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6 min read → New job
New job expenses loan
Starting a new role often means spending before your first pay cheque arrives — uniform, travel pass, tools, or a work wardrobe. A Cash Train loan bridges the gap so you can start without stress.
Apply now →Unregulated lender • Apply online — decision in minutes
Typical new job costs
What does starting a new job actually cost?
Work uniform or clothing
£100–£400
Smart workwear, safety boots, or branded uniform. Some employers reimburse over time — but you need it from day one.
Travel season ticket
£150–£600
Monthly or quarterly rail and bus passes. A lump-sum season ticket saves money long-term but requires cash upfront.
Tools and equipment
£100–£1,000
Trade, tech, or creative roles often require your own tools before work can begin.
Relocation or first-month rent
£500–£2,000
Moving to a new city for a role means deposit and advance rent well before your first salary lands.
Loan options
Choose the right amount
Whether you need a small boost for a travel card and work shoes or a larger sum to fund a full relocation before your first pay cheque, there is a tier to suit. All loans come with fixed monthly repayments and no early repayment fee.
Quick
£100–£500
1–3 months
Uniform, season ticket, or basic equipment before your first pay day.
Apply now →Flex
£500–£2,000
3–12 months
Season ticket, tools, and a wardrobe upgrade — repaid from your new salary over time.
Apply now →Plus
£2,000–£5,000
6–24 months
Full relocation: deposit, advance rent, and kit — everything you need to start confidently.
Apply now →
Simple process
How it works
Apply online
Tell us the amount you need and what it's for. No commitment and no credit check at this stage — takes 2 minutes — no hard credit check at this stage.
Fast decision
complete your full application online. We aim to give a same-day decision so you can sort your kit before the start date.
Money to your account
If approved and your loan agreement is signed, funds are transferred directly to your bank account — ready to cover whatever your new role demands.
Common questions
New job expenses loan FAQs
Yes. As long as you can demonstrate the role is confirmed — for example by showing your offer letter — you can Apply online now. Once we launch, we will assess your application based on your new income.
Some employers offer a salary advance, a starter uniform allowance, or season ticket loans once you are on payroll. Check with HR first — these are interest-free and always worth taking before borrowing externally.
Delays happen. If your start date shifts after you have received funds, contact us as soon as possible. You remain liable for the loan in the normal way, but we will work with you on repayment timing where we can.
Yes. If your new role requires an upfront licence, accreditation, or certification fee, that is a legitimate use of a new job expenses loan.
Start your new role without financial worry
Apply online — get a fast decision with fixed monthly payments.
Apply now →Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk