Borrow Money - Apply Now With CashFlex

An unexpected expense, such as a broken boiler or urgent home repairs, could leave us running low on funds, especially if our savings don’t quite stretch to cover the cost and we’re weeks away from payday.

If you’re looking to borrow money in the UK, Cashflex could help you search for a suitable loan with no impact to your credit score.*

Who is Cashflex

Cashflex is a credit broker, working with a large panel of trusted and responsible lenders, all of whom are authorised and regulated by the Financial Conduct Authority (FCA).

Based on the information you provide on our straightforward online form, we’re able to scan our panel of lenders for a loan that might be a good match for you. This could save you time and protect your credit score from multiple hard searches.

Where to borrow money online

If you’ve done your research and decided that a loan is a suitable option for you, you might have asked, ‘where can I borrow money?’.

You can use a credit broker, such as Cashflex, to search for a loan, or you can apply directly with a lender.
When you apply directly with a lender, they will be able to check your eligibility for their product only and will carry out a hard search as part of the application process.
A credit broker, on the other hand, can search for a loan from a range of providers without damaging your credit score; this is because we use soft search technology.

You should make sure that any company you apply with appears on the FCA register, which you can view here.

Can I borrow money?

You can use Cashflex to search for a loan if you:

• Are over the age of 18;
• Are a UK resident;
• Have a UK bank account with a valid debit card; and
• Have a regular source of income paid into your bank account

How much money can I borrow?

With Cashflex, you can search for a loan from £100 to £10,000.
You should never apply to borrow more money than you need or can afford to repay.

How long can I borrow money for?

Depending on the amount of money you apply to borrow, you can repay your loan across a term between 3 and 60 months.

What is the cost of borrowing?

The annual percentage rate (APR) reflects the overall cost of borrowing, including interest and any standard account fees. The lower the APR, the less you’ll pay to borrow the money.

Please be aware that APR does not include any additional fees you may be charged, such as a late repayment charge.

Borrow money with bad credit

Are you worried that bad credit will negatively affect your chances of getting approved to borrow money?
While poor credit might limit your borrowing options, Cashflex works with several lenders who are willing to consider applications from people with lower credit scores.

However, before you apply to borrow money with bad credit, you should bear in mind that a bad credit loan could come with a higher interest rate, and it might not be possible to borrow as much money as you need.

Borrow money with no credit

Having no credit history – also known as having a ‘thin’ credit file – is common in people who have never paid bills or borrowed money before.
A thin credit file might reduce your chances of being approved to borrow money, as lenders could see you as a risk. This is because they have no previous examples of how you’ve managed credit.

Several of the lenders on the Cashflex panel specialise in loans for people with thin credit files, although again, you should bear in mind that if you are accepted, you might be offered a higher interest rate.

How can I borrow money and get it as soon as possible?

There is no way to rush a loan application.
All authorised and regulated lenders in the UK are required to carry out affordability checks on each person who applies to borrow money. While you cannot speed up the application process, there are things you can do to make sure the journey is as straightforward as possible.

• Before you apply to borrow money, you may wish to have certain information and documents to hand, such as your three-year address history, bank details, and ID.


• Do your research. When you need to borrow money in a hurry to cover an emergency expense, it can be easy to panic and apply for the first loan you see, but this might not necessarily be the most suitable option for you. Using a credit broker like Cashflex could help you search for a loan to suit your personal financial situation.


• Read through the application carefully and answer each question to the best of your knowledge. Entering incorrect information could result in processing delays further down the line.

How to borrow money quickly in the UK

As we talked about in the section above, affordability checks are in place to protect you and cannot be rushed.

Here at Cashflex, we understand that a financial crisis can be worrying, which is why our application process has been designed to be as simple as possible. The Cashflex online form can be completed in around 5 minutes, and once you’ve pressed submit, we’re able to run a soft search and scan our panel of lenders in just 60 seconds.

If successful, some of the lenders on the Cashflex panel can send your money on the same day as your application is approved; however, the time it takes for the money to appear in your bank account will depend on your bank’s policies and procedures.

I can no longer afford my loan; what can I do?

If you’re struggling to make your monthly repayments, you should get in touch with your lender. There may be things they can do to help relieve some of the financial pressure while you get back on track.

I’m worried about money; where can I get advice?

Free, impartial, confidential money and debt management advice can be accessed through various charities and organisations, including StepChange, MoneyHelper, Citizens Advice, and National Debtline.

*Cashflex uses soft search technology, with no impact to your credit score. If you’re matched with a lender and choose to make a full application, you will be required to undergo a hard search. A hard search will remain visible on your credit file for up to 12 months, and multiple hard searches within a short period of time could have a negative effect on your credit score.

Some of the lenders we work with use Open Banking as part of their application process. Open Banking allows you to safely share your recent banking information with your lender, so they have a more up to date picture of your financial circumstances.