Cash Loans and Fast Cash Loans Online

Cash loans, sometimes referred to as ‘fast cash loans’ are online loans provided to cover unexpected and emergency expenses and financial requirements. We are an online, FCA Authorised direct lender of cash loans of up to £1,100 in the UK. We consider all applications, including for those with previous bad credit. Subject to approval, we can fund loans on the same day, or even within the hour.

All of our loans are online and our application process is efficient, straightforward and hassle free, meaning you can apply from the comfort of your home 24/7. We understand that from time to time you may experience cash emergencies such as a broken-down vehicle, unexpected bill or even travel expense.


Many lenders require applicants to apply for larger amounts than they may actually need in the case of cash loans. This can lead to a debt that takes longer to repay, sometimes unnecessarily. We however, allow you to apply for anywhere from £100 to £1,100 and can provide you with an instant decision on your application.

If we can’t offer you the ideal loan for your circumstances, we can pass your application to another lender on our panel to help you secure the loan you need for the emergency at hand.

Apply online today for cash loans of up to £1,100. We can provide same day funding and upon approval, money can be in your account to help get you out of the rut you are in.

Fast Cash Loans for Emergencies

Cash loans are predominantly designed for financial and cash emergencies; they are tailored to be funded quickly upon approval, with funds there to help you fix the issues at hand as soon as possible. Unexpected emergencies happen in life and we understand that there are times when your regular income just will not cover the expenses you need to pay and this is where a fast cash loan could be the answer you need.

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Commonly unexpected emergencies in the UK may be covered by cash loans. Common reasons for a short term loan of this nature may include:

Car Repair Loans – You can never predict when your vehicle is going to break down and not get you from A to B. a cash loan can provide you with the emergency money you need to undertake the immediate repairs for your vehicle to get it back on the road.

House Repair Loans – A leaky roof, a flimsy ceiling or perhaps a broken window, when something untoward happens to your home it is crucial that you get it seen to and repaired quickly. Same day funding of our cash loans means that you could see to the damage in the immediate term by getting emergency repairs. this could provide you with the crucial peace of mind that you and your family are safe and secure.

Boiler Repair Loans – Particularly in the UK during the colder winter months, your boiler is one of the most important aspects of your home. If it breaks down, you will be left without central heating and hot water. A cash loan online may be able to supply you with the emergency money you need to get an engineer out to see to the problem and get your home heated again.

Emergency Travel Loans – If a loved one, or perhaps a close friend is in need or is taken unexpectedly ill, not being able to get to them can be incredibly frustrating. Fast cash loans can supply the immediate funds needed to be able to get to them as soon as possible.

Easy Online Repayments for your Cash Loan

We are a direct lender and so our repayment process is as straightforward as our application process. We will agree the repayment terms with you from the outset of the loan, upon your application. Because there is no guarantor needed for our loans, once approved, you can get the money you need quicker, to help alleviate the issues you may be experiencing. This also means you can start repaying the loan sooner to clear your debt.

You can repay our loans via mobile, tablet or PC; we are also able to arrange with you and your bank or building society to automatically take out the necessary funds when due. This means that shortly after getting paid, you can pay off a portion of the cash loan plus interest over a period of up to 3 months, working towards clearing your debts.

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A Traditional Cash Loans Alternative

Traditionally, cash loans would need to be applied for and received via a high street provider. This would mean endless hours shopping around and going from provider to provider in order to find a suitable cash loan provider in the UK. It also meant that you would need a range of documents in hard copy to be taken from provider to provider, and because different lenders require different documents, applicants may have needed to run home to get various different ones, wasting precious time.

Because all of our loans are applied for online, all we need is some information about you and subject to our checks, you could receive your loan the very same day. As an alternative to traditional cash loans we can provide quick loan decisions upon receiving your application and same day finding to your nominated account.

Advantages of Cash Loans Online

There are various advantages to fast cash loans online, with newer methods of lending allowing us to provide online cash loans to those with bad credit and to people looking for loans without a guarantor. Advantages of these loans include:

  • Easy to apply from home
  • Quick decisions
  • Same day funding
  • Easier to repay
  • No application or upfront fees

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Am I Eligible for a Cash Loan?

We accept all applications from all people, regardless of your credit behaviour in the past or if you have bad credit history. We do have a set of basic criteria however that you should consider before applying online for a cash loan. You should be:

  • A permanent UK Resident
  • Over 18 years old
  • Have regular income [a job]
  • Able to supply us with your personal contact details
  • In possession of a UK bank account
  • Happy to undergo a credit check

Subject to these terms and criteria and upon approval, you could receive quick funding of your desired amount.

When are Quick Cash Loans a Good Idea?

Quick cash loans are designed for emergencies. Therefore, if it is not essential, you should probably not apply for these types of fast cash loans. Unlike payday loans or instalment loans, these are designed for the immediate term and should be repaid as soon as possible to avoid any additional debts. You should therefore consider other options before taking out a cash loan. This may include borrowing from friends and family or perhaps considering an emergency loan.

Apply Today for a Cash Loan Online

Apply online today for a cash loan through our application form and get yourself back on track and moving away from unexpected emergencies. We are a direct lender of fast cash loans and we can offer same day funding for all approved loans.

Payday Bad Credit is a trading style of Western Circle Limited – Company Registration Number: 7581337

We are fully authorised and regulated by The Financial Conduct Authority. FCA full permission license: 714479
ICO Registration Number: Z3305234

Payday Bad Credit terms and conditions apply. Applicants must be 23 or over.
All loans are subject to affordability, applicant verification and traditional credit checks via various national
databases by Payday Bad Credit responsible lending policy.
Loan limit maximum of £500 for first-time customers (£1,100 for existing).
In most cases, loan decisions may take up to 30 minutes during office working hours.
If your bank does not support Faster Payments, funds will be sent to your account the same day as approval so long as you’re approved by 16:30.

Representative example: Borrow £500 for 4 Months, 4 Monthly Repayments of £215.81. Total repayment £863.24. Interest Rate PA (fixed) 270.10%, Representative APR 997%

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk
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