CashASAP Alternative Loans

Cara Bradley

Written by

Cara Bradley

4 min read

Updated: 08/10/2026


Looking for an alternative to CashASAP? Viva Money is a credit broker working with a panel of over 50 direct lenders, and we could help you search for a loan.

CashASAP vs Viva Money

CashASAP Viva Money
Direct lender or credit broker? Direct lender Credit broker
Type of product(s) available Short-term and payday loans. The 50+ lenders on our panel offer personal and short-term loans.
Borrowing amounts
  • Short-term loans between £200 and £750.

  • Payday loans between £200 and £300.
 Search for a loan between £100 and £10,000.
Repayment terms
  • Short-term loans from 3 to 6 months.

  • Payday loans: one month.
 You can search for a loan from 3 to 60 months, depending on the amount of money you need to borrow.
Credit check Full creditworthiness assessment, which will include a hard search and/or an Open Banking check. Multiple hard searches in a short space of time could harm your credit score. An initial soft search with no impact to your credit score.*
If you’re matched with a quote and make a full application, the lender will then complete a creditworthiness assessment.
Authorised and regulated by the Financial Conduct Authority? Yes. Cashasap.co.uk is a trading name of APFIN LTD. You can view their FCA page here. Yes; Viva Money and all the lenders we work with are authorised and regulated by the FCA.
Eligibility criteria You could be considered for a loan with CashASAP if you:
  • Are over the age of 18
  • Are a UK resident
  • Are in full or part-time employment
  • Have a UK bank account with a linked debit card
 You can search for a loan quote with Viva Money if you:
  • Are over the age of 18
  • Are a UK resident
  • Have a UK bank account
  • Have a regular source of income paid into your bank account
Bad credit considered? Yes. People with all credit scores are welcome to search for a quote with Viva Money. A number of the lenders we work with specialise in loans for people with bad credit.
Payout time CashASAP says it aims to send funds as soon as possible once your application has been approved.** Several of the 50+ lenders on the Viva Money panel could send your money the same day your loan is approved.**

Information correct as of October 2026. Please review any company’s terms and conditions independently before using their service.


Credit broker (Viva Money) vs direct lender (CashASAP)


A direct lender, such as CashASAP, lends its own money and offers its own loan products. This means you can only apply for the loans that the lender provides.
With each application, the lender will run a creditworthiness assessment, which could include a hard search. Undergoing multiple hard searches in a short space of time could cause your credit score to decline.

A credit broker, on the other hand, does not lend money. Instead, with just one soft search and no impact on your credit score, it searches a panel of multiple lenders all at once.* Using a credit broker like Viva Money could save you time and help you avoid several hard searches while you compare options.


Things to remember


  • Viva Money is a credit broker, not a lender. We don't make decisions about loans.
  • We only search the lenders on our panel, so we can't show every loan on the market.
  • Being matched isn't a guarantee you'll be accepted. The lender decides when you apply.
  • If you’re matched with a loan and choose to apply, the lender will do a creditworthiness assessment, which can affect your credit score.*

CashASAP loan alternative: Searching for a loan with Viva Money


With Viva Money, you could search for a loan between £100 and £10,000. You could spread the cost of your loan across 3 to 60 months, depending on the amount of money you apply for and are approved to borrow. The longer the term, the more interest you could pay.

People with all credit scores are welcome to check their eligibility.

  1. Fill out our five-minute online form.

  2. In just 60 seconds, we’ll run a soft search and scan our panel of lenders with no impact to your credit score.*

  3. If you’re matched with a quote, you’ll be redirected to the lender’s website where you can find out more and decide whether you’d like to make a full application.

  4. Happy with your quote? If you continue with your application, the lender will complete a creditworthiness assessment. This will include a hard credit search, an Open Banking check, or both.

  5. If you pass the lender’s checks, they’ll let you know when your money will be sent.

Reasons to choose Viva Money to help you search for a CashASAP alternative loan


  • Our online form takes around 5 minutes to complete, and in just 60 seconds, we’ll let you know whether you’ve been matched with a loan.

  • Our service is free to use.

  • Quotes are no-obligation.

  • People with all credit scores are welcome to check their eligibility.

Are you worried about money?


Free, confidential debt and money advice is available from the following charities and organisations:


*Viva Money uses a soft search to check which lenders may accept you. This does not affect your credit score.
If you're matched with a lender and decide to apply, they will carry out a creditworthiness assessment. This will include a hard credit check or an Open Banking search, or both. Being matched doesn't guarantee the lender will accept your application.
A hard credit check can stay on your credit file for up to 12 months. Several hard checks in a short period could lower your credit score.

**How quickly the money reaches your account depends on the lender and your bank.