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£100 to £5,000, same day payout*

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk. Boutell.co.uk is a broker, not a lender, and does not make credit decisions.

Representative Example: Rates from 49.9% APR to max 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 30 days. Total amount repayable is £310.00. Interest charged is £60.00, annual interest rate of 292% (fixed). Representative 669.35% APR (variable).

*Boutell does not perform a credit check on any of our applicants however lenders will determine if you're eligible for a loan via a soft search. If you accept the loan offer a hard search is performed.

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Where to Go for Help If You Need to Get Cash Now

If you really need some cash right away, then you will be looking around for things that you can do to get it. Often, we will be in a panic if we are in this situation as it is likely that we are in an emergency and this can mean that we will not have the best judgement with regards to choosing a solution. This is why it can be really useful to go to others for help. They will not be in such a panic and will therefore be able to think logically and provide you with solutions that will enable you to manage your situation. There are different places that you can consider going to for help to get cash now.

How much would you like to borrow?

Representative Example: Rates from 49.9% APR to max 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 30 days. Total amount repayable is £310.00. Interest charged is £60.00, annual interest rate of 292% (fixed). Representative 669.35% APR (variable).

Friends and Family

Going to your friends and family for help can sometimes be difficult especially if you have financial concerns. You might feel a bit embarrassed about telling them that you have financial problems and you may not want them to know. However, these are the people that love and care for you and therefore are the most likely to be able to help you. They may have had similar problems themselves and might be able to share their experience with you. Even if they have not been through the same thing they may be able to help you with suggesting solutions that you may not know about. It is also great to share your problems with others, It can reduce the fear and panic and help you to calm down and make better decisions about what to do. Therefore, there really isn’t anything to lose by talking it through with other people.

Colleagues

It might be that your family have not been in a situation like this before and if you want specific advice on how to cope then talking to work colleagues might be helpful. They will still be useful as a way of just sharing your problems, like your family will. They may also have experienced the same problems as you and could let you know how they managed or what they would do in your situation. Again, it can help to share your problems but might also be very useful if they have been in the same situation as you and will be able to let you know what they did so that you can consider whether that will be useful to you or not. Make sure that you consider whether you feel that what they did will work for you as everyone is different and has different financial situations and therefore, they will all need different solutions.

Financial Advisor

A financial advisor may be able to direct you to loans that could help you out. Most people that need to get cash now will not have any other means of getting it. Using a financial advisor has advantages and disadvantages though. They will have a great knowledge of different products which means that they should be able to come up with a solution for you. However, some are affiliated with certain payday lenders and therefore will only be able to come up with a solution that will incorporate products that are offered by that particular lender. If you pick an independent financial advisor they will pick from all lenders, but they will charge you for the advice that they give. This could very well be unaffordable for you as if you need cash now, it is unlikely you have any spare money to pay them with.

Websites and Blogs

There are plenty of websites and blogs which have financial advice. These can actually be quite daunting as there are so many of them. It is also wise to think about whether they are a trusted source of information or not. Anyone can set up a website or blog and they can write about anything and if they sound authoritative, they can be believed even if what they are saying is not true. Therefore, it is very wise to make sure that you find out about who has written the information and what they qualifications are. There are sites written by experts in their field and these are well worth looking at. You will also find that there are sites where they make commission on their recommendations. These are more likely to be biased as they will want to do what they can to encourage you to sign up for products that will make them money. It is wise to be very careful, but there is useful information out there. If you look at a range of different websites and blogs and then see what common information is on there, this should help you to be sure that what you are looking at is right.

Comparison Website

If you have decided to borrow the money then you need to choose a lender. This can be pretty tricky as there are so many different lenders available to choose from, especially when it comes to fast loans for bad credit. One way of picking between then is to use a comparison website. If you enter the details of what you want to borrow and how long for it will show you the cost of choosing different lenders to get what you require. It can be good to think about whether cost is the only factor that is important t you though when you are picking a loan. There are many other features that you could perhaps be considering as well such as how easy it will be to repay, how long it will last, what the lender is like and things like that. So, although a site like this can be useful for comparing costs it will not be so good for comparing other things which means that you may have to do quite a bit of extra work in looking at the different recommendations and deciding whether they will be suitable for you. It is also worth bearing in mind that comparison websites will be limited in the lenders they compare. They will not look at every single lender. This is partly because some lenders only deal directly with customers and do not appear on comparison websites. Also, these websites earn commission on the lenders that they recommend, if someone clicks through their website and takes the loan. This means that there is a risk that they will only recommend lenders that provide them with a decent amount of commission.

Credit Brokers

If you need to get cash now, then a credit broker such as Boutell will be the fastest way to get it. So, if you have no time to do any of the above then they could be worth contacting. They will take information from you and match you up with a loan so that you will be able to quickly borrow the money that you need. Then tend to deal with short term loans which are quick to apply for and will get you the money that you need really speedily as well. You may even be able to get the money within a few hours or at most a few days. This means that if you have an emergency where you need money really speedily then these can be the best for you as if you need the money really quickly and do not want to do any of the other steps then this will be a good solution for you. It will enable you to quickly get the money that you need and stop worrying about your financial situation. Od course, it is always wise to do as much research as you can, but at times is just not practical or you may just not feel confident enough to do this sort of research yourself. You may feel that you do not know enough, that you will not understand it or just do not have enough time to do it. It is likely that if you did have the time, you could find a ways to understand everything; perhaps by discussing it with the customer services department of the lender, but you may just not have the time available to be able to do this.

How We Compare

  • Boutell
    Why Use Us?
  • How much can I borrow?
    £100 - £5000
    No hidden fees
  • Over how long?
    1 - 36 months
    Flexible repayments
  • Can I apply with bad credit?
    Yes
    Quick decision
  • How do I apply?
    100%
    Online fully SSL secured
  • When can I apply?
    24/7
    Even on bank holidays
apply now!

Final Thoughts

So, you can see that if you need to get a £500 loan now, there are lots of places that you can go for help and advice. It is wise, if you can, to take a bit of time to talk to others or do research to try to find the best solution for you. Unfortunately, this is not always easy to do if we have an emergency situation financially. It is worth trying to do it though if you can, but you will not always have the time to do so. Therefore, going to a credit broker can be a better solution as it is nice and quick and you can get money speedily and will be able to sort out your emergency.

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