Contact your funding body and your university’s money advice team first. They may be able to help without new borrowing.
University life comes with strict budget demands. Between rising accommodation rent, costly course equipment, transport fares, and daily living costs, student maintenance installments can easily run thin before the next term payment arrives.
At CashFacts, we offer straightforward student loans in the UK designed to help students manage unexpected short-term financial gaps safely. As an established direct lender, we assess emergency student loans with soft search checks based on your current regular income. We offer a transparent and secure alternative to high-interest overdraft fees or unverified online lenders.
No. CashFacts is a private lender. Compare:
| Feature | CashFacts loan | Government student finance |
|---|---|---|
| Provider | CashFacts, a private direct lender | The government, through Student Finance |
| Purpose | Short-term gaps and one-off costs | Tuition and maintenance |
| Repayment | Fixed monthly instalments over a set term | Based on your income once you earn above a threshold |
| Cost | High-cost, so check the total repayable | Set by government rules |
We assess emergency student loans based on your current income and outgoings. Typical uses include:
Our loans are small, short-term and high-cost. Try these first:
| Support | What it is | Worth checking |
|---|---|---|
| University hardship fund | Help for students in financial difficulty, often non-repayable | Ask your university’s money advice team |
| Student bank overdraft | Many banks offer a student overdraft at low or no interest | Compare accounts and check the terms |
| Council tax exemption | Full-time students are usually exempt | Check with your local council |
| Student Finance | Maintenance support if you’re eligible | Confirm your payment dates |
1. Choose your amount and term. Pick between £500 and £2,500 and a schedule you can manage.
2. Complete the short form. Enter your income, regular outgoings and bank details.
3. Review your agreement. If you’re approved and verified, you’ll see the total repayable before accepting. Once you accept, funds go to your UK bank account.
You can apply if you:
A thin credit file or past problems don’t automatically rule you out. See our bad credit loans UK page. Mainly on benefits? Read our guide to loans for unemployed on benefits.
Having these to hand makes the form quicker:
A soft search shows whether you could be eligible without affecting your credit score. You’re not committed to borrowing until you’ve read and accepted your agreement.
Questions first? Contact us at [email protected].
Other borrowing needs? See our home improvement loans, car loans, debt consolidation loans, short-term loans, Christmas loans and holiday loans pages.
Contact your funding body and your university’s money advice team first. They may be able to help without new borrowing.
You need regular income that we can assess. Sometimes, we can accept part-time income also. Our main concern is your ability to repay. Therefore, borrowing an affordable amount becomes important.
Instalments continue during holidays, when income may drop. Plan for those months before you borrow.
Your university’s money advice team, Citizens Advice and MoneyHelper all offer free, impartial help.
You have the right to repay early. You’ll usually save future interest, but a charge may apply, so check your agreement.
Borrow £500 over 3 months. Repay in 3 monthly instalments (2 of £216.66 and a final one of £216.68). Total amount repayable: £650.00. Total interest charged: £150.00. Representative 400.3% APR (fixed).
Yes, we do.
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