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

Not sure if you'll be accepted?

Will you be approved?

Instant loan decision

Apply to borrow £100 to £5,000 today

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.

Will you be approved?

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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.

Instant loans, How much can I borrow?

If you need access to an instant loan, we are here to help. Our broker partner has a panel of direct lenders which means that they 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 dependent on your own personal circumstances and your ability to make the repayments. Lenders offer repayment periods between 3 and 36 months, so you can find the most suitable instant cash loan for most circumstances. That flexibility makes getting an instant cash loan via 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 our partner can get a decision back from their 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.
Get Your Loan Quote
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 are 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 partner’s direct lender panel 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 broker partner’s panel all use soft search technology, so you can apply for a loan via 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.

Try the No Obligation Eligibility Checker

Get your money the same day

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 on the same day*. 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, our broker partner can search their panel of lenders to get you the best deal for your circumstances.

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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Apply for a Loan Instantly

Access up to £5,000 today

Apply now
  • 60 Second
    Application
  • Instant Decision
    Online
  • 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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