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

Not sure if you'll be accepted?

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Short term loans for bad credit from safe lenders

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.

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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.

Short term loan bad credit, how we help?

Wanting everyone to have the same access to money in times of emergency, our broker partner works with a large panel of lenders who offer short-term bad credit loans. Most banks and mainstream lenders only lend to customers with a perfect credit rating, meaning those who had experienced some credit problems were unable to obtain credit. Often featuring a small amount of money, short term loans can be repaid back as quickly as three months. As such, they are suitable for people requiring a sudden and small loan that can be repaid in a short period of time.

Short term loans for bad credit questions:

Q1 – Can I get a bad credit loan today?
Q2 – Short term loans, do they need a credit check?
Q3 – I’m worried about being declined, should I still apply?
Q4 – Can CUJ Loans help me find a bad credit loan?

With our broker partner’s panel of direct lenders focused on providing short term loans for bad credit, they can help you quickly identify the best and most competitive loan for you. Doing everything they can to help you get the money you need, often within hours of approval. Because the reasons behind the sudden need for such short term loans are often stressful, the application process is short, simple to complete and can be completed online.
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This will not affect your credit score.

Try the No Obligation Eligibility Checker

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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

Due to the short-term nature of such loans, many people wrongly believe that they do not require a credit check. However, as we have shown, there are no such things as no credit check loans. This means that even bad credit short term loans will be subject to a credit check. To alleviate any concern you may have regarding this, our partner will do everything they can to help you get the money you need when you need it from the most suitable lender. Therefore, even if you have bad credit, they help you find short-term loans that feature attractive repayment periods and competitive interest rates. Of course, the size and length of a loan often influence the chances of you being approved.
Get Your Loan Quote
This will not affect your credit score.

I’m worried about being declined, should I still apply?

If you are worried about being declined for a short-term loan for bad credit, don’t worry you can apply without damaging your credit score. Once you decide to apply, lenders use ‘soft search’ technology, which means there will be no effect on your credit rating.

If you are looking for a short-term loan and have a bad credit history, you will still have an opportunity to be approved and get the money you need. Wanting to give applicants as much freedom as possible, direct lenders are now offering an incredible selection of options, including how much you want to borrow and how long you need to repay it back. From loans designed to be repaid quickly, to those that do not require a guarantor our broker partners’ extensive panel of lenders ensures you will have access to one of the largest selections of short term loans in the UK. Not only does this significantly reduce the time it takes to get the money into your account, but it also increases your chances of being quickly approved.
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?

What do I need to get a Loan with CUJ Loans?

  • Over 18 Years of Age
  • Income over £400 Per month
  • Have a Bank Account with Debit Card
  • Be a UK Resident
  • All Credit Scores Considered
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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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