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Award-Winning Short Term Payday Loans

Apply Now Online for £80-£2000. Secure UK loans online with more lenders & higher acceptance rate than any single short-term loan provider when you choose CashLady.

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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 68.7% to 1294.9%.

CashLady is a broker, not a lender. We are here to help you find the right loan when you need it most. As a leading, award winning credit broker, we work with the UK’s most trusted short-term loan providers and over the years have helped millions apply for short term credit.

Fast Online Loan Decisions

If you need to borrow money quickly and safely, you may discover that,a simple application process is the easiest way to receive an instant decision. Using our smart scan technology, CashLady gives you immediate access to many of the UK’s best short term 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 for short term loans online, through our website. We only work with established, trustworthy - FCA authorised lenders, giving you both protection and peace of mind.

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 I have read, understood and accepted 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.
At CashLady we take your privacy & data protection very seriously. As our customer, you have the right to change/ opt out of any marketing permissions you have previously given consent to at any time by request. We would like to keep you regularly informed about financial products & offers from both ourselves and FCA authorised 3rd parties which we believe will be of interest. Please tick at least one of the boxes below if you want to be kept informed about relevant financial marketing offers from CashLady and selected partners of Money Gap Ltd.
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Important information

Short term loans and 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 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.

Online Payday loans should not be used as an additional source of income.

Read more on what are UK payday loans.

Things to consider

CashLady is a free online service available 24/7. We are authorised and regulated by the FCA and only present online 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).

Online Loans - How Do They Work?

Applying for a loan online is usually very straightforward. In most cases, you will get a response within two minutes.

If your loan application is successful, you will complete your loan application with one of our approved loan providers.

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

If all goes well, you could have the money in your bank account the same day. To find out more, read our informative guide.

Payday loans in the UK

In the UK, payday loans are provided by a number of UK lenders authorised and regulated by the FCA. It is important for your safety that you only enter into financial agreements with companies that appear on the official FCA register.

CashLady is a regulated UK credit broker that specialises in helping our customers find the best loan solution for their needs.

If you want a quick decision from a UK based lender, our fast, secure online process can help.

We work with an extensive list of lenders based in the UK

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 FCA authorised loan providers

How Much Money Can I Borrow?

  • At CashLady, we work with a panel of FCA approved loan providers, most of whom will allow you to borrow between £80.00 to £2000.00
  • If your online loan application is accepted, you will normally receive your cash within 24 hours.
  • Loan terms offered can vary from 61 days and up to 12 months
Instant Payday Loans? Apply online with Cashlady UK

How is CashLady Different?

Apart from having multiple lenders on our panel as a specialist short term credit broker, we 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 1294.9% APR
Mr Lender 1256.5% APR
CashLady 1272% APR
Sunny Loans 1291% APR
Wonga 1509% APR

How Will You Choose The Right Lender For Me?

When you apply for a loan with Cashlady, our system will quickly present your credit application to our panel of UK based loan providers, Each lender will have their own, unique decision criteria based on a number of important factors.

Because our lenders are all FCA authorised, it means that they must all adhere to the FCA rules regarding pricing and affordability.

We know that most of our customers prioritise a successful loan decision above all else.

Based on your requirements, information submitted and the lenders' criteria of our lending partners, we make sure your application is matched to the loan provider most likely to issue you the requested funds.

What Is The Criteria When Applying For A Loan?

To be eligible for a loan through Cashlady, 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 short term 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.

Loan applications are not usually accepted from those who are unemployed.

What Checks Are Carried Out By Short Term 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, short term 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 supplied on your application form is correct and they will verify this information with a phone call or email.

Cashlady instant offer for £1500

What Happens If My 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 loan with another lender
  • Affordability reasons

If we cannot find a lender that will accept your 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
In addition, in this article we gathered a few tips that may help you to get your loan application approved.

Will A Short Term Loan Affect My Credit Score?

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

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

If you are unable to make your 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 I Repay My Loan?

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 to access your debit account a maximum of two occasions on your repayment date.

To ensure that there are no surprises, they will normally send you reminders so you know when repayment is due.

Can I Repay My Loan 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 a loan repayment online.

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.

What Happens If I Cannot Repay My Loan?

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

When you apply for any type of short term credit 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, the best thing to do is contact your lender as soon as possible or visit

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Online Loan Technology - Fast Results

At Cashlady, we use an efficient decision tree that quickly matches your loan application with the right lender.

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

Because our system instantly sends your 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.

Short Term Credit - FCA Guidelines

The HCSTC (High Cost Short Term Credit) sector has been regulated since 2014 by the FCA.

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.

These rulings have helped protect millions of people by limiting their exposure to debt and making sure that lenders put customer needs first.

Short term credit provides thousands of people every day with access to emergency funds. FCA authorised credit providers help ensure best practice is always maintained

Plan Ahead to Avoid Costly Loans

Start planning ahead to avoid costly loans

It is always advisable to plan ahead and save enough money 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 saving for emergencies.

How to Get In Touch with Us?

If you need to get in touch with CashLady, you can do so in a number of ways.

We always treat our customers with respect and use straightforward, plain English whenever you speak to us.

If there is anything you are not sure of on our website, 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 free of charge – just visit our contact us page for more information on how to contact our customer support.

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