Who was AZUREmoney?
AZUREmoney, a trading name of Beauly Financial Services Limited, was a direct lender offering short-term loans.
Could I still get a loan with AZUREMoney?
Unfortunately, AZUREmoney is no longer trading, and it’s not possible to apply for a loan with them.
In 2020, AZUREmoney posted the following statement on their website:
“From the 10th February 2020 AZUREmoney is no longer offering loans, to new or existing customers. There is no change for existing customers. Customers should continue to repay their loans and abide by the Terms and Conditions of their Credit Agreement.”
AZUREmoney loan alternatives
With CashLady, you can search for a loan from £100 to £10,000. Depending on the amount of money you apply to borrow, you could choose a repayment term from 3 months to 60 months.
You’ll repay your loan in monthly instalments.
CashLady Representative 79.5% APR
Could I search for a loan with CashLady if I have bad credit?
Yes, you could. Several of the lenders on the CashLady panel specialise in loans for people with bad credit. Please note that a bad credit loan could come with a higher rate of interest.
Before you search for a bad credit loan, you’ll need to make sure that you meet our eligibility requirements, which we’ll list in the section below.
Who can use CashLady’s credit broking service?
You’re welcome to search for a loan using CashLady’s credit broking service if you:
- Are over the age of 18;
- Are a UK resident;
- Have a UK bank account and a valid debit card; and
- Have a regular source of income paid into your bank account.
Is CashLady authorised and regulated by the Financial Conduct Authority (FCA)?
Yes. CashLady is a trading name of Digitonomy Limited, which is authorised and regulated by the FCA. You can find our company profile on the FCA register here.
In addition to this, CashLady only works with lenders who are also authorised and regulated by the FCA.
Will I be charged a fee for using CashLady?
No, CashLady does not charge any fees, and all quotes are no-obligation.
How quickly could my money be sent?
The lenders on our panel have their own payout timescales. Some could send your money on the same day as your application is approved.
Please be aware that the time it takes for the money to become available in your account will depend on your bank’s policies and procedures.
Will searching for a loan with CashLady affect my credit score?
Searching for a loan with CashLady will not affect your credit score, as we’ll run a soft search to look for a lender. A soft search has no impact on your credit score and will not be visible on your credit file to other lenders.
If you are matched with a loan through CashLady and you choose to make a full application, the lender will run a creditworthiness assessment, and this will include either a hard search or an Open Banking check. A hard search will remain on your credit file for up to 12 months, and undergoing multiple hard searches in a short period of time will have a negative impact on your credit score.
What to do if you can’t repay your loan
It’s important to make your repayments on time each month. A late or missed repayment could result in you being charged a fee by your lender, and your credit score could decline.
If you’re worried about an upcoming repayment, you should let your lender know as soon as you can. They will discuss any options that could be available. While every lender is different, this could include temporarily reduced repayments or a repayment holiday.
I’m worried about money; is there anyone I can talk to?
Money worries are very common and nothing to feel ashamed of.
Don’t delay in reaching out and asking for help. You deserve support, and can access free, confidential advice through the following charities and organisations: StepChange, MoneyHelper, Citizens Advice, and National Debtline.