Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk

Please note - Wizzcash are no longer an active lender and are no longer taking any new loan applications. As such this page is no longer maintained and some of the information displayed here may now be inaccurate. To see our list of active lenders please click here.

Who are Wizzcash?

Wizzcash have been trading since 2012 and are a direct payday loan provider. Wizzcash is a trading name of Emergency Cash Ltd, and they pride themselves on providing an easy-to-use service and responsible lending.


How much can you loan from Wizzcash?

Wizzcash allow customers to borrow payday loans between £300 and £1,000.

How soon does it have to be repaid?

There is only one option for repayment, which is set at 3 months.

What sort of interest is added on top?

Wizzcash’s representative APR is 1265%, with a daily interest rate of 0.80%.

To understand how this might work, if you took out a loan for £300 repaid within three months. With an annual fixed rate interest of 292% and the above APR, you would have pay ack ba total of £454, over three monthly instalments of £152.42.

How do you apply for a Wizzcash loan?

The application process is straightforward, but Wizzcash do ask you are able to prove that:

  • You are at least 18-years-old
  • Are a full UK resident
  • You receive an income of at least £750 per month
  • Applicants have an active UK bank account and associated debit card
  • You are in ownership of a UK mobile number

Wizzcash’s website lays out a 3-step process. You apply on their website by completing the application form detailing the amount you want to loan and personal information. Verification of the loan occurs via SMS & email. If approved the money is sent straight to your account. You may also be required to provide proof of income and expenditure, along with ID and address – although this varies from customer to customer.

Are Wizzcash a regulated company?

Wizzcash have been regulated by the FCA since 18/2/16 which can be seen on the FCA register. The registered company name is Emergency Cash Ltd.

Can customers repay their loan early?

Yes, this can be done via an online account at any time. You will not have to pay any additional fees and no interest will be applied to the account for the period you did not have the loan.

Do Wizzcash charge for late payments?

Any late payments may incur an additional charge of £15.

How soon will Wizzcash transfer the money?

Wizzcash say money will be received within 2 hours after the loan has been agreed. Although they do also say that it can take up to 72 hours to clear, depending on the bank.

Are the customer service team easy to contact?

The Wizzcash customer service team can be reached by phone on 020 3740 7273 and email at info@wizzcash.com.

Opening hours are 9am to 5.30m Monday to Friday (except bank holidays).

Are Wizzcash on social media?

Twitter: @wishcashloans

Is there an online account or app?

While Whizzcash do not have an app, they do provide customers with an online account where they can see their payment schedule and make payments.

What sort of customer reviews are there about Wizzcash?

As of March 2020, there are 7 reviews on Trustpilot, with an average rating of of 2.3/5.

Wizzcash summary

Wizzcash offer short-term loans to people in need of quick financial assistance. Applicants can borrow between £300 and £1,000 which has to be repaid over a 3 month schedule. The representative APR is 1265%, with a daily interest rate of 0.80%.

Minimum requirements needed to apply for a Wizzcash loan ask you to be:

  • Aged 18 years or over
  • A UK resident
  • Receiving £750 or more per month
  • The owner of an active UK bank account and debit card
  • In possession of a UK mobile number

In most cases funds for successful applicants will be received within 2 hours. Late payments may incur an additional charge of £15 and you have the option to repay the loan back early.

WIzzcash are fully regulated by the FCA and as of February 2020, they have a rating of 2.3/5 on Trustpilot based on 7 customer reviews.

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


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How much do you want to borrow? Representative 79.5% APR

CashLady Representative 79.5% APR