Cash Loans

£100 to £5,000, same day payout*

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).


Cash Loans – A Short Term, Highly Flexible, Online Lending Solution

Boutell offers fast cash loans via a range of highly flexible borrowing solutions. You can borrow from £100 – £5,000 today and have the funds transferred direct to your bank account within 24 hours. We operate a fully web-based service with no paperwork, hidden fees, or verification phone calls. And we specialise in providing cash in an emergency. So if you’re in a bit of a tight spot and require a quick cash influx to tide you over until your next payday, Boutell is the service for you.

All the cash loans offered on are considered cash for any purpose. This means that you can use the loan for anything you desire (within reason) and you will not need to provide proof of purchase. All that we ask is that you adhere to the terms of the loan agreement and make your repayments on time.

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).

Getting Started – How to Apply Online

To apply for a cash loan via Boutell, you need to meet ALL the following eligibility criteria with no exceptions. The requirements are basic and in line with other short term lenders operating in this sector. If you do not fulfil the below, your application will not be processed.

  • You must be a UK resident at the time of applying and for the term of the loan.
  • Be 18 years old or above.
  • Have a UK address and phone number.
  • Have a regular income paid into a UK bank account. The income can be from employment, self-employment, or benefits.

If you meet all the above requirements, you can proceed to our online application form. If you have ever applied for Loans for 12 months online before, you’ll no doubt find it familiar. We ask only the most basic questions of you and the entire form has been designed in a way that allows it to be completed in 2 – 3 minutes if you have all your details to hand. In addition to your personal details, we’ll also require some information about your income type, source, and payment frequency. This plus your month to month expenses will allow our lenders to determine affordability. You will also note that we request your UK bank account information. This is not part of the approval procedure; it is passed to the lender to transfer the borrowed funds should your cash loan application be successful. So please keep this in mind when applying. It should be the account your income is paid into and the one you make your subsequent loan repayments from.

apply for quick cash borrowing

Boutell Cash Loans – Common Uses

People come to Boutell for numerous different reasons. Sometimes it’s simply the need for quick cash in an emergency. Sometimes it’s to fund something over a much longer term. Below we’ll explore some of the more common reasons and uses for our cash loans service to give you an idea of what other customers are using their loans for. All the loans offered by Boutell are considered cash for any purpose, so you don’t need to have a specific use in mind when applying. Nor do you need to prove that a loan was used in a particular way. You will note that our application form requests the reason for needing to borrow money, but this is for internal reporting purposes only.

Here are some of the more common loan uses reported by our customers: –

  • Rent/mortgage payments.
  • Utility bills.
  • Servicing existing debts, unauthorised overdrafts etc.
  • Unexpected costs, medical, dental, car repair etc.
  • Transport costs.
  • Day to day living costs.
  • Special occasions.

Credit Ratings, Scoring, Checks and Guarantors

Getting Approval with Bad Credit

If you suffer from bad credit, first and foremost, do not worry. Fast cash is still well within your reach thanks to our vast network of lending partners. Many of which specialise in helping people with a less than perfect credit score obtain loans for poor credit. To facilitate this, considerations are made in addition to traditional credit scoring and checks. Most notably with regards to affordability. Even if you have suffered from bad credit historically, having a regular income and being able to afford the proposed repayments may well be enough to obtain approval.

No Credit Check Cash Loans

A common misconception is that cash loans for lower amounts do not require a formal credit check of the applicant. And whilst it is true that the checks performed by our lending partners are not as stringent as those performed by traditional lenders (soft search versus hard search), a credit check will be performed, nonetheless. Regardless of loan amount, term, or the direct lender you are matched with.

All UK based operators who are licensed and regulated by the Financial Conduct Authority (FCA) are required to practice responsible lending. And a fundamental requirement of this practice is determining affordability on behalf of the applicant, so they don’t lend more money than the customer is safely able to repay. To gauge this, a credit search is performed along with an affordability check to make sure that you have enough money coming in month to month and enough left over after your expenses to service the loan agreement adequately. So those offering cash loans with no credit check are either not regulated or do not care about your financial well-being.

No Guarantor Required

All loan products offered by, regardless of loan amount or term do not require a guarantor. Nor will you be afforded the opportunity to put forward a guarantor in the unlikely event that your cash loan application is unsuccessful. We pride ourselves on being a strictly, no guarantor cash loan service. With that said however, our lending partners specialise in helping facilitate short term lending needs even if the applicant has a less than perfect credit score. So even if you’d typically need a guarantor when taking on more traditional types of loans, affordability is more important when it comes to cash loans.

apply for quick cash lending

Fast Cash Loans – Money Within 24 Hours

Once your cash loan application has been approved, a final breakdown of the loan agreement will be presented to you (on screen, no paperwork). This breakdown will detail all the specifics of the agreement such as how much you’re borrowing, how much (and when) you’re paying back and how much interest is being charged for the service. You will then be requested to approve the agreement. This is completed entirely online. At this stage of the process, you’re under no obligation to proceed with the agreement. However, clicking accept will bind the agreement and action the fund transfer process. So please review the terms carefully and only proceed once you’re happy.

Fund transfer times for cash loans vary from lender to lender. And from bank to bank. The majority of the direct cash lenders we’re partnered with at Boutell action fund transfers immediately provided the loan is confirmed within regular working/business hours (9am – 5pm, Monday to Friday). If a loan is approved outside of these hours or over a weekend/public holiday, the funds may be released on the following working day. Please also allow considerations for transaction processing timing at your own bank too. Some UK banks only process incoming transactions at certain times of the day. Even banks which subscribe to the UK’s faster payment service may not process a given transaction until the following morning. So if you’re counting on receiving your cash urgently, please keep this in mind.

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?
    Quick decision
  • How do I apply?
    Online fully SSL secured
  • When can I apply?
    Even on bank holidays
apply now!

Flexible Borrowing Amounts and Repayments

One of the most loved features of our cash loan service is simply flexibility. We understand that everyone is in a different predicament and the reasons for needing cash, the amounts required, and the desired terms differ wildly from person to person. To address this, we’ve tried to make our product as flexible as possible. At Boutell, you can borrow cash loan amounts from £100 right through to £5,000 (and any amount in between). We believe such scope offers enough flexibility to cater for all our customers, regardless of their situation and in addition, all loans can be taken over as little as one month right through to 36 months (3 years). Obviously, the longer term the loan is taken over, the more interest will be charged. But with complete flexibility on both the amount and term, we’re confident you will find a solution that works for you and your current financial situation.

Latest From The Boutell Blog

Visit Our Blog
Visit Our Blog