Small Cash Loans

  • Borrow up to £20001
  • Trusted lenders only
  • Payouts within 24 hours
  • Responsible lending policy
  • Alternatives available

Small Cash Loans – Same Day Payout

What are Cash Loans?

Cash loans are a means to boost your spending power quickly and usually require the borrower to repay the money with interest on one or more set dates. There are various types of cash loans and we have access to a number of types of short-term cash loans.

You can use our Find Loan tool to help identify the loan options that might be the best fit for your needs and personal circumstances – you can then find more about those options elsewhere on our website.

Selecting Your Cash Loan:

Things to consider:

  • How much do you need?
  • How quickly do you want to repay it?
  • What repayments could you afford?
  • Do you have a bank account?

Our Find Loan tool can help you narrow down your options, or you can use the links below.

Explore Cash Options

Types of Cash Loan

When considering the type of cash loan to use keep in mind not only the amount you need to borrow but also the way in which the lender requires you to repay the money. You need to balance affordability with repayment flexibility and overall cost. In general don’t be tempted to borrow more than you really need, and always try to repay your loan as quickly as you can to reduce interest charges. These are the main options open to you:

Payday Loans

  • Borrow up to £1000
  • Repay next pay day
  • Instant payouts possible
  • Only use in a true cash emergency
  • Repay on time to avoid high rollover costs
  • Representative APR 1270%

More info

Doorstep Loans

  • Borrow up to £2500
  • Fixed repayments over 13 to 104 weeks
  • No hidden charges
  • Doorstep service via agent
  • No bank account required
  • Representative APR 535.3%

More info

Instalment Loans

  • Borrow up to £2000
  • Repay over your chosen period (max 2 years)
  • Early repayment possible
  • No guarantor required but there are cheaper alternatives available
  • Representative APR 1270%

More info

Small Guarantor Loans

  • Borrow up to £750
  • Repay over 6 to 24 months
  • Guarantor required (non-homeowners accepted)
  • Same-day cash payouts possible
  • Designed for bad credit
  • Representative APR 347% (12 months)

More info


Payday Loans

If you’re uncertain which type of credit might suit you or you have a money problem then one of guides may help you. We summarise each type of loan and their pros and cons, and address issues regarding debt and credit ratings.

Cash Loan FAQs

About Cash Loans

Which type of cash loan should I choose?

The correct answer to this depends on many things. We provide information that will help you choose. The reason you need to make the decision yourself is because only you know your specific needs and your personal circumstances. But we can give you a checklist of things to consider that may help:

  • Is there an affordable solution – is there space in your weekly/monthly budget to cover the repayments you will have to make?
  • Only borrow what you really need – don’t be tempted to borrow “that little bit more” even if the lender offers it to you.
  • Consider the repayment period – generally the quicker you can repay a loan the lower the total cost of the debt. So, if your budget allows, try to keep the repayment period as short as you can.
  • Look at the total cost of repaying the loan – the APR% can be misleading when it comes to short term loans of just a few weeks or months.
  • Make sure you understand the terms & conditions before signing the agreement.
Which is likely to be the cheapest option?

This is a tricky question to answer. We’ll exclude payday advances from this comparison. In the case of the other 3 types of cash loan lets work to a shared scenario – you want to borrow £500 for 6 months. Which could be the most cost effective solution? [these are approximate costs only]

  • Doorstep Loan – total amount repayable would be c.£780 made up of 26 weekly payments of £30.
  • Instalment Loan – total amount repayable would be c.£850 made up of 6 monthly repayments of £140.
  • Small Guarantor Loan – total amount repayable would be c.£874 made up of 6 monthly repayments of c.£146.

As you can see, in this example, the instalment loan and small guarantor loan options looks a slightly more expensive way of borrowing a small sum for a moderate time period. When you are deciding on which loan type to use you need to do the same analysis for your loan size and preferred repayment period (that keeps things affordable).

I need cash really quickly. Which is the fastest cash loan?

All loan providers are implementing changes to their application processes and technology to shorten the time it takes to get a loan. In reality non of these loan options is slow to get you your cash. However, getting a doorstep loan may take you a little longer (a few days) as you will need to be visited by an agent from the lender.The other types of cash loan can all get you the money the same day (and may be within a few hours) direct to your bank account, subject to your application being accepted by mid/late afternoon.

My credit history is poor. Which options are available to me?

All lenders, regardless of their type of loan, have to operate responsible lending policies. There are no guarantees that a lender will lend to you if you have credit problems. However, all small cash loan lenders will take enquiries from people with bad credit and assess them on their merits. This will include affordability checks.

The most “understanding” lenders are those who offer guarantor loans. These have been designed with bad credit in mind. We have plenty of information about them on our website.

I always seem tight for cash. Would borrowing help me?

If you are tight for cash much of the time then you need to think twice about borrowing money. How would you afford to repay it? You do not want to worsen a tight financial position by taking a cash loan you cannot afford to repay.

We would suggest that before you take on any debt that you look at your personal expenditure and your budget and see if there are any components you can reduce. This is much better way of releasing the cash you need – you aren’t faced with interest costs and repayment deadlines.

Take a look at our guide to managing debt. After this the first thing you should do is list how much (per week or month) you spend on different things (e.g. rent, phone, food, energy, socialising, etc). When you examine this list against your income you’ll immediately see what the gap is and where you might be able to save money.

Do this and then hopefully you won’t need a small cash loan at all!


  • No Upfront Fees
  • Smart Online Service
  • Stay Safe & Secure
  • Independent & Impartial
  • Trusted Partners


For over a decade Solution Loans has helped people all over the UK find solutions to their personal finance problems.

OUR REPUTATION Instalment Loans


Our reputation is great. In fact we have scored 4.6 out of 5 based on 308 ratings & 53 user reviews for our short term loans service.


FIND A LOAN find a loan now

Answer 4 quick questions and will tell you what kind of loan options maybe avialiable to you

APPLY NOW apply now

We provide quick and simple enquiry forms that are 100% safe & secure to access the loan you need.

Written/Reviewed by: Amanda Gillam