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

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

Payday Loans With Cash Lady
Our Quick Payday Loan Advantage

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 and Satsuma.

You start with the apply now 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 instant approval or rejection based on the responses we get from our lenders.

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

  • No upfront fees
  • By keeping your data secure
  • Not passing on your details to third party companies
  • Working with reputable and licensed payday lenders

We realized the need for a service that allowed customers to find the right product for them, on their terms. Rather than going from website-to-website and filling in their information each time, we created a simple 3-minute application that could be processed by multiple lenders at once to make life easier.

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 in a hurry. 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. So at the end, you should be in a much better financial position.

The lenders we work with allow you to borrow between £80 to £500 and receive same day loans within 24 hours if need be. A typical loan lasts for 14 to 45 days with some lenders allowing you repay over 3 or 6 months in equal monthly instalments.

New rulings from the Financial Conduct Authority states 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 might leave a small footprint on your credit record.

In addition, loan providers will try 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 will 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?

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 certainly do so. All you 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.

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.

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.

Explains when to use payday loans Why Choose CashLady for Payday Loans

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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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 payday loan 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