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Help and Support

Find answers to our most frequently
asked questions below. Can’t see what you’re
looking for? Contact our friendly team.

SCAM WARNING

We are aware of a fraudulent cloning scam using our website name. We have informed the Financial Conduct Authority (FCA) of this scam, and they have published a warning on their website. You can read this here.

Have I been scammed?

CashLady will never contact you to offer you a loan. If you have received an email, text message, or phone call from someone claiming to be from CashLady, this is likely to be a scam.

We are working hard to make our customers aware of this type of scam

Here are some things you can look out for:

Have you received an email, telephone call, or text message from 'Cash Lady Loans Limited'?
Have you been asked to pay an administration fee or a 'one time insurance charge'? This could include being asked to send money, gift cards, or voucher codes.

If so, it is likely that you have been contacted by scammers. Please do not respond to their message and do not share your personal or banking information with them.

using the FCA contact form; or
calling 0800 111 6768. This is a freephone number, so you won't be charged. Lines are open Monday to Friday, 8am to 6pm, and Saturday, 9am to 1pm.

For next generation text relay, please call (18001) 0207 066 1000.

If you have received an email you're not sure about, you can forward it to report@phishing.gov.uk

You can also forward suspicious text messages to 7726 - you will not be charged for this.

If you are unsure about an email or text message you have received, please contact us. We are always happy to help.

You should report any scam communications to Action Fraud. You can do this by:

If you are unsure about an email or text message you have received, please contact us. We are always happy to help.

Please read our guide on the different loan scams and how you can avoid them -
www.cashlady.com/info/scam-warning

Before Applying

Who is CashLady?

CashLady is a UK-based credit broker, authorised and regulated by the Financial Conduct Authority (FCA).

How does it work?

CashLady search our panel of lenders, credit brokers and credit monitoring services to find the best loan for your individual circumstances. If you are accepted by one of our partners, you will be redirected to their website to complete your application.

Do you charge any fees?

No, CashLady do not charge any fees. Our service is free. We will never ask you to send us any money, voucher codes, or payment of any kind.

How much money can I apply for?

CashLady can search for loans between £100 and £10,000. You should always think very carefully before applying for credit and you should never borrow more than you need or can afford to repay.

Can I spread my loan repayments?

Depending on the amount of money you apply to borrow, you could repay your loan in monthly instalments starting at 3 months up to 60 months.

What is a ‘soft’ search?

A ‘soft’ search is a way for lenders and brokers to check your creditworthiness without leaving a ‘footprint’ on your credit report. A ‘soft’ search can give you an idea of your chances of being approved for a loan or credit card. It does not affect your credit score. It is only visible on your credit report to you and cannot be seen by other lenders.

What is a ‘hard’ search?

CashLady is a credit broker, not a lender. If your application is matched with a loan, you'll be redirected to the lender's website, where you can view the terms of your loan offer. Remember, you are not obliged to accept any loan offer if you do not feel it's right for you.

If you're happy to go ahead and make a full application, the lender will carry out a creditworthiness assessment; this will include a hard search or an Open Banking check. A hard search will be visible on your credit file for up to 12 months. Multiple hard searches in a short period of time will damage your credit score.

How much will it cost me to take out a loan?

Repayment terms and the interest rate you could be offered depend on your individual circumstances. As a credit broker, we are unable to advise on these before you make an application.

If your application is matched with a lender, they will provide you with the full terms and conditions of the loan, which will include your interest rate and repayment schedule. You are not obliged to go ahead with any loan if you do not feel it is right for you.

What is a Representative APR?

The Representative APR is the annual percentage rate that 51% of customers have been offered for the financial product that is being advertised. It gives you an idea of the overall cost of the loan including interest and any additional fees. Representative APR is often used to compare different credit products and their costs. The rate you will be offered depends on your lender and other factors, such as your credit score.

Will I be accepted for an unsecured loan?

CashLady can check whether you are likely to be accepted for a loan. If you're matched with one of the lenders on our panel, this means the lender is willing to consider your application. You’ll need to undergo a full creditworthiness assessment with the lender, which will include a hard search or an Open Banking check. Your lender will look at your income, as well as your credit history, before making a decision.

I am unemployed; can I apply for a loan?

If you are unemployed, it is unlikely that you will be approved for a loan. Most lenders will not consider loan applications where the applicant is not in paid employment. If you are unemployed and need help with your finances you can contact StepChange or MoneyHelper for confidential, impartial advice.

I am on benefits; can I apply for a loan?

If you are on benefits, and this is your only source of income, you may find it more difficult to be approved for a loan. Most lenders will not accept applicants who are unemployed. However, if you are in receipt of benefits in addition to a regular income from full- or part-time employment, you may still be eligible for a loan. Some lenders count certain types of benefits as income. For further information, please click through to our guide to Loans for People on Benefits.

I am a student; can I apply for a loan?

If you are a student in full-time education, you are unlikely to be eligible for a loan unless you have a reliable source of income from employment.

Can I get a loan to consolidate my existing debt?

CashLady could help you search for a loan to consolidate existing borrowing, although you should make sure that the interest you’ll pay on a new loan will be less than the interest you’re currently paying on your existing credit account(s). Free, confidential money and debt advice is available at National Debtline or StepChange.

When will the money be in my account?

Some of the lenders on the CashLady panel could send your money the same day your application is approved, although the time it takes to reach your account will depend on the time of day you make your application, as well as your bank's policies and procedures.

Will CashLady make sure my details are secure?

Yes. All your personal data is kept secure and confidential. All the information you provide is stored in compliance with UK GDPR 2018 and kept secure in accordance with our Privacy Policy

After Applying

Has my application been accepted?

Most lenders will give you a quick decision. However, sometimes a lender may ask for additional information, such a recent pay slip. If you are waiting for a decision on your application, the lender will usually keep you updated by SMS or email.

If you have a query about the progress of your loan, please contact your lender directly. If you are still unsure, one of our team will be happy to help. In order to discuss your application, we will ask you for some personal details to verify your identity.

When will the money be in my account?

Once accepted, most loans are sent to your account on the same day. However, the time it takes to show in your account varies. It will depend on a variety of factors including the time of day that you make your application, and whether your bank accepts Faster Payments (some lenders may include an extra charge for this service).

What if my application is unsuccessful?

CashLady will provide every effort to find you a loan. If we are not able to do this, we may transfer you directly to alternative firms and services, such as credit monitoring solutions. We may also show you alternative products. This might include credit card products, credit builder tools, and debt management solutions. Some alternative product providers may charge a monthly subscription fee; however, you are in no way obliged to use these services if you do not feel it is suitable for you and your circumstances. You should always read the terms and conditions carefully before agreeing to any financial product or service.

Why did CashLady phone me?

CashLady is an online credit broker, and we do not have a call centre. We will never call you to offer you a loan.

If someone calls you claiming to be from CashLady, this is a scam.

You can find out more about loan scams and how to protect yourself from fraud in our guide.

I have been contacted by lenders and brokers after my application. Why is this?

CashLady has a legal obligation to manage your personal data in accordance with the Data Protection Act 2018. When you apply at CashLady, we share your information with our panel of lenders, credit brokers and financial service providers who are authorised to provide the product or service you are looking for. If you are accepted by one of our partners, you will be redirected to their website to complete your application. You should read their privacy policy to understand how they will process your personal data. You can opt-out of receiving messages at any time.

How do I unsubscribe from CashLady emails and text messages?

You can email us using our contact form and we will be happy to do this for you.

I have been charged a fee. What should I do?

CashLady do not charge a fee for our service and will never, ever take money from your account. If you have been charged a fee by a credit monitoring subscription service, you will need to contact them directly to cancel your subscription. We cannot contact them on your behalf.

If you're struggling financially, please consider the organisations
below who can offer free impartial advice, guidance and support

Not found an answer to
your question?

Need to contact us?

Contact CashLady

Help and Support

Find answers to our most frequently asked questions below. Can’t see what you’re looking for? Contact our friendly team.

SCAM WARNING

Find answers to our most frequently
asked questions below. Can’t see what you’re
looking for? Contact our friendly team.