Instant cash loans from £50 to £5,000^†

If there’s one thing we know for sure, it’s that financial emergencies can occur at any time - usually when we least expect it.

Perhaps your car has broken down, or your pet has been rushed to the vet. When the unexpected happens, we don’t always have the necessary funds required to cover immediate, unplanned expenses.

While this can be a scary position to be in, try not to panic. There are always steps you can take to find money to tide you through to your next payday.

If you need to borrow money in a hurry, an instant cash loan could be just the solution.

Find out how this short term loan can help you:

• I want to get a loan today, what are my options?
• What is an instant cash loan?
• Can I get an instant cash loan online?
• How quickly can I receive the cash?
• How do instant cash loans work?
• Is an instant cash loan right for me?
• Instant cash loans via direct lenders:
• Can I get instant cash loans with bad credit?
• Where can I get the best instant cash loan in the UK?
• What are the benefits of instant cash loans?
• Why choose ThisLender to arrange a fast cash loan?
• Where do I go for help if I’m in financial difficulty?

I want to get a loan today, what are my options?

If you’re looking to get a loan today, we can help! At ThisLender we arrange quick cash loans from £50 to £5,000^†. The lenders on our panel are able to offer instant cash loans to UK customers to cover unexpected bills and financial emergencies.

Our quick online application can be used to secure an instant decision from our panel of trustworthy lenders. The best part? We work with lenders who offer instant loans for bad credit, so you can still apply with an adverse credit history.

With loans from £50 to £5,000^† and flexible repayment terms available, you’re bound to be able to find the funding you need quickly.

What is an instant cash loan?

An instant cash loan is a type of short-term finance that is designed to help people borrow smaller amounts of money quickly. These cash loans are usually used to cover immediate costs and financial emergencies. They typically get approved on the same day or, and the money is deposited into the borrowers account within 10 minutes^².

With instant cash loans, the money is paid back over a shorter period of time, usually under twelve months.

Can I get an instant cash loan online?

Yes, you can get an instant cash loan online. Lenders offering instant cash loans understand that when it comes to this type of finance, time is of the essence. Online applications help to speed the process up, enabling borrowers to apply at any hour of the day, seven days a week.

There are lots of brokers and lenders that offer instant cash loans via the Internet. Here at ThisLender, you can make a 5 minute online application and receive your instant cash loan quote shortly afterwards.

How quickly can I receive the cash?

Online lenders have faster processing times than traditional institutions like banks. Because of this, once your application has been accepted, your chosen online lender should be able to offer you the cash you need instantly.

With that being said, it’s important to understand that every situation is unique and each person’s loan application times will vary according to their circumstances.

How do instant cash loans work?

Instant cash loans are processed quickly to help borrowers receive the money they need straight away. They are designed to provide instant access to cash and help financial emergencies without delay.

Operating similarly to other types of loans, once the terms of the instant cash loan have been agreed, the borrower will quickly receive the money upfront and then start to make weekly or monthly payments (depending on the loan terms) at a later date.

Instant cash loans are offered over the short term on an unsecured basis, which means no assets are required to be put forward as security for the loan. In some cases, a lender may request a guarantor to co-sign the instant cash loan agreement. This puts extra protection in place for the lender, who then has a way of reclaiming the borrowed funds if loan repayments are defaulted.

Is an instant cash loan right for me?

We always recommend our customers to go through a checklist before deciding whether or not to go ahead and proceed with their loan application. An instant cash loan should only ever be used in a financial emergency, so the first factor to think about is what you will use the money for.

Before taking out an instant cash loan, ask yourself:

• Is this cash loan going to be used to cover a necessity?
• Have I paid off all prior debts?
• Will I be able to comfortably make repayments?
• Does this loan have a chance of negatively impacting my credit score?
• Could I borrow this money from a friend or family member?

Instant cash loans via direct lenders:

If you want to take out an instant cash loan using a direct lender, this is a relatively straightforward process. Most direct lenders offer instant cash loans online, and once you’ve chosen the lender, all that’s left to do is fill out an application form.

Often, the tricky part is finding the right lender for your situation. With hundreds of lenders out there, it can be hard to ensure that you’re receiving the most competitive deal. So, although you can get an instant cash loan through a direct lender, you might be better off using a broker, like us.

At ThisLender we have a panel of direct lenders that we work with. Once you make your online application, we'll search our panel of lenders and do our best to match you to a suitable lender with an instant quote. Through our service you can easily use the quote to compare against other offers you may have sourced so you know you're getting the best deal for your situation.

After you have completed the first part of your application through our website, you will then be able to make a decision on your instant cash loan quote directly with the lender.

Can I get instant cash loans with bad credit?

Yes, you might be able to get an instant cash loan with bad credit. We work with lenders who offer instant cash loans for people with adverse credit, provided you meet the rest of their criteria.

Our lenders take a different approach when making lending decisions. Instead of letting a borrower’s credit score solely determine the application outcome, they take into consideration lots of other factors including length of employment, income and expenses. This way, they are able to get a broader picture of your financial situation and creditworthiness.

Many people make the mistake of searching for ‘instant cash loans no credit checks’ in the hope of being able to secure a cash loan without a credit check. However, we can’t stress enough how important it is for lenders to conduct their credit checks. The credit check forms an important part of the overall process and it is a lending requirement put in place by the Financial Conduct Authority (FCA).

There’s also no need to search for such ‘no credit check loans’, as you can still receive an instant cash loan if you have bad credit.

Where can I get the best instant cash loan in the UK?

The best instant cash loan you can receive will always depend on your personal circumstances. For example, unsecured loans are best for people who don’t want to risk valuable assets, while bad credit loans are ideal for people with adverse credit.

With hundreds of different options available, you should be aiming to secure the best instant cash loan you can in terms of:

• Interest rate offered
• Repayment period offered
• Lender fees & charges
• Flexibility of use

What are the benefits of instant cash loans?

There are lots of reasons why you may choose to take out an instant cash loan. In the right situations, these fast cash loans provide lots of benefits to customers. Some of the main advantages of these cash loans include:

• Instant decisions: Don’t spend weeks worrying about the outcome of your application. Get the answers and money you need almost instantly when you apply for an instant cash loan.
• All credit scores considered: You could still be eligible for an instant cash loan with bad credit. Many lenders now offer instant cash loans for applicants with bad credit.
• Flexible repayments: Instant cash loans are designed to work around your circumstances, including payroll periods. Find an instant cash loan repayment plan that works for you.
• Short term funding: The money you borrow is repaid over the short term, which means you will make less interest payments than you would for longer repayment terms.
• Higher chances of approval: Short term funding solutions like instant cash loans tend to be easier to apply for. You can benefit from a simpler application process and faster turnaround times.

Why choose ThisLender to arrange a fast cash loan?

When you apply for an instant cash loan through ThisLender, you get instant access to a range of lenders in the UK. We help our customers receive:

• An instant tailored quote
• Clear and transparent information
• Money within 10 minutes^² after approval

As well as this, at ThisLender we are authorised and regulated by the Financial Conduct Authority (FCA). We only ever work with lenders who are also FCA approved, to help you borrow money safely.

We understand that borrowing money can be a stressful and worrying process, but it doesn’t have to be this way. Because of this we aim to make your instant cash loan arrangement as fast and stress-free as possible.

Where do I go for help if I’m in financial difficulty?

If you are having financial difficulties or need to speak to someone regarding your financial situation before applying for a loan you can get free and confidential advice from MoneyHelper (formerly The Money Advice Service), National Debtline or debt charity StepChange.