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Instant Loans

If you find yourself in cash emergency an instant loan could be the solution you need.

Instant loans are normally borrowed over shorter periods, typically 30 days to 6 months. However, early repayment options are normally available for borrowers who wish to settle their loan obligations sooner.

Instant loan applications typically start online and once approved, the funds will often be transferred the same day.

Discover your instant loan options -Apply here
Cashlady demonstrates that it's easy to make an online application for a loan


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%

What is an instant loan?

Instant loans are types of short term credit that can be applied for and paid out quickly – ideally the whole process should take no longer than 24 hours.

Modern technology helps facilitate this type of urgent borrowing

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

The data represents the usage of mobile devices for making online applications

Applying for instant loans online

If you need to apply for an instant loan, you can do so easily through our website. Our online service is completely free and we help thousands of people every day find the right lender for their needs.

To apply, you will need to be a UK resident, aged 18 or over. You should also be in either full- or part-time employment.

When you apply you will need the following pieces of information.

  • 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
  • Email address
  • A UK bank account

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

Watch how Cashlady select a lender to offer you the best experience

What can I use my instant loan for?

In situations where speed is important, instant loans 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
Cashlady speaking to people on the street regarding financial emergencies

What are the main advantages?

  • Same day access to funds (even if you have a blemished credit history)
  • Fast approval
  • An opportunity 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
  • Predictable, structured repayments each month

Check out our loan affordability calculator below to gain an understanding of what your loan repayments might be.



What are the alternatives?

If an instant unsecured loan isn’t right for you, there are alternatives which may be worth consideration.

Instant loans are generally some of the quickest credit options around, but here are some options worth considering.

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 to 6 months £80 - £500 No
Short-term loan 1 to 12 months £80 - £2500 No
Bad Credit loan 1 to 18 months £80 - £5000 Depends

You can read more about alternatives in our guide.

Avoiding the cost of emergency finance.

Always seek legal advise when you find yourself in a situation of debt

If you are managing high levels of personal debt, an instant loan may not be the best choice for you right now. If you have any concerns it may be worth considering the suggestions below:

  • Read our guide on How to Avoid Debt.
  • 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 forward.

Why should I use CashLady?

For over ten years, we have helped UK borrowers secure instant loans when they need them most. We are an award-winning company having been named credit broker of the year in 2016 by Smart Money People. and been runner up in the same category in the Consumer Credit Awards 2017 & 2018.

We are always here to answer your questions and to help you make sense of short term loans. Speak with our team about whether instant loans are right for you.

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 Reviews.co.uk and Smart Money People based on 1901 merchant reviews

CashLady.com 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.
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