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

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

Payday Loans UK- Borrow from 3 to 6 months

Convenience, Flexibility and Trust

CashLady is a leading UK online loan website helping people search small online loans suited to their needs. We are connected to most of the UK top subprime lenders and have been brokering small 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 is different

CashLady is different in many ways. Apart from having multiple lenders on our panel as a specialised UK short term 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.

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

What are payday loans?

Payday Loans are 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 £750 and receive you cash within 24 hours if need be. A payday loan could last from a minimum of 61 days to up to 6 months.

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.

How Do Our Online Loans Work?

Applying for a loan is usually straightforward and can be fully automated online. In most cases, you get a response within two minutes whereby we will present you with a loan agreement from that lender. From this point onwards, you will deal with the lender directly. They will carry out an affordability check and providing you meet the requirements, you will be able to sign the loan agreement with them. If all goes well, you could have the money in your bank account the same day. Read more on how it works applying with CashLady and also how do payday loans work.

What Happens if I Get Declined?

Usually this happens because of several common reasons:

  • Meeting the basic criteria
  • Existing loan application with the lender
  • Outstanding loan with the lender
  • Affordability reasons

If we cannot find a lender that will accept you application, we will present you with some alternative options, depending on your circumstances. There are still some options available you may wish to pursue. This could be in the form of credit cards, guarantor loans, cash to your door, credit unions near you or even logbook loans if you own a car.

Planning Ahead to Avoid Costly Loans

It is always advisable to plan ahead and keep enough money to help you through when in an 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. You will save money this way.

Start small by putting aside as much as you can and slowly, little by little, you will see your saving pot will grow. When you reach your desired goal, find a way to block that money away so it can only be used in emergeny situations. Read more on what you need to save for emergencies.

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 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.

Will Short Term Loans affect my Credit Score?

As with any other kind of loan, Short term loans can appear on your credit report. This is why paying on time is so important. If you are unable to pay on time it is very important you contact your lender directly and ask for help in order to avoid a negative impact.

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 statuatory report from any of them for £2. Read more about the potential impact of short term loans on your credit report.

How Does Loan Repayment Work?

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 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 repayment it is advisable to contact the lender as soon as possible or visit

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 4.64 stars by and Smart Money People based on 227 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