instant loan with bad credit, our direct lenders may be able to help you today.

All lenders in the UK have to be authorised and regulated by The Financial Conduct Authority to provide instant loans. That means that due to FCA regulations, all lenders have to complete a credit check before approving a customer for a loan. The direct lenders on our panel all use soft search technology, so you can apply for a loan through CUJ Loans without damaging your credit score in any way. It is only if you accept an instant loan offer that the lender will complete a full credit check as well as affordability and employment checks.

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Get your money by 4:49am

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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How quickly will I receive my loan?

The great thing about instant loans isn’t just how easy it is to apply, or the fact that you will get an instant decision, but once you have been approved for a loan, the lender will usually be able to send you the money within 15 minutes*. This allows you to deal with any unexpected situations straight away and get on with living your life. You can use an instant loan for virtually any purpose so if you have a sudden emergency that means you need instant cash, we can search our panel of lenders to get you the best deal for your circumstances.

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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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Will you be approved?

No credit footprint

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

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  • No impact on your credit score
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