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Instant Loans

Searching for an instant loan or instant payday loan? If so, you’re amongst a growing number of consumers seeking a fast solution to a temporary financial strain.

Spanning over a short time period, typically between 1 and 6 months, "instant loans" start with an online application. If approved, the funds will typically be with you on the same day.

Find out your loan options - Apply here
Instant Loans with CashLady

What is an instant loan?

Instant loans are a fast form of short term credit. They are typically used by consumers in a small financial crisis.

Quick short term finance has become increasingly popular in recent years mainly because ease of use and convenience.

As of 2018, nearly 85% of online loan applications happen on mobile devices.

Representative Example: Amount borrowed: £250 for 3 months, Number of repayments: 3, Interest rate p/a: 292% (fixed),Each repayment amount: £137.2, Total amount repayable: £411.63. Representative APR: 1272%

You can discover how our loans work in more detail here: How do CashLady Loans work? In this guide you’ll find out how APR works, what charges apply and how the loans are repaid.

What are the benefits and uses for "instant loans"?

In situations where speed is of the essence, they can be used to cover emergencies such as:

  • A late bill – especially critical outgoings such as utility bills, rent, council tax or car payments
  • A bill for medical treatment
  • Paying for a funeral
  • Repairing your vehicle
  • Repairing your home
  • Repairing a home appliance
  • Covering a period of income shortfall

Find out more about these benefits in this guide.

The main advantages of using quick finance include:

  • Same day access to funds (even if you have a blemished credit history)
  • Fast approval
  • A chance to begin repairing your credit
  • A flexible form of finance so you can borrow what you need, over a period that ensures your repayments are affordable
  • A predictable, set outgoing each month – and a payment that you will be aware of beforehand. Use our loan affordability calculator below to gain an understanding of what this amount may be.

What are the alternatives?

The timescales for approval and fund availability for a same day payday loan aren’t generally equaled by any other form of finance. This is especially since many alternatives often require physical identification and other documents.

However, there are other financial products that you may want to consider – even if only to rule them out and ensure you’re making the right choice for your circumstances and your finances.

An overview of instant loan alternatives

Type of finance Typical time period Amount that can be borrowed Secured against an asset?
Logbook loan 12 months – 5 years £250 - £50,000 Yes – secured against your car
Personal loan 12 months – 5 years £1,000 - £25,000 Not normally
Homeowner loan 5 years – 25 years £3,000 - £250,000 Yes – secured against your home
Guarantor loan 12 months - 5 years £500 - £10,000 No
Payday loan 1 month £80 - £500 No
Short-term loan 1 to 6 months £80 - £500 No

You can read more about alternatives in our guide.

How you can avoid the cost of emergency finance?

Your bills are rising, your income is likely falling, and you’re far from alone. Like you, millions of consumers are feeling the squeeze. As illustrated by the graph below, UK households are in it together when it comes to income that is stagnating, and outstanding credit that is rising.

You almost certainly should avoid an quick loan if you’re in a cycle of debt and are struggling with credit repayments. If you’re unsure as to whether you’re facing credit troubles, consider whether the following warning signs apply to your situation.

Make sure you can repay your credit before applying for an instant loan

If you’re suffering from the effects of debt and are concerned that a payday loan may not be the best choice for you, you should:

  • Read our How to Avoid Debt guide.
  • Speak with your creditors and address your debt head on – your creditors are legally obliged to consider any offer of repayment.
  • Create a budget of income and outgoings (for a guide on completing a budget head over to our budgeting guide page.
  • Contact an outside organization, such as the MoneyAdviceService or Citizens Advice for impartial advice on moving forwards.

Applying for loans with CashLady

To apply you need to be a UK resident, aged 18 or over. You should also be in either full- or part-time employment. Finally, we generally require that applicants are earning a minimum of £500 per month (this level of income helps to ensure the loan obligation can be met).

When you apply through us, you’ll need various pieces of information to hand, as listed below.

  • Your home address
  • Your employment details (including your employer’s name, net salary and industry type)
  • Your contact details (such as your email address and mobile number)
  • A breakdown of your outgoings
  • Your email address
  • A debit bank account

What is the application process

Discover how CashLady connects you with the best lenders in the market by watching the video below.

CashLady optimal lender selection process video

If you apply for a loan through CashLady, our partners may alternatively offer you various forms of quick finance. This may be:

  • A 1-6 month short term loan
  • A line of credit or revolving credit
  • A guarantor loan
  • A longer term loan up to 12 months

Where can I get an instant payday loan?

CashLady’s panel of lenders provide short term loans of between £80 and £2000. Yet there are multiple players in our industry. So the question is - why should you use our services?

CashLady's panel of 15 quick loan lenders provide fastloans of up to £2000

For almost ten years, we’ve been providing UK consumers with funds just when they need them most. We have a range of options including payday loans, short term credit, line of credit and even guarantor loans and We are committed to treating customers fairly, to being transparent and to always meeting the stringent FCA guidelines for our industry. We are registered with the ICO and we’ve won prestigious awards for the way in which we work, including being a finalist in the Consumer Credit Awards 2017, 2018, and being named Best Credit Broker 2016 by Smart Money People.

Instant loans and instant payday loans - online

We’re here – for your questions, queries and to help you make sense of short term loans. Speak with our team about whether instant payday loans online are suitable for you, read our FAQs or use our live chat facility for the answers you need.

Short Term Loan Charges

Loan Amount (£):  

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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
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Further Information
What are instant loans in the UK?
What are the benefits of instant finance?
Alternatives to instant finance

Customer Satisfaction & Reviews

CashLady is rated 4.5 stars by and Smart Money People based on 1901 merchant reviews is a credit brokerage website owned and operated by Money Gap Limited. We are not a lender and do not provide credit to consumers. If you make an application through this site it will be shown to a selection of UK based lending partners for careful consideration. Applicants must be 18 years or over and approval is subject to status. We will never charge a fee for our service, but do receive a commission from lenders following successful introductions originating from this website. Any information we provide is for the strict purpose of illustrating the lending process only and does not constitute any form or financial or legal advice.

Money Gap Limited is a company registered in England and Wales with company number 6617413.
Registered Office: 89 New Bond Street, London W1S 1DA. Correspondence address: 14 Grays Inn Rd, London WC1X 8HN. Authorised and regulated by the Financial Conduct Authority. You can find us on the FCA Register with Reference number 726151. Data Protection Registration Number Z1696368. is a trademark and trading name of Money Gap Limited. Copyright ©2018 Money Gap Limited. All Rights Reserved.