Quick Loans – Apply For A Loan Quickly

If you need money in a hurry, Cashflex could help you search for a suitable option.
Cashflex is a credit broker, working with a panel of over 30 trusted and responsible lenders. You can use Cashflex to search for a personal loan between £100 and £10,000. Any credit score considered, and if approved, your money could be sent today.*

*Each lender will have their own payout timescale. The time it takes for the money to show in your account will depend on your bank’s policies and procedures.

I need money now

An unexpected expense can leave us wondering how we’ll bridge the financial gap.
In this situation, it can be easy to make a rushed decision, but this could harm your finances further down the line.

Before you search for a quick loan, ask yourself if this is really the most suitable option for you at this stage?
A loan is a serious financial commitment, and you must be absolutely certain that you’ll be able to repay the money you’re applying to borrow. Please bear in mind monthly loan repayments will also include interest.
You should never borrow more money than you need or can afford to repay.

What is a quick loan?

A loan that is simple and straightforward to apply for is sometimes called a quick loan. However, it’s very important to understand that when you apply for a financial product, such as a loan or a credit card, there’s an application process. A responsible lender must carry out an affordability check on anyone who applies to borrow credit and this process cannot be hurried.

What’s the quickest way to get a loan in the UK?

As we’ve mentioned, it’s essential to remember that no loans are guaranteed to be quick, although there are things you can do to help make sure that the application procedure is as smooth as possible.

• Ensure that you meet the lender’s eligibility criteria before you apply.


• Know your credit score. Having poor credit won’t necessarily mean that your application will be automatically turned down, although your borrowing options may be limited.


• Fill out the application form carefully to avoid any mistakes.


• Many lenders allow you to apply for a loan at any time of the day or night, although applications and the relevant checks will usually be actioned within typical working hours. You may wish to bear this in mind if you apply at the weekend or on a bank holiday.

Can I get a quick loan with Cashflex?

Searching for a loan with Cashflex is straightforward. You can complete our online form at a time and place that suits you, 24 hours a day, 7 days a week. Our form should take no longer than five minutes to complete, and in just 60 seconds, we’ll use soft search technology to scan our panel of lenders for a suitable match for you.

You’re welcome to search for a loan with Cashflex 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 quickly will I receive the money?

Your money could be sent the same day as your application is approved, although this will depend on the lender. It’s also worth noting that the time it takes for the money to become available in your account will depend on your bank’s policies and procedures.

Will my credit score be affected if I apply for a quick loan?

When you apply for a quick loan – or any other type of loan - the lender will be required to carry out an affordability check. An affordability check will include a hard search or Open Banking. A hard search will remain on your credit file for up to 12 months and multiple hard searches within a short period of time could cause your credit score to decline.

You can try to minimise the number of hard searches on your credit file by using a credit broker, like Cashflex. Cashflex uses soft search technology with no impact to your credit score to scan a panel of lenders for a suitable match.*

Will taking out a quick loan affect my credit score?

Yes; any credit product will have an impact on your credit score.
Making your repayments on time each month and clearing the balance of the loan before the term comes to an end could mean that you notice an improvement in your credit score, although this will also depend on how you’ve managed other credit commitments during that time.

Failing to make or falling behind on your repayments will damage your credit score.

I can’t afford my loan; what should I do?

If you’ve taken out a loan that you’re struggling to repay, you should contact your lender as soon as possible. They will be able to talk you through any options that may be available to help relieve some of the pressure. Every lender is different, but this could include reduced repayments or a temporary repayment holiday.

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

Talking about money can feel uncomfortable at the best of times. When we’re struggling with our finances, it can be all too easy to bury our head in the sand and bottle our worries up.
Please know that whatever you’ve got going on, you don’t have to face it alone. You can access free, confidential money and debt management advice through charities and organisations such as StepChange, MoneyHelper, Citizens Advice, and National Debtline.