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

£100 to £5,000 paid out by 3:48am*

Fast 3 to 36 month loans.

Will you be approved?
  • 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.

Short term loan bad credit, how we help?

Wanting everyone to have the same access to money in times of emergency, we work 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 panel of direct lenders focused on providing short term loans for bad credit, we can help you quickly identify the best and most competitive loan for you. Doing everything we can to help you get the money you need, often in just 15 minutes* of approval. Because the reasons behind the sudden need for such short term loans are often stressful, our application process is short, simple to complete and can be completed online.
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This will not affect your credit score.

Try our No Obligation Eligibility Checker

Get your money by 3:48am

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, we will do everything we 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, we 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.
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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, our ‘Eligibility Checker’ is a great tool. We are able to assess your likelihood of being accepted for a loan before you apply by asking just a few questions. Once you decide to apply, we also 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 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.
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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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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

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Access up to £5,000 today

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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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