Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk
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CashLady Representative 79.5% APR

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5 Minutes min read

Updated: 2nd July 2024

Are you looking to borrow between £100 and £10,000? Provident Loans are no longer trading, but CashLady might still be able to help you search for a personal loan.

Provident Loans

Why choose CashLady as your Provident Loans alternative?

  • We work with a trusted panel of lenders who offer loans between £100 and £10,000.
  • Repayment terms from 3 to 60 months, depending on how much you apply to borrow.
  • Search for a loan with no impact to your credit score*.
  • No-obligation quotes.
  • We don’t charge any fees for our service.
  • CashLady, and all the lenders we work with, are authorised and regulated by the Financial Conduct Authority (FCA).

*CashLady use soft search technology which does not affect your credit score. If we are able to match you with a loan and you go on to complete a full application, your lender will conduct a hard credit check. A hard credit check will be visible on your credit file and will affect your credit score.

Can I still get a loan with Provident Loans?

No, it’s no longer possible to get a loan with Provident Loans, although there are a number of alternative credit brokers and lenders that you might want to consider, including CashLady.

Who were Provident Loans?

Provident Loans traded for 141 years as a lender offering short-term, doorstep loans.

A doorstep loan was when an agent visited the customer’s home to complete the application, deliver the money, and, later, collect repayments. Doorstep loans usually came with higher interest rates than those offered by high street banks and mainstream lenders.

What happened to Provident Loans?

Provident Loans stopped offering loans and ceased trading in December 2021.

I had a loan from Provident Loans – can I make a claim for irresponsible lending?

Any Provident Loans customers wishing to make a claim for irresponsible lending were given a deadline of February 28, 2022. As this date has now passed, you will no longer be able to make a claim.

Who can search for a loan with CashLady?

CashLady are a credit broker working with a trusted panel of lenders.

You’re welcome to search for a loan with CashLady if you:

  • Are over the age of 18 years old;
  • Have a UK bank account with a valid debit card;
  • Have a UK address; and
  • Have a regular income paid directly into your bank account.

Can I search for a loan with CashLady if I have bad credit?

All credit scores are welcome to search for a loan with CashLady, and doing so will not affect your credit score*. Some of the lenders that CashLady work with specialise in loans for those less-than-perfect credit scores, as well as those who have no credit history at all.

*Please be aware that if you are matched with a loan, you will be redirected to the lender’s website where you will be required to undergo some further checks, including a hard credit search. Hard searches may remain on your credit file for up to 12 months, and too many hard searches over a short period of time could have a negative effect on your credit score.

Can you tell me more about searching for a loan with CashLady?

We’d be more than happy to tell you all about the CashLady process.

  • Choose your loan amount and term, and fill out our online form.
  • We’ll run a soft search and check our panel of lenders for a suitable loan. This stage should take less than 60 seconds.
  • If we’ve found you a match, you will be redirected to the lender’s website, where you can find out more about the loan. If you wish to proceed, you’ll be required to undergo some further checks, including a hard search.
  • If the lender is happy with the outcome of their additional checks, you’ll be sent a loan agreement. Be sure to read through this carefully before deciding whether to sign and return it.

How quickly will I receive the money?

Some lenders on the CashLady panel can send your money on the same day your application is approved, although it’s worth noting that the time it takes for the money to appear in your account will depend on your bank’s policies and procedures.

I’m worried about money, what can I do?

We’re sorry to hear that you’re feeling this way. Money worries can be all-consuming, but there are things you can do to take back control.

If you’ve taken out a loan that you’re struggling to repay, you should contact your lender as soon as you can. Remember – they are not there to judge you or your circumstances, and will appreciate the fact that you’ve reached out and let them know of the situation that you’re currently in. They will want to work with you to set a plan moving forwards.

You can access free money management and debt advice on sites such as StepChange, MoneyHelper, Citizens Advice, and National Debtline.

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