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

Cash Loans

Apply for a short term loan of between £100 and £10,000 today. If approved, cash could be sent quickly*

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CashLady Representative 79.5% APR

Quick, discreet, online loan applications

Secure your loan online in just 2 minutes

No fees, no hassle, no problem.

Choosing CashLady.com means your short-term loan application will seen by more direct lenders to improve your success rate.

Can I get an instant cash loan today?

If you need money quickly, a cash loan is often the fastest way to receive funds. Access to online banking and faster payments means it can be just as quick and easy to receive money directly into your bank account as it is to receive physical money.

What are cash loans?

When you have an unexpected financial emergency and find yourself needing an instant cash advance, most of us will only need to borrow a small amount.

Cash emergencies come in all shapes and sizes. It could be an unexpected car repair, a new washing machine or perhaps you need to make emergency repairs to your home.

If you apply for a standard personal loan from the bank they will normally set a minimum loan amount of £1000. The process can often take longer which may be a problem if you need cash quickly.

What can I use my loan for?

A cash loan can normally be used for any purpose. People borrow money for all kinds of reasons including:

  • Car repairs
  • New vehicle
  • Household goods
  • Home Improvements
  • Unexpected bills

You can apply for a loan for any purpose as long as you’re borrowing responsibly and know that you can make the scheduled repayments on time. Quick cash loans can be useful in helping you keep your finances on the straight and narrow. Especially when you have a short-term cashflow problem.

Used properly and responsibly, cash loans can be helpful in times of need.

Cash loans can be helpful in times of need

Where can I get a cash loan up to £1,000?

If you are searching for money today – you have a several options available. These include;

  • Borrowing from friends or family
  • Dedicated websites (lenders & brokers)
  • High Street loan providers
  • High Street banks

Friends or family

Borrowing money from friends or family can be particularly useful if you need a small amount.

Borrowing money from a friend is easier if you need a £100 loan

If you need to borrow less than £100, this might be the quickest and most convenient option.

However, if you decide to borrow cash from family or friends and do not pay the money back, it could put a strain on your relationships and you may find yourself in an uncomfortable position.

If you think there is a chance you cannot pay back the money or, need a larger amount, it might be worth considering other options.

Online cash loans

For many people, borrowing from friends and family is not an option. Travelling to a physical store may also not be ideal due to the time and money involved.

there are many types of cash emergency that may cause you to need cash loans

If you have a real cash emergency and have access to the internet, an online loan is probably the quickest route. Short term loan amounts generally range from £100 to £1,000 although some providers offer higher loan values.

You can choose to apply for cash directly with a lender or through an online broker such as CashLady.

Advantages of online cash loans:

  • Easy online application
  • Quick decision
  • Fast money transfer

Telephone loan applications

If you don’t have access to the internet or prefer to speak to somebody in person, most UK lenders have a call centre who can take you through your application and complete it for you over the phone.

Applying for a cash loan over the telephone means you can ask questions about anything you are unsure of. You may also be reassured to hear a human voice.

If your loan application is successful you may be able to receive funds the same day paid directly into your bank account*

High Street loans

Short-term cash providers on the high street are less common on the high street these days, but there are still plenty of lenders servicing customers from physical locations.

Many Pawnbrokers offer unsecured loans alongside their core pawnbroking activities. This means you can choose to secure a loan against a valuable you own or simply take a cash loan.

H&T is one of the most well-known high street operators.

Everyday Loans have branches across the UK where you can go in-store to obtain a loan. However, you will need to arrange an appointment online.

Benefits of a high street cash loan:

With a high street loan, you will need to visit the physical shop and complete your paperwork in store. If you are approved that same day, you may receive physical cash that same day. This could help you if you have an urgent financial commitment.

Disadvantages of a high street loan

Because you physically need to travel to the store, it may not be convenient. If you live outside the town itself, you will have to consider the time and money needed to get there.

If the lender requires additional documentation or proof of earnings, you may have to travel back home to retrieve them before returning.

This could mean waiting longer than necessary for the cash loan you need.

If you have an urgent financial emergency, you may not have the luxury of another day to wait.

How fast are instant cash loans?

People searching online for ‘instant cash loans’ or ‘loans today’ normally need money urgently.

If your bank accepts faster payments, your loan could be transferred within minutes of approval.

It is important to remember that although the application process for online cash loans is usually quick and easy, it doesn’t mean that a decision is always immediate.

Much of this will depend on the information you have submitted and if you have met the affordability checks.

Although you might be provisionally accepted for a loan online, further checks are commonplace and could potentially mean the money you need may is not transferred the same day.

How to ensure your cash loan application is successful

Accurate information

Online loan applications are convenient ways to apply for emergency cash. But you must ensure the information you submit is honest and accurate.

Any incorrect information could slow down the underwriting progress. In some cases, your cash loan application is automatically declined (if for example, your address is input incorrectly)

If you provide false information on your loan application and are approved for a loan on that basis, you could be liable for an investigation/ prosecution into fraud.

Outstanding debts

Make sure that you don’t have any outstanding cash loans with anybody else, or any large credit card debts – each of these can be a telling factor when a lender decides to issue an instant cash loan.

Any financial commitments or obligations can and will be taken into account.

Outstanding debts with cash loan lenders affect an instant loan decision.


Before you apply for any type of personal loan, you should ensure that you can comfortably pay the monthly commitments.

This means that you should look at all of your monthly expenses and compare this figure to your regular monthly income.

If you have this information, why not use CashLady’s affordability calculator to help you before you complete an online application.

What if you are declined?

Finally – if you feel that your short-term loan application was declined unfairly, speak to your lender directly and see if they can explain the reasons why. It may mean that there is some incorrect information on your credit file, which needs some attention.

The success of your application depends on many factors. For example, the loan amount you choose could determine which lender matches your request. If your loan amount is too high, some lenders may not lend this amount to you for the first time.

Speak to your lender to find out why your cash loan application was declined

If your credit file contains information that is incorrect, getting it removed could help you with any future loan requirements.

Can I get a cash loan with bad credit?

Many people with bad credit qualify for a cash loan. The process of getting a loan with bad credit is much the same as any other type of borrowing. Your application details are the same, but you may find that certain products or interest rates are not available to you.

Are bad credit cash loans expensive?

Many bad credit loan products have high interest rates, but all lenders regulated and authorised by the Financial Conduct Authority (FCA) have to adhere to maximum daily interest rate charges of 0.8% per day. This means you cannot pay more than £24 per month for every £100 borrowed.

Before you commit to any type of loan, make sure you understand the amount you will need to pay back and over what period of time. If you are unsure, ask questions or ask for help.

Are all cash loan providers authorised and regulated by the Financial Conduct Authority?

The Financial Conduct Authority regulate all legally operating credit providers in the UK. This includes pawnbroking & doorstep loans. If you borrow money from friends, family or illegal loan sharks, you will not be protected by the FCA.

Applying for a payday loan make sure you can repay the loan in full and on time

Firms authorised and regulated by the FCA have been carefully vetted and operate to the highest standards.

CashLady will only ever work with FCA authorised and regulated loan providers.

We can help you find a loan that is right for you and offer a simple, straightforward application process designed to give you fast, convenient access to the cash loan market online.

CashLady Representative 79.5% APR

Representative Example

Amount of credit:
£1000 for 12 months
at £123.40 per month
Total amount repayable of £1,480.77
Interest: £480.77
Interest rate: 79.5% pa (fixed)
79.5% APR Representative

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

Get your personalised quote today!

How much do you want to borrow? Representative 79.5% APR

CashLady Representative 79.5% APR