Warning: Late repayments can cause you serious money problems. For help, go to moneyhelper.org.uk. We are a broker not a lender.

Cash Carrot

Outstanding in our field

Apply for a short term loan up to £5,000*

Quick approval

No paperwork

Secure UK lenders

Representative example: if you borrow £550 over 18 months at a flat rate of 180% per annum (fixed) with a representative 770% APR you will make 18 monthly payments of £113.06, repaying £2,035.08 in total. Rates from 45.3% APR to 1721% APR. A short term high cost loan should not be used as a long term solution. We are a broker not a lender. We don't charge fees. We don't sell your personal information. We may receive a commission from the lender.

Cash Carrot

Short term loans up to £5,000*

Find out how easy it is to get started with your loan application.
Cash Carrot

Apply online

Apply online using our short term loan application form.
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Select loan amount

Choose the amount of cash that you'd like to borrow and fill out a few details.
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Receive cash

Receive your cash into your bank account within minutes of approval.

Apply for a short term loan today and receive a quick decision

Apply now

Warning: Late repayments can cause you serious money problems. For help, go to moneyhelper.org.uk. We are a broker not a lender.

Cash Carrot

Reasons to choose us

We don't charge fees

At Cash Carrot we don't charge any fees when you apply for a short term loan with us.

Secure UK lenders

Our service and all of the lenders we work with are secure. We won't share any of your personal information.

Quick approval

You could get your money quickly with Cash Carrot, apply online today to get started.

Here for you

Learn more about us

Our charges

An example of our short term loan rates

Representative example
Loan amount £550
Loan length 18 months
Monthly repayment £113.06
Total loan amount £2,035.08


View some of our frequently asked questions

A short term loan is intended to cover expenses until your next payday. A lender will usually charge a fixed fee depending on the amount borrowed, and the loan is available until your next payday, regardless of when you apply.

To apply for a short term loan with Cash Carrot please visit our application page. You can apply 24 hours a day, 7 days a week with us. Your funds could also be deposited into your bank account on a weekend.

Yes, most of our lenders will work with people who don't have perfect credit. Most of our customers are people who can't get regular loans from a bank. The lenders we deal with tend to have higher APR than the general mainstream banks, however when you take a loan you can't be charged more than 0.8% per day in line with the FCA rules, so the quicker you pay off your loan the less interest it will cost you.

If we are unable to find you a loan you should not be offended as this means that the lenders are acting responsibly and it may be that you need to take alternative steps to address your current financial situation.

If you are in any doubt as to whether a loan is suitable for you, you should contact the Citizens Advice Bureau or Money Helper - free, impartial advice services which can help and support you.

We do not charge any fees. There are no hidden costs for our customers. The commission we earn for connecting you to a lender has no impact on your loan. According to Financial Conduct Authority (FCA) standards, all loan fees should be clearly displayed on the website of the financial product to which we send you. Before determining whether to take out a loan, make sure you've read everything on their website.

Times will vary based on the lender you have agreed your loan with, and also the type of loan you are looking for. Usually applying for a short term loan takes between 15 and 30 minutes.

Cash Carrot

Collection practices

If you are unable to make your arranged repayment date then you must contact your loan provider directly as soon as possible so they can help amend you situation and help you get your payments back on track.

Getting in touch with your lender as soon as possible will give you the best opportunity to reschedule your loan repayments or discuss further potential options in further detail to avoid adverse action.

Lenders usually reserve the right to utilise the Continuous Payment Authority to continue to then attempt to take payment from your card up to 90 days past your due date. This is only done if it is in line with the terms of your agreement. Please check your own terms and conditions on your signed loan agreement for details.


Application requirements

UK resident

You must be a UK resident living in the UK

Over 18

You must be at least 18 years of age

UK bank account

You must have a valid UK bank account

Valid address

You must have a valid UK address

Regular income

You must be employed and receive a regular income

Can repay

You must be able to repay the short term loan

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