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

Online Loans

Apply to borrow £100 to £10,000, over 3 to 60 months

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CashLady Representative 79.5% APR

Quick, discreet, online loan applications

Secure your loan online in just 2 minutes

No fees, no hassle, no problem.

Choosing CashLady.com means your short-term loan application will seen by more direct lenders to improve your success rate.

If you need money quickly - for example, to pay for an emergency such as a broken boiler - applying for a loan online could be a convenient option.

What is an online loan?

An online loan is a personal loan you research and apply for online. This means that in most cases you can complete your application from the comfort of your own home using your mobile phone, tablet, or computer.

How can CashLady help me search for an online loan?

CashLady is a credit broker, not a lender. We work with a panel of trusted lenders to match our applicants with a suitable loan. We can search for loans from £100 to £10,000 with loan terms from 3 to 60 months, depending on the amount you apply to borrow.

What’s the difference between a direct lender and an online credit broker?

When you apply for a loan with a direct lender you will complete a full application, which will include a hard credit check. If your application is unsuccessful and you choose to apply again with another direct lender, they will also carry out another hard credit check. Too many hard searches in a short space of time could damage your credit score.

Using a credit broker to search for a loan could be a convenient alternative. A credit broker like CashLady can show your loan application to many lenders at the same time. If you are matched with a loan and go on to make a full application, you could only need to complete one hard credit check.

How much money can I apply to borrow online?

At CashLady, we can search for loans from £100 to £10,000. It’s always important to only ever borrow what you need to and can afford to repay.

How do I search for a loan with CashLady?

You can start your search for a loan by visiting cashlady.com and completing the online form. We’ll ask you some basic information about yourself, such as your name, address, and employment status. We’ll also ask about your income and your monthly outgoings, such as your rent or mortgage payments, utilities, and travel costs.

Once you have submitted your details, we’ll share that information with our panel of lenders using soft search technology. If we are able to match you with one of our lending partners, you’ll then be redirected to the lender’s website to review your loan offer and, if you choose to, complete the final stages of your application.

Why apply for a loan online?

You can apply for a loan by visiting a high street bank or lender; however, busy lives and work commitments often mean we don’t have the opportunity to visit a physical location when we need a small loan.

If this is the case, applying for a loan online could be a solution, especially when an unexpected emergency happens and you need to borrow cash fast.


You can apply online at a time that suits you.


Many online loan providers can send your loan the same day your application is approved.


Manage your personal finances from the comfort of your own home.

How long does the online process take?

Online loans are designed to help customers cover a financial emergency and, as such, some lenders are able to send your loan on the same day your application is approved. You should be aware, though, that the time it takes for the loan to appear as available in your bank account depends on your bank’s policies and procedures.

Can I search for a loan online if I have bad credit?

If you have bad credit you can search for a loan online; however, you may find it difficult to be approved for a loan if your credit score is particularly low. Lenders will look at how you’ve managed your borrowing in the past when making a decision to lend to you or not. As a responsible lender, they will want to be confident that you can afford to manage your monthly repayments without experiencing financial difficulty.

Some of the lenders on our panel specialise in considering applicants with bad credit. They will take a look at your present circumstances as well as your history when assessing your creditworthiness. This can be useful if you have recently demonstrated better money management or your circumstances have improved.

Will I need a credit check for a loan online?

Yes, you will need to undergo a hard credit check as part of the full application process. A responsible lender needs to be sure you can comfortably afford your monthly repayments before they make you a loan offer. You should be very wary of any lender who claims to provide a loan without a credit check.

Do I need a guarantor for an online loan?

You do not need a guarantor to search for a loan online. CashLady have a very small number of lenders on our panel who provide guarantor loans; if you are matched with a guarantor loan you are not obliged to continue with a full application if you do not feel this is the right product for you and your circumstances.

Is it safe to apply for a loan online?

When applying for a loan online, remember to always check that the lender is authorised and regulated by the Financial Conduct Authority (FCA). You can check here.

All of the lenders on the CashLady panel are authorised and regulated by the Financial Conduct Authority for your reassurance.

What happens if I miss a repayment on my loan?

If you are late making a repayment on your loan, you could be charged a late payment fee; your credit score may also decline as a result.

If you are worried about making your next repayment on time, you should talk with your lender as soon as you can. They will want to work with you to help you manage your account.

If you feel you need some advice on any aspect of money and debt management you can find free support online at Citizens Advice, National Debtline, and MoneyHelper.

CashLady have teamed up with StepChange, the UK debt charity, to provide a Money Health Check Quiz. Taking the quiz is confidential and the answers you provide will generate signposts to further help.

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