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
Your 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.
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.
