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

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Do you need a loan now?

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?

Representative 49% APR.

Representative example: Amount of credit: £1000 for 12 months at £107.07 per month. Total amount repayable of £1284.82 Interest: £284.82. Interest rate: 49% pa (fixed). Representative 49% APR. Rates between 9.3% APR and 1721% 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.

I need money now

If you are in the situation where you need money now, you don’t want to be bogged down in lengthy applications or have to fill in lots of paperwork. CUJ Loans has a really simple application process, where you do not have to send any paperwork at all. Our broker partner’s direct lender panel understand that you may need money fast and our partners have developed great loans for you that you can receive the same day*. Unlike banks or building societies, we do not have branches so we never close. We are available 24 hours a day, 365 days a year, so no matter when you need to borrow money we will always be available to you.

Quick loan questions:

Q1 – I need money now but have bad credit, can CUJ Loans help me?
Q2 – How much can I borrow?
Q3 – Do CUJ Loans charge any fees?
Q4 – What information do you need?

If you have bad credit, don’t worry, you are in the right place. Our partner works with lenders who look beyond just your credit history. If you can show that you can afford your repayments, they may still be able to help you. If you need money fast, that is what our broker partner specialises in. Apply, get an instant decision, if accepted get the money on the same day*. Lenders use soft search technology which means you can apply without damaging your credit rating.
Get Your Loan Quote
This will not affect your credit score.

When you apply for a short term loan through CUJ Loans, you can choose to apply for any amount between £100 and £5,000. To help customers budget their monthly repayments, you can borrow over a term of 3 to 36 months. This gives customers a great level of flexibility to ensure that the monthly payments on the loan are as manageable as possible and that we can cater to most people’s budgets. The direct lenders on our broker partners panel will allow you to borrow for virtually any purpose, so if you are looking to consolidate debts, need extra cash to cover an emergency situation or if you want to make a large purchase, a loan through CUJ Loans could fit the bill for you. When you apply for a short term loan through CUJ Loans you will get an instant decision from a panel of direct lenders that won’t have any impact on your credit file, as all of the lenders use soft search technology to allow our partner to search for the best loan for you. Once you have been accepted by one of their lenders, they will send the money to your bank account.

Absolutely not. CUJ Loans never charge customers a fee for using our service. As a loan introducer, it is our broker partner’s job to find customers the best loan for their circumstances. If you are accepted for a loan, the lenders will pay us a commission for introducing you. This does not cost you anything.
Get Your Loan Quote
This will not affect your credit score.

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.

Eligibility Check

What information do you need?

When you apply for a loan, we will ask you for some information about you, your employment status and your financial situation. The application process is really streamlined and designed to get you a decision and the funds you need as quickly as possible. All of the information that we ask you for is solely for the use of getting you a decision on your loan as quickly as we can. We don’t believe in asking a question that we don’t need to ask. We may need to ask some contact information to verify your identity as well as your bank account information. This information is not stored.

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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