Loans by purpose

Loans by purpose

Not all emergencies are the same. Cash Train covers a wide range of unexpected costs — choose the one that matches your situation for tailored information.

Car & vehicleRepairs, MOT, breakdowns Home improvementsRenovations & repairs Boiler & heatingReplace it before winter Medical & dentalTreatment that can't wait Special occasionsWeddings, holidays & more Debt consolidationOne fixed monthly payment
Browse all

Every loan purpose, A–Z

Boiler repair

£100–£3,500

Cover emergency repairs or full boiler replacement. From a simple fault to a new system — fast funds with fixed monthly repayments.

Home emergency Same day
See details →

Car repair

£100–£5,000

MOT failure, clutch, engine work. Get back on the road without emptying your account in one go.

Vehicle Same day
See details →

Emergency bills

£100–£5,000

Unexpected utility bills, council tax arrears, dental costs, or any one-off expense that lands at the wrong time in the month.

General Same day
See details →

Vet bills

£100–£5,000

Emergency treatment for dogs, cats, or other pets. Pay the vet today and spread the cost over months, not one painful lump sum.

Pet emergency Same day
See details →

Home improvement

£500–£5,000

Kitchen update, bathroom refit, garden project, or essential structural repair. Fund the work without draining savings.

Home Planned
See details →

Dental treatment

£100–£5,000

Private dental work, orthodontics, or an emergency procedure you can't get on the NHS. Fixed monthly repayments.

Health Dental
See details →

Wedding

£500–£5,000

Ring, venue deposit, photography, honeymoon. Bridge the gap between your budget and the day you've planned.

Celebration Planned
See details →

Debt consolidation

£500–£5,000

Combine multiple smaller debts into one fixed monthly payment. Important: only makes sense if the numbers work in your favour — read first.

Debt Consolidation
See details →

School fees

£100–£5,000

Uniforms, trips, private tuition, or childcare deposits. Spread education costs across manageable monthly payments.

Education Planned
See details →

Funeral costs

£500–£5,000

A dignified farewell shouldn't mean financial distress. Cover funeral costs and spread the bill with fixed repayments.

Bereavement Urgent
See details →

Moving house

£100–£5,000

Removal van, overlapping deposits, storage, and first-month essentials. Bridge the financial gap of a home move.

Home move Planned
See details →

Rent deposit

£100–£5,000

Pay your new tenancy deposit before recovering the old one. Fast approval, fixed repayments.

Renting Urgent
See details →

Holiday

£100–£5,000

Book now, spread the cost. From a UK break to a long-haul family holiday — manageable monthly repayments.

Travel Planned
See details →

New baby

£100–£5,000

Prams, nursery furniture, baby equipment, and childcare deposits. Get ready without the financial stress.

Family Planned
See details →

Appliance repair

£100–£2,000

Broken washing machine, fridge, or cooker. Repair or replace without waiting — fixed cost loan.

Home emergency Same day
See details →

Roof repair

£100–£5,000

From a single tile repair to a full re-roofing job. Don't let a small leak become a big problem.

Home emergency Urgent
See details →

Driving lessons

£100–£2,000

Intensive crash course or block of standard lessons. Fund your full learning-to-drive journey.

Education Planned
See details →

Medical treatment

£100–£5,000

Private consultant, MRI, physiotherapy, or planned surgery. Don't wait years on an NHS list.

Health Planned
See details →

Technology

£100–£2,000

Broken laptop, cracked phone screen, or a new device for work. Repair or replace — same day funds.

Tech Same day
See details →

Insurance excess

£100–£2,000

Pay your car, home, pet or travel insurance excess immediately so your claim can proceed.

Insurance Urgent
See details →

Legal fees

£100–£5,000

Solicitor costs, divorce proceedings, probate, or employment tribunal preparation. Fund the legal help you need.

Legal Planned
See details →

Fertility treatment

£500–£5,000

IVF, IUI, or initial investigations. Up to £5,000 to help cover the cost of the next step.

Health IVF
See details →

Christmas loan

£100–£2,000

Spread the cost of Christmas over manageable monthly payments. One fixed-rate loan beats store cards and BNPL stacking.

Seasonal Planned
See details →

Cosmetic surgery

£500–£5,000

Laser eye surgery, dental veneers, rhinoplasty or elective procedures. Fund the investment in yourself.

Health Elective
See details →

Car purchase

£500–£5,000

A deposit, a top-up on savings, or the full cost of a budget used car. Your own wheels, on your terms.

Vehicle Planned
See details →

New job expenses

£100–£5,000

Work wardrobe, tools, commuting costs, or first-month relocation. Start your new role on the right foot.

Career Planned
See details →

Council tax arrears

£100–£3,500

Clear council tax debt before a liability order or bailiff referral. Stop the escalation with one fixed payment.

Debt clearance Urgent
See details →

Energy debt

£100–£2,000

Clear gas and electricity arrears before your supplier installs a prepayment meter or refers to collections.

Bills Urgent
See details →

Glasses & hearing aids

£100–£5,000

Prescription glasses, varifocals, private hearing aids, or laser eye surgery. Vision and hearing are essential.

Health Vision
See details →

Garden & landscaping

£100–£5,000

Decking, patio, fencing, new turf, or a full garden redesign. Add value to your home outdoors.

Home Planned
See details →

Kitchen renovation

£500–£5,000

New kitchen doors, a full kitchen refurb, or bathroom renovation. One of the highest-return home investments.

Home Planned
See details →

Redundancy bridge

£100–£2,000

Cover essential bills between jobs or while waiting for redundancy pay to arrive. A short-term bridge, not a long-term solution.

Income gap Urgent
See details →
One application

We handle the tier selection for you

You don't need to know which product you need. Tell us the amount, we'll match you to the right tier — Quick, Flex, or Plus — based on your needs and affordability. One application covers the full range from £100 to £5,000.

Apply now →

Want to see the numbers first?

Use our indicative loan calculator to see estimated monthly payments before you register.

Open calculator →
Available across the UK

Find a loan near you

Cash Train lends to UK residents nationwide. Browse local guides for your city.

Wolverhampton Walsall Dudley Solihull Sutton Coldfield West Bromwich Telford Worcester Tamworth Blackpool Blackburn Oldham Rochdale Wigan St Helens Warrington Stockport Salford Bury Burnley Chester Crewe Middlesbrough Gateshead Darlington Hartlepool Stockton-on-Tees Bradford Halifax Huddersfield Wakefield Doncaster Rotherham Barnsley Harrogate Scarborough Northampton Mansfield Chesterfield Lincoln Kettering Ipswich Colchester Chelmsford Basildon Southend-on-Sea Peterborough Bedford Portsmouth Southampton Crawley Maidstone Gillingham Woking Slough Watford St Albans Guildford Eastbourne Worthing Milton Keynes High Wycombe Bournemouth Poole Swindon Gloucester Cheltenham Newport Wrexham Paisley Stirling Inverness London Manchester Birmingham Leeds Bristol Sheffield Liverpool Edinburgh Cardiff Nottingham Glasgow Leicester Newcastle Coventry Reading Southampton Portsmouth Brighton Oxford Cambridge Plymouth Norwich Swansea Derby Wolverhampton Sunderland Bradford Stoke-on-Trent Luton Milton Keynes
Common questions

Cash Train loan FAQs

Cash Train offers personal loans from £100 to £5,000 across three tiers: Quick (1–3 months), Flex (3–12 months) and Plus (6–24 months). Each tier is matched to your borrowing amount and repayment horizon. We select the best-fit tier automatically based on your application.

Decisions take under 2 minutes. If your application is approved before 3 pm on a working day, we aim to transfer funds the same working day via Faster Payments.

You can borrow between £100 and £5,000. The exact amount available to you is confirmed after a credit and affordability assessment at the time of your full application.

No arrangement fees, no annual fees, and no early repayment penalty. You pay interest only for the days you borrow — nothing hidden, nothing extra.

Apply for a Cash Train loan today

Get a decision in minutes — fixed monthly payments, no hidden fees.

Apply now →

Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk

Check your rate →