Cash loans

Quick access to cash loans might help you deal with something as a minor inconvenience and avoid it becoming a catastrophe.

Are your expenses sometimes unpredictable? Then cash loans may help

If so, don’t worry because you are far from being alone.

Some bills are relatively straightforward and easy to budget for. Examples come to mind, including things such as gas and electricity or monthly food bills.

Others, though, can come at us from out of the blue and prove to be a major financial challenge. They might include a washing machine that has just broken down or a failed MOT gives you the bad news that major work is required in order to keep your car on the road.

If you have lots of savings, then fine. If you haven’t, then you might find quick loans, such as instant cash loans, a big help.

Get £100 to £3,000 paid out by 4:05 pm

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(It won't affect your credit score)
Representative 669.35% APR (variable)
View example
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How a cash loan could help

They are easy to use

If the idea of a loan suggests to you lots of form filling and in-depth debates with somebody sitting the other side of a desk, then think again.

With cash loans today, direct lenders have drastically simplified the whole process and it can now be completed entirely online.

All that is required is for you to enter the amount you want and how long you want to borrow it over plus some basic information about yourself. The system will do the rest.

Need the money fast? That’s typically no problem.

Approval can be obtained often within just a very few minutes of your application and the money might be in your bank very shortly after that. Remember though that however fast the loan provider works they can’t control how quickly your own bank will credit your account.

Credit history worries?

Again, don’t think you are alone.

Large numbers of people have glitches on their files and it is no reason to assume that you won’t be able to get approval. UK cash loan providers are experienced and will have seen such problems before.

In some cases, if your credit history is particularly poor, you may need cash loans for bad credit products.

You may have to accept that you will need to pay a little bit more for them and in some cases, the providers may wish to advance smaller sums than might otherwise have been the case.

Although you might have seen advertisements for no credit check cash loans, an advance guarantee of acceptance isn’t possible. Each individual case will be reviewed by the potential provider on its own merits.

Borrowing amounts and repayment periods

How much you can borrow will depend upon your credit history files and of course your current income. Sums in the region of £100-£3,000 might well be within your grasp though.

Unlike earlier generation payday loan products, you may be able to choose a repayment period of up to two years.

Remember though that the longer it takes you to repay a loan, the more it will cost you in total overall terms.

What will you need?

In very general terms, cash or loan approval will typically require:

  • that you live at a verifiable permanent UK address;
  • you receive a regular and predictable income. That can originate from an employer, your self-employed accounts, pensions or other forms of benefits — providing they are received on a regular basis;
  • you must be 18 years of age or older;
  • a UK bank account with a linked bank debit card (this is different to a credit card);
  • an email ID and a mobile phone.

If you are concerned, it’s worth noting that your employer will typically not be contacted as part of the verification of your application details.

What happens if I can’t make a scheduled repayment?

The first thing to do is not to fret or panic! Loan providers understand that things can happen in a given month.

The first thing you should do is to call your fund provider immediately and notify them of your problem. Do not just default on a repayment.

Your fund provider will typically be understanding and agree a solution with you on an amicable basis where possible.

Do remember though that this will inevitably involve the lender in additional work and administration. That may result in additional costs and charges being put onto your account.

Get your personalised quote

Apply Now
(It won't affect your credit score)
Representative 669.35% APR (variable)
View example

Why you'll love our cash loans

Are you looking for cash loans today because you want something that is quick and easy to apply for? Then we think you’ll love Instant Lolly.

Flexible borrowing — choose from a large range of short-term and payday loans.

Flexible borrowing

Choose the ideal loan amount and repayment term for your needs. We offer loans from £100 to £3,000 over 1 to 24 months.

High acceptance — great approval rates for people with good and bad credit.

High acceptance

Simply fill out our short form and we'll ensure your application reaches all the right lenders for the best chance of approval.

Fast funding — loans with quick decisions and speedy money transfers.

Fast funding

We'll give you a decision in seconds, and you could get money sent to your bank as soon as 15 minutes after approval.

Online convenience — access the best UK direct lenders in one place.

Online convenience

Apply securely online 24 hours a day, seven days a week — via mobile, desktop or tablet. Oh, and it's totally FREE too!

How Instant Lolly can help

We are experts in matching requirements to fund providers, having helped thousands of borrowers since we arranged our very first cash loan online for Mr Faulkner back in April 2013.

Our most important role is to help to ensure that your application goes to a provider or providers who are likely to be receptive to your needs and advance you your required cash as fast as possible.

If you think a cash loan might be right for you, then we're ready to help you find the perfect match.

Can I apply?

To apply you must:

  • be at least 18 and a permanent UK resident;
  • receive a regular income, such as a wage, a pension or benefits.

You will also need:

  • a mobile phone and email address;
  • a UK bank account with a debit card.
We respect your privacy and will never use, sell or share your information for marketing purposes.

Ready for a quick cash loan? Get up to £3,000 within 15 minutes of approval

(It won't affect your credit score)
Representative 669.35% APR (variable)
Representative Example: £250 borrowed for 30 days. Interest charged is £60.00. Total amount repayable is £310.00. Annual interest rate of 292% (fixed).

Important Information

If you do not make your minimum repayment by the agreed upon due date, you may incur additional charges and penalties. If you are having problems paying, please call your credit provider. For other sources of assistance, visit; call the Step Change Debt Charity on 0800 138 1111; or National Debtline on 0808 808 4000; or visit; or visit your local Citizens Advice Bureau.

Loan approval: All loan offers are subject to lender final approval. Approval/transfer times vary by lender. Not all lenders may be able to transfer funds in 15 minutes. Approvals/transfers may take longer for applications processed outside normal working hours. If your bank does not support faster payments, it may take longer for funds to reach your account.

Credit checks: When assessing your eligibility for a loan, lenders will carry out a soft search; only you can see them on your credit report and they have no impact on your credit rating. If you accept a lender's loan offer, they will perform a hard credit search which will be visible to any company searching your credit report for 12 months.

Instant Lolly does not charge customers a fee for using its services, but it receives a commission from lenders or other brokers following an introduction through this website.