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

Representative 1272% APR
Representative Example
Borrow £200 for 35 days
Total in one repayment: £256
Interest rate p.a: 292% (fixed)
Interest payable: £56
Representative 1272% APR
Representative 1272% APR
Representative Example
Borrow £200 for 35 days
Total in one repayment: £256
Interest rate p.a: 292% (fixed)
Interest payable: £56
Representative 1272% APR
Things to consider
Even though Cash Lady only deals with short term lenders, you can still end up with long-term debt if you don't use loans responsibly. (Read more...)
CashLady is a licensed credit
broker.

Payday Loans UK- See the Difference with Cash Lady

Convenience, Flexibility and Trust

CashLady is a leading short term loan website helping people search short term loans suited to their needs. We are connected to most of the UK top short term lenders and have been brokering payday loans for nearly a decade now. Using our smart scan technology, we give you access to the major UK lenders all in one go. We are secure, and committed to treating our customers fairly so you can safely apply online with us. We only work with established, trustworthy lenders who are FCA regulated and committed to responsible lending.

Treating Customers Fairly

We care about treating customers fairly and we follow this with:

  • No upfront fees, hidden fees or broker fees, ever
  • Keeping your data secure at all times
  • Not passing on your details to third parties for marketing
  • Working with reputable and licensed payday lenders

Our Technology Advantage

The secret is in our unique proprietary technology that connects borrowers directly with all the major UK short term lenders. When you apply with Cash Lady, your application will be considered in real-time by multiple leading payday lenders in the UK including QuickQuid, PayDayUK, Sunny, Satsuma and more.

You start with the application page and by adding how much you wish to borrow, how long for and your basic details, we will send your requirements to several lenders at once – so you will get a result there and then and if approved, we will be put you in touch with a lender who is willing to fund your loan.

In terms of technology, we use a decision tree that quickly matches your application with lender criteria and requirements. When building our system, we made sure that routing decisions were being taken in the best interests of the customer. As our system instantly sends a payday loan application to several lenders at the same time, the acceptance rates are normally higher and the results are faster. You can expect an approval or rejection based on the responses we get from our lenders.

How CashLady.com is different

CashLady is different in many ways. Apart from having multiple lenders in or panel as a specialised payday loans UK broker, we also offer a competitive APR based on the fact that at least 51% of our customers receive this or better.

QuickQuid1270% APR
Mr Lender1270.1% APR
Cash Lady1272% APR
Sunny Loans1295% APR
Wonga1509% APR

What are payday loans?

Payday Loans are short terms loans designed to help you deal with unexpected monthly expenses and bills. It is a convenient type of finance for when you need money. They are particularly effective in helping you handle temporary income shocks due to unforeseen expenses, a sudden change in income flow, or immediate cash needs which are unavoidable – such as medical bills, car repairs, broken boilers, funeral expenses and urgent home improvements.

The idea is that you can receive the money you need in one lump sum to pay for your emergency and then repay the loan and interest repayments on your next pay date, when you receive your income from work.

The lenders we work with allow you to borrow between £80 to £500 and receive payday loans online within 24 hours if need be. A typical loan lasts for 30 days with some lenders allowing you repay over 1 to 6 months in equal monthly instalments.

New rulings from the Financial Conduct Authority state that borrowers will never pay more than:

  • 0.8% interest per day
  • £24 per £100 borrowed
  • Double the amount they have borrowed.

What Is The Criteria For Applying?

To be eligible, you must be at least 18 years old to apply and be a UK resident. You must have a valid mobile number and email address as this will be required to read and confirm your loan agreement and also so the lender can get in touch with you. You will be required to have a debit account as this is where the funds will be transferred to and the collections will be made from.

Ideally, you need to be in full-time or part-time employment earning at least £500 per month. Being employed means that the loan repayment will coincide with your next payday and you will have sufficient income to repay the loan on time. Applications are not usually accepted from those who are unemployed.

What Checks Are Carried Out By Payday Lenders?

The lenders we have partnered with are required by law to assess the affordability of each application prior to approval. These methods include running credit checks to get an idea of your current debt and how well you have paid other types of loans in the past. This information will be provided by credit reference agencies such as Experian, Equifax and CallCredit and when the lender retrieves this information, it will leave a small footprint on your credit record.

In addition, loan providers will try to understand how much you can afford to borrow and repay by confirming your employment and salary – so you may be required to provide proof of this. Lenders may also need confirmation that the information you supply is correct and they verify this with a phone call or email.

The use of technology allows our lenders to automate most of the affordability assessment and analysis, however, some manual underwriting may be necessary as well.

How Do Repayments Work For Payday Loans UK?

Your loan repayments are collected from your debit account on your pay date via a process known as Continuous Payment Authority. This process enables lenders to collect the money from your account automatically, saving you the hassle of setting up a direct debit or calling up to repay over the phone.

Lenders can only try access your debit account a maximum of two occasions on your repayment date. To ensure that there are no surprises, they will always send you reminders by email and SMS so you know when repayment is due.

If you find that you are in a position to repay early with your lender, you can call them to discuss your options. All you may need to do is call up the lender or log into their website portal and you can repay. It will usually be cheaper to clear your debts early, as you will only be charged the daily interest that you have had the loan open for.

Implications of non-repayment

It is always advisable to try to avoid non-payment. When you apply for a payday loan you should calculate your monthly residual income and your future ability to repay the loan in full. If you fail to make your repayment on time, you may be charged a default fee of up to £15 maximum. This is dependent on the lender and individual fee’s can be found within the loan agreement.

If you cannot repay your loan, a note of any failed payments may be sent to a credit reference agency and this may have a negative impact on your credit score. If you think there might be an issue with an upcoming repayment it is advisable to contact the lender as soon as possible or visit MoneyAdviceService.org.uk.

Renewal Policy

If you wish to renew your loan, you should contact your lender in advance. Most lenders will charge the same rate of interest and fees for another month on the entire amount owed. In the event of non-payment, a loan renewal/extension could be automatic and further interest and/or charges may be added to your account.

Rollover Policy

You may have the opportunity to roll over your loan up to two times, which means paying off the interest earned to date and continuing to gain interest on the original loan amount over an extended term. This interest will most likely be at the same rate that the original loan was charged at. Some lenders may be able to extend your loan to a 6 month period.
See more things to consider before applying.

Get In Touch

We'll use plain English whenever you deal with us and make sure that we put things as simply as possible. If there's anything you're not sure about, and it's during office hours (9am-5pm Mon-Fri), just ask. You can contact us for free in a number of ways so visit our contact us page for more information.

Who can apply

You can apply as long as:

  • You are at least 18 years old
  • Employed with a regular income source
  • A UK resident with a UK bank account

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Customer Satisfaction and Reviews

CashLady is rated 4.49 stars by Reviews.co.uk based on 92 merchant reviews

A payday loan is a short-term loan, usually for a month. They're designed to be repaid when you receive your next monthly wage. If you want your application to only be seen by payday lenders, select one month’s loan duration on your application.
(Read more...)
A flexible payday loan is a short-term loan that can be extended and repayed over up to 6 months with monthly repayments. Early repayment is possible usually without any penalty. Most online payday lenders offer this feature as standard for better affordability
(Read more...)
A line of credit is a more ongoing solution and is like a payday loan extended over 12 months. A line of credit allows you to add funds when you want and charges you for the days when you use the credit. It can be linked directly to your bank account to automatically add credit whenever you are about to go over your overdraft limit to help you avoid charges.
(Read more...)
Guarantor loans are longer term loans for larger amounts of money and you will need a willing friend or family member to be prepared to take over repayments if you do not repay on time. They play a role in the payday loan space because sometimes a lender may require further guarantee in order to provide the loan so these loan can be a substitue. They usually offer lower APR.
(Read more...)

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