Need a loan? Let us help
I Need Cash gives you the choice in one place, on the different types of loans available. We can help get you the right finance solution.
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Cash loans
Available today! Apply -
Homeowner loans
Decisions within 1 HOUR Apply -
Car loans
We want to HELP YOU! Apply
Cash Loans Representative 546.1% APR. Representative example: £200 repaid over 3 monthly instalments of £134.76. Total charge for credit £404.27. Interest £204.27. Interest rate 546.1% (fixed) APR rates range from 45.3% APR to 1575% Max APR. Car Loans start from Representative 8.9% APR. Secured loans have Typical 12.7% APRC variable. Your APR rate will be based on your circumstances. We are a credit broker not a lender.
What you need, when you need it!
If you need a short term cash loan, personal loan, secured loan or car loan, we want to help. We work with a varied and wide range of lenders. This allows us to find the best loan for you.
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Same day loans available
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Open all day, every day
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Any credit status can apply
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Different types of loans available
The Loans we can help you find
Cash loans available TODAY! Up to £10,000
If you need a short-term cash loan, or payday loan, we have a wide varied panel of lenders available. You must be aged 18+ and afford the repayments.
- Same day cash loans available
- Open all day, every day
- Any credit status can apply
- Cash loans from £100 upwards
Cash Loans Representative 546.1% APR. Representative example: £200 repaid over 3 monthly instalments of £134.76. Total charge for credit £404.27. Interest £204.27. Interest rate 546.1% (fixed)
Secured loans with a decision in 1 hour
Secured loans available from
£5,000 TODAY!
From home improvements, weddings or even consolidating a debt, a secured loan could give you the funds you need to make it happen. Minimum loan amount £5,000.
- Over 1- 25 years repayment
- Rates eligible based on circumstances
- Poor credit and arrears accepted
- Quotes won’t affect your credit score
Typical 12.7% APRC variable
Vehicle quotes valid for 30 days...
On new or used cars, vans
or motorcycles
Get a FREE quote for a new or second hand Car, Van or Motorcycle loan. Stays valid for 30 days from a range of various finance options that are available.
- Get a free quote
- No impact on credit score
- Decision in minutes
- No deposit options
Our rates start from 8.9% APR. The rate you are offered will depend on your individual circumstances
Be in control on your terms
Manage your finances at a time that suits you and your lifestyle. We are here to provide the different types of cash loans and finance offers you may need.
Getting you the right financial support, to keep you financially fluid is the core of the I Need Cash ethic.
To give you peace of mind, we work with FCA regulated lenders and financial solutions, to keep you protected.
- Open 24 hours a day 7 days a week
- Apply on mobile, tablet or desktop
- FREE service and 100% online
- No obligation quote
What can I use a personal loan for?
Home improvements
Getting a new make overMaking your home look good is a great feeling but can come at a cost. If you’re looking for help with financing your home improvements—like decorating, new flooring, upgrading your kitchen, updating your garage, or buying new furniture—we’re here to assist you. Our goal is to help you find the perfect loan that suits your specific needs and financial situation, allowing you to achieve the home improvements you desire.
Get your home improvements loan quote nowEmergency payday loan
Need cash advance asap todayAccess to cash in an emergency is not always possible, which is why I Need Cash can provide a range of solutions to help. Our same day cash loans can straightforward to apply for, with a decision often in a few moments.Cash advances ranging from £100 to £1,500 are frequently deposited into your bank account on the same day if approved.
Get your emergency payday loan quote now
Holiday loan
Your dream holiday comes to lifeA holiday is often the highlight of the year, allowing you to have down time from your normal business life. Depending on where want to you go, for how long and how many of you are travelling will impact the cost.If you dream holiday is going to cost £5,000 you may wish to take out a loan to help manage the payments.We work with a range of lenders that can help.
Get your holiday loan quote nowWedding loan
Live the dream dayYour wedding can be the most important day of your life. You may plan for a big day for lots of guests or a small interment occasion.The price of your big day can be high, often in the thousands.To pay for the big day you may wish to look at a wedding loan, which can help spread the cost.Depending how much you borrow, can be unsecured or a secured loan.
Get your wedding loan quote now
Business loan
Don’t let finance hold you backAt I Need Cash, we work with a wide range of lenders that provider advances / loans for numerous reasons. If you have a good credit score and wish to enquire about a Business Loan, we may be able to help. The amount you could borrow would depend on your personal circumstances and if it was a unsecured or secured loan.
Get your business loan quote nowBad credit loan
We want to help, good times or badGood credit or bad credit, we may be able to help so long as you can afford the repayments. We work with a wide range of lenders that help provide loans regardless of your credit status. The primary requirements include being over 18, residing in the UK, having a job, and ensuring that the repayments fit within your budget.
Get your bad credit loan quote now
Debt consolidation
Reduce your outgoings and paymentsIf you have several loans, the total amount spent each month on repayments can be costly. On some occasions it could be beneficial to bring all the debts into one payment eg one loan for the whole amount. From the larger loan, repay the smaller loans and be left with one single repayment. This is often lower than the combined small loans.
Get your debt consolidation quote nowCar loan
Get the vehicle of your dreams today!There is nothing better than the new car smell. Opening the door for the first time and put the key in the ignition. Even a second-hand car can have this effect, as we start it up for the first time. If you have a new car dream, we could help. Whether just looking for a car loan, motorcycle loan or van loan, we want to say yes.
Get your loan quote now
Questions
We are a credit broker that provides a FREE service in helping you find the best financial solution for your needs. Our team has been helping individuals get the right financial help for over 10 years.
There are very little restrictions on what you can use a cash loan for. Home improvement loan, wedding loan, car loan, holiday loan, consolidation of bad debts or even a cash emergency. However, do consider carefully your long term financial ability to repay the cash loan.
Our customers can apply for an unsecured loan of up to £10,000, 24 hours a day, 7 days a week. Not all of our lenders can provide unsecured loan, some will ask for a guarantor but this will depend on your circumstances.
That is ok, we can help in searching the right type of cash loan. Including payday loans, bad debt loans, £1,000 loans and instalment loans. Our process takes only a few minutes, with lenders giving us a decision in moments. A number of lenders that we work with, can put the cash loan in to your account within one hour.
The basic criteria to use ‘I need cash’ is that you:
Must be over 18
Be employed
A UK resident for a least 3 years
Lived at your current address for a minimum of 3 months
Yes, lenders will perform a check when you apply for a loan. However, when we first submit your details to our panel of lenders, most will only perform a soft search. A soft credit search does not show on your credit file. It is only if you decide to go ahead with the loan the lender offers, will they perform a full credit search.
Have another question?
Visit our FAQsYour Credit Score
All credit is considered, don’t let a bad credit score be a barrier.
Our panel of lenders can help with good credit loans and bad credit loans, both for short term loans and unsecured loans. Your credit is an important factor when a lender is looking at your details but your affordability is also important.
Affordability is around being able to make the cash loan repayments. If you are unable to afford the repayments, you will not be offered the loan. Even if you have a really good credit score. Lenders will look at the difference between your income and your outgoings, which gives your ‘disposable income’. If you have a bad credit score but a high level of disposable income, lenders may still accept you for a cash loan.
