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Quick Cash

Quick cash refers to borrowing up to £2,500 and receiving funds within 1 hour or on the same day, if approved. Fast cash is commonly used for emergency purposes and those looking to receive funds to quickly pay off a pressing bill or expense.

Payday Loans Hub works with a number of established lender who specialise in quick cash loans  and helping you get the funds you need as soon as possible. The entire process can be handled electronically online from start to finish, including the application, checks, funding and repayments – allowing the loan to be completed as fast as possible.

Simply apply online today in less than 5 minutes and we will using our matching system to find a lender who is mostly like to offer you a quick cash loan, based on the amount you wish to borrow and how long for. Key features include:

  • Direct lenders
  • No guarantor required
  • Bad credit accepted
  • Funded in 15 minutes
  • No upfront fees

When would you need quick cash?

Quick cash is most commonly used for emergency purposes and pressing bills which simply cannot wait. So whilst we are accustomed to receiving our salaries from work at the end of the month, sometimes we need just a little extra to see us through and getting a cash advance a week or two ahead of schedule can be very helpful.

After all, we never know when the unexpected will arise and we will need some emergency cash to see us through. This includes things we need to carry out everyday activities such as car repairs, broken boilers, rent, council tax, medical bills and more.

The idea is that you can apply for quick cash online, receive the funds upfront to pay for your emergency instantly and give you some necessary breathing space. Then, you have the flexibility to repay your loan over 3,6 or 12 months, helping you manage your cashflow more effectively. If you find that you have the disposable income to repay your loan early, you can certainly do so, since the lenders we work with will give you this option and there will not be any extra fees for doing so.

How to get quick cash from Payday Loans Hub

  1. Apply online
  2. Choose how much you want to borrow and how long for
  3. Enter your details (safe and secure)
  4. Submit

Starting by applying online by mobile, desktop or tablet. You can apply 24 hours a day, 7 days a week, you simply need access to the internet.

You can choose how much you wish to borrow and how long for. Ideally, you should select an amount that you know you can afford to repay, and avoid stretching yourself financially. You want to avoid further financial strain, so choose a sensible timeframe to repay, giving yourself 6 or 12 months if you need it. You can also select a repayment date each month that suits you the best. So whether you get paid weekly, four-weekly cycles or on the last Friday of the month, you can select a date to accommodate you.

Submit your details on our secure application form. This only takes a few minutes and we require some basic information such as your name, age, residential address, employment status, income, expenses and bank details – so we know where to send the funds upon approval. Then you can click ‘Submit.’

Our loans matching technology will assess your application and connect you with the lender most likely to accept your application based on loan amount, credit status and affordability.

Am I eligible?

To be eligible for a quick cash loan, you must:

  • Over 18
  • UK resident
  • Employed and earning minimum of £500 per month
  • Able to afford monthly repayments
  • No recent CCJs, IVAs or bankruptcy
  • Working mobile phone and email account
  • Working debit account
  • Not in debt management or arrangement

What checks are carried out for quick cash loans?

Quick cash is typically unsecured, so the lenders we work with at Payday Loans Hub will always need to carry out a series of checks to ensure your eligibility.

Credit checks are carried out by one of the three main credit reference agencies in the UK and are used by the lender to get a feel of how well you have paid other types of loans and credit in the past, and if you have any outstanding debt. If you have a good credit score, this will put you in a good position to get quick cash and if you have a bad credit rating, you may be presented with different options such as adding a guarantor to your application.

Affordability checks are also carried out to match how much you have asked to borrow with what you can afford to repay. Good affordability checks will result in you being granted a loan amount that you can successfully afford or adjusting it to a lower amount so that it does not put you under financial pressure.

Your affordability is based on your current income and expenses for things like housing, food, travel etc. This allows the lender to determine how much money you have leftover each month and can put towards your loan repayments.

The majority of credit and affordability checks are automated by the lenders to make the process as fast as possible. In some cases, there may be a follow up phone call or some documents to be sent to confirm your income and affordability. However, our lenders are focused on providing funds to those who are most eligible and will always aim to do as quickly as possible.

There are no fees for applying and your information will be held safely and securely. To get started, simply click on apply now.