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CashLady - Best UK Payday Loans Online

More lenders & higher acceptance rate than any single direct lender when you choose

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

Representative Example: Amount borrowed: £250 for 3 months. Number of repayments: 3. Interest rate p/a: 292% (fixed). Each repayment amount: £137.21. Total repayable: £411.63. APR 1272% Representative. (Read more)

At Cash Lady, we are here to help you find the right loan when you need it most. As a leading, ethical credit broker, we work with the UK’s most trusted short-term loan providers and have been quietly helping millions of UK consumers apply for instant payday loans for almost a decade.

Apply now for fast payday loan decisions

If you want to compare payday loans, you may discover that one, simple application form is the easiest way to receive an instant decision. Using our smart scan technology, we give you immediate access to many of the UK’s best payday loan providers – saving you both time and money.

At CashLady, we focus heavily on security and are 100% committed to treating our customers fairly – which means you can safely apply online through our website. We only work with established, trustworthy and importantly - FCA authorised - UK payday loan providers. This gives you both protection and peace of mind.

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 I have read, and accept the CashLady Privacy Policy and the CashLady Website Terms. I consent to my application being sent to lending partners of CashLady. I further understand and consent that in assessing my application, lenders may send my details to Credit Reference Agencies and Fraud Prevention Agencies. I confirm that I have provided accurate financial information regarding my financial circumstances and considered potential future income and outgoings when determining my ability to repay the loan in full.
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Warning: Late repayment can cause you serious money problems. For help, go to

What are payday loans?

Payday Loans are designed to help you deal with unexpected monthly expenses or urgent bills. They are a useful type of personal finance when you need money urgently.

They are particularly effective in helping you handle temporary financial emergencies due to unforeseen expenses such as;

  • A sudden change in income
  • Medical bills,
  • Car repairs,
  • Broken boilers,
  • Funeral expenses
  • Urgent home improvements.

The idea of a quick payday loan is that you receive the money you need in one lump sum to pay for your emergency.

You can then repay the loan (plus interest repayments) as soon as you receive your next wage or salary.

Things to consider

CashLady is a free online service available 24/7. We are authorised and regulated by the FCA and only present loan applications to UK based, FCA authorised lending partners. If successful, you will complete your loan with a direct lender. Please note, you can create long-term debt if you do not understand and use personal loans responsibly. (Read more).

How Do Online Payday Loans Work?

Applying for a loan is usually straightforward and can be fully automated online. In most cases, you will get a response within two minutes, whereby we will present you with a loan agreement from one of our selected short term loan providers.

From this point forwards, you will deal with the lender directly, where they will then carry out an affordability check and (providing you meet the requirements), you will be able to sign your loan agreement with them.

If all goes well, you could have the money in your bank account the same day. Read more on how do payday loans work.

Treating Customers Fairly

We care about treating customers fairly and we promise:

  • No upfront fees, hidden fees or broker fees - ever
  • Keeping your personal data secure at all times
  • Never passing on your details to third parties for marketing
  • Always working with reputable and licensed payday lenders

How much can I borrow?

  • At Cash Lady, we work with a panel of regulated short-term loan providers, most of whom will allow you to borrow between £80.00 to £1000.00
  • If your online payday loan application is accepted, you will normally receive your cash within 24 hours.
  • A payday loan term could last from 61 days and up to 6 months

If you want to compare payday loans, you may discover that one, simple application form is the easiest way to get an instant offer.

How is CashLady different?

CashLady is different in many ways.

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

The minimum APR you will get from us will be 68.7% APR and the maximum will be 1295% APR. Here is how we compare to other lenders and brokers in the market:

QuickQuid 1270% APR
Mr Lender 1270.1% APR
Cash Lady 1272% APR
Sunny Loans 1295% APR
Wonga 1509% APR

How do I know you choose the best lender for me?

Our system does that for you, based on your requirements and our lenders' criteria. When ranking lenders we make sure to put the customer's best interest first.

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Our Technology Advantage

The secret is in our unique proprietary technology that connects borrowers with all the major UK short-term loan providers.

When you apply for payday loans online through Cash Lady, your application will be considered in real-time by multiple leading UK payday lenders including; QuickQuid, PayDayUK, Sunny, Satsuma and many more.

Many of the best payday loans are issued the same day

To begin, start with our quick online application page and tell us;

  • How much you wish to borrow?
  • How long for?
  • Some basic personal details.

We will then send your loan application to several lenders at once – meaning you will get a result there and then.

If your instant payday loan application is approved, we will put you directly in touch with the lender who is willing to fund your loan.

Advanced technology at your disposal - delivering fast results

we use an efficient decision tree that quickly matches your payday loan application with various lender criteria.

When building our platform, we made sure that routing decisions were being taken in the best interests of the customer.

Because our system instantly sends your payday loan request to several lenders at once, the acceptance rates are normally much higher and the results are much faster.

You can normally expect an approval or rejection based on the responses we get from our lenders in less than 2 minutes.

FCA Guidelines – Short-term Lending Industry

In 2014 the FCA introduced important guidelines for the short-term loan industry. 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.

How Do Our Online Loans Work?

Applying for a loan is usually straightforward and can be fully automated online.

In most cases, you will get a response within two minutes, whereby we will present you with a loan agreement from one of our selected short term loan providers.

From this point forwards, you will deal with the lender directly, where they will then carry out an

affordability check and (providing you meet the requirements), you will be able to sign your loan agreement with them.

If all goes well, you could have the money in your bank account the same day.Read more on how do payday loans work.

Planning Ahead to Avoid Costly Loans

It is always advisable to plan ahead and keep enough money in the bank to help you through times of financial emergency.

Our recommendation is to save the equivalent of three times your monthly salary.

Save & plan for the unexpected so that when it does come, you can comfortably pay what you owe without having to turn to costly alternatives.

By carefully managing your personal finances and budgeting correctly, you could save a lot of money.

Start small by slowly putting aside as much as you can.

Little by little, you will see your savings pot grow.

Try to find a way to keep that money away from your day to day bank accounts so it can only be used for emergency situations.

Read more on what you need to save for emergencies.
Start planning ahead to avoid costly loans

What Is The Criteria When Applying For A Payday Loan?

To be eligible for a payday loan, you must be at least 18 years old 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.

It is also required so the lender can get in touch with you.

You will also need to have a debit account as this is where the funds will be transferred to and where the collections will be made from.

Ideally, to be considered for a payday loan, 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.

Payday loan applications are not usually accepted from those who are unemployed.

What Checks Are Carried Out By Payday Lenders?

The lenders we partner with are required by law to assess affordability for each loan 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 or financial commitments in the past.

This information will be provided by credit reference agencies such as Experian, Equifax or Callcredit and when the lender retrieves this information, it will leave a small footprint on your credit record.

In addition, payday 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.

Online payday loan lenders may also need confirmation that the information you supplied on your application form is correct and they will verify this information with a phone call or email.

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

What Happens if my Payday Loan Application is declined?

Usually this happens because of several common reasons:

  • Not meeting the minimum basic criteria
  • Existing loan or pending application with the lender
  • Outstanding payday loan with another lender
  • Affordability reasons

If we cannot find a lender that will accept your payday loan application, we will present you with some alternative options, depending on your circumstances.

There are still some options available you may wish to pursue. These could be in the form of;

  • Credit Cards
  • Guarantor loans
  • Cash to your door
  • Credit unions
  • Logbook loans

Will This Affect My Credit Score?

As with any other type of personal loan, short-term or payday loans can appear on your credit report.

This is why paying your loan repayments on time is so important.

If you are unable to make your payday loan repayment(s) on time it is very important you contact your lender directly and ask for help in order to avoid a negative impact on your credit file.

If you do have a negative impact on your credit file, it may prevent you from obtaining loans or other forms of credit in the future.

Lenders share the details of your loan with credit reporting agencies such as Callcredit, Experian and Equifax.

Should you wish to do so, you are entitled to get your statutory report from any of them for £2.00.

For more information, read about the potential impact of short term loans on your credit report.

How Do Payday Loan Repayments Work?

Your loan repayments will be 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 bank account automatically, saving you the hassle of setting up a direct debit or calling up to repay over the phone.

Importantly, this process means you should never miss a loan repayment and help protect your credit score.

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.

Can I Repay My Payday Loans Early?

If you find that you are in a position to repay your loan early, you can always call your lender to discuss your options.

Depending on your loan provider, all you should need to do is make contact by telephone or log onto their website portal so you can make an instant loan repayment.

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

When taking out any type of personal loan, it is always strongly advisable to try and avoid non-payment.

When you apply for a payday loan you should calculate both your monthly residual income and your future ability to repay the loan in full. If you fail to make your loan repayment on time, you may be charged a default fee of up to £15.00 (maximum). This fee is dependent on the lender and details of individual fees 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 payment, it is advisable to contact the lender as soon as possible or visit

Payday Loan Renewal Policy

If you wish to renew your payday loan, you should contact your lender in advance.

Most payday loan providers will charge the same rate of interest and fees for an additional 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 up to a 6 month period.

For more information visit our page: things to consider before applying.

How to Get In Touch?

At Cash Lady we will always use plain English whenever you deal with us and make sure that we put things as simply as possible for you to understand.

If there is anything you do not understand or simply want some more in depth information about our service - just ask.

Our office hours are 9am-5pm Mon-Fri.

You can contact us for free of charge in a number of ways so visit our contact us page for more information on how to get in touch with Cash Lady.

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