Yes. We look closely at your current monthly income vs outgoings rather than relying solely on past credit ratings.
Financial demands vary for everyone. Whether you are covering seasonal shopping costs, managing unexpected car repairs, or bridging a gap between paydays, finding a clear credit option shouldn't be complicated.
At CashFacts, we offer a range of short-term direct lender loans tailored to individual circumstances. We focus on real-time disposable income and monthly affordability, giving you clear choices with zero hidden broker charges.
Find the right short-term direct lender option for your specific financial need.
Spread the cost of seasonal gifts, food, and festive celebrations with fixed monthly terms.
Explore Christmas LoansSecure financing based on your present income rather than past credit mistakes.
Read MoreApply completely independently without asking family or friends to co-sign.
Read MoreStructure your repayments into equal, predictable monthly installments across 3, 6, or 12 months.
Read MoreFinance flight deposits, package tours, or foreign currency for upcoming travel.
Read MoreUpgrade appliances, fix plumbing issues, or redecorate living areas.
Read MoreWe provide fair, transparent, and direct short-term borrowing across the UK.
Deal directly with us from application to final payment with £0 middleman fees.
Assess your approval odds without leaving a public mark on your credit file.
Once approved, cash is transferred directly into your UK bank account.
Clear interest calculations ensure you know your exact end date upfront.
Fast, online, and completely soft-search protected.
Choose your required sum (£100 to £1,500) and pick a term that fits your monthly budget.
Provide basic details about your income, household expenses, and bank account.
Get a direct evaluation and fast transfer to your account upon approval.
To apply for any loan option with CashFacts, you simply need to meet our baseline requirements:
Yes. We look closely at your current monthly income vs outgoings rather than relying solely on past credit ratings.
No. Your initial application uses a soft credit search, which is only visible to you on your credit report.
None. CashFacts is a direct lender. We charge £0 upfront fees, admin costs, or broker fees.
Once approved and verified, funds are typically transferred into your UK bank account on the same day or within 1 hour.
Borrow £500 over 4 months. Repay in 4 monthly instalments of £170.00. Total amount repayable: £680.00. Total interest charged: £180.00. Representative 298.6% APR (fixed).
Yes, we do.
Get A Loan Quote