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CashLady - A faster way to apply for a payday loan online.

Secure your payday loan in just 2 minutes. No fees, no hassle, no problem.

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

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Choosing means your loan application will be seen by more direct lenders to improve your success rate.

CashLady is a broker, not a lender. We are here to help you find the right loan when you need it most.

Representative Example: Borrow £250 for 3 months. Number of repayments: 3. Each repayment: £137.21. Total repayable: £411.63. Interest rate per annum: 292% (fixed). APR 1272% Representative (Read more).

Total cost is capped at 100% of the amount borrowed. Daily interest is capped at 0.8%. APR rates vary from 48.9% to 1333%.

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

Borrow money quickly and safely

If you need to borrow money quickly and safely, submitting a payday loan application with CashLady guarantees you will be considered by multiple lenders in minutes.

Our 256 bit encryption technology means your personal details are always safe and secure while we find you the best loan offer.

What is a Payday Loan?

A Payday loan is a form of short term credit, often used by people who require a quick cash injection to help them through a financial emergency.

This type of personal finance has become increasingly popular in recent years. Consumers can make quick, discreet, online loan applications - often from the comfort of their mobile phone.

The speed and convenience of a payday loan can be very important in an emergency.

Because payday loans are designed to be borrowed over very short periods, the interest rate will normally be higher than longer term personal loans.

A payday loan term could last from 61 days and up to 6 months.

Basic requirements

Before applying for a payday loan, check if you meet the following eligibility criteria:

  • You must be at least 18 years old
  • Must have a UK Bank account
  • You must be a UK resident
  • You must be in full employment
  • Late or missed payments could incur fees
What are payday loans?

Reasons to apply with CashLady

  • One of the UK’s oldest online credit brokers (Established in 2008).
  • Authorised and regulated by FCA
  • Over 3 million payday loan applications processed
  • We help people with bad credit.

Apply for loans with bad credit here.

In 2016 we were awarded credit broker of the year and came runner up in 2017 and in 2018.

We care about treating customers fairly and promise:

  • 100% fee free! No upfront fees, hidden fees or broker fees - ever
  • We keep your personal data secure at all times
  • We never pass on your details to third parties for marketing
  • We only work with FCA authorised credit providers
What are payday loans?

What do you need to consider before applying for a loan?

Before you make an application, it is important that you consider whether a payday loan is the best option for you and the situation you are currently in. This guide will help you understand the dangers of payday loans better.

Payday loans are designed to help you deal with financial emergencies or unexpected expenses

These often include:

  • Sudden change in income
  • Medical bills
  • Car repairs
  • Broken boilers
  • Funeral expenses
  • Urgent home improvements

Short term credit products should not be used as an additional source of income

Please note, you can create long-term debt if you do not understand and use payday loans responsibly.

How does an online application work?

Applying for a loan online is usually straightforward. You will need to inform the lender of some key information about your personal and financial circumstances and in most cases, you will receive a decision within two minutes.

If your loan application is successful, you will complete your credit agreement directly with your approved lender.

What are payday loans?

Before your loan is approved your loan provider will carry out an affordability check and a full credit search to make sure you meet the requirements of their decision process.

If successful, you could have the money in your bank account the same day (this can depend on the time of day you apply and the capabilities of your credit provider).

Benefits of payday loans


Submitting your application at, you will receive a decision in less than 2 minutes. If approved, the money can often reach your account within the hour. (terms can vary from lender to lender).

Easy to access

Everything can be completed online - from completing your application to signing your credit agreement. The Cashlady website is fully mobile optimised so you can manage your application process from anywhere.

FCA protection

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 (per month)
  • Double the original loan amount

These rules help protect millions of borrowers by limiting their exposure to debt and making sure lenders put customer needs first.

What to do if you can’t repay your loan

If you cannot meet your monthly repayments, inform your creditor about your financial difficulties first.

This article explains what you should do when you cannot repay your debt.

If you would like to speak with an advisor about managing your debt, contact

Do you have more questions?

If you have any questions about CashLady or payday loans, visit our FAQ page for more information.

Warning: Late repayment can cause you serious money problems. For help, go to is a credit brokerage website owned and operated by Money Gap Limited. We are not a lender and do not provide credit to consumers. If you make an application through this site it will be shown to a selection of UK based lending partners for careful consideration. Applicants must be 18 years or over and approval is subject to status. We will never charge a fee for our service, but do receive a commission from lenders following successful introductions originating from this website. Any information we provide is for the strict purpose of illustrating the lending process only and does not constitute any form or financial or legal advice.

Money Gap Limited is a company registered in England and Wales with company number 6617413.
Registered Office: 89 New Bond Street, London W1S 1DA. Correspondence address: 14 Grays Inn Rd, London WC1X 8HN. Authorised and regulated by the Financial Conduct Authority. You can find us on the FCA Register with Reference number 726151. Data Protection Registration Number Z1696368. is a trademark and trading name of Money Gap Limited. Copyright ©2019 Money Gap Limited. All Rights Reserved.