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Online Loans with CashLady

CashLady loans are available online and you can apply here in two minutes to find the right loan for your urgent needs.

The way it works is simple: you need to fill an online form and then submit your application online. We then we do the hard work of finding an online lender from our integrated panel of lenders that can fund your loan request.

Find out your loan options - Apply Online

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Representative example: Amount of credit: £1200 for 18 months at £90.46 per month. Total amount repayable of £1628.28 Interest: £428.28. Interest rate: 49.9% pa (variable). 49.9% APR Representative (Read more). We’re a fully regulated and authorised credit broker and not a lender.

Your no obligation quote and APR will be based on your personal circumstances - we compare small loans from over 40 lenders to get you the lowest APR possible for you. There are no fees for our service.

Applying for short term loans online has never been easier

Being able to get fast loans online is important for many reasons.

Speed and convenience are paramount when it comes to getting a fast payday loan decision.

The market for small online loans and payday loans really started to grow in the UK from around 2004 and almost all payday loan applications are now received through various online websites.

Who regulates online loans?

Who regulates online loans

Short term loans are governed by the FCA and are one of the most heavily regulated financial service products in the UK.

An important part of this regulation relates to the promotion and advertising of online loans, where particular attention is focused around the clarity of the messaging, the inclusion of important information such as a representative example and above all – non ambiguous or misleading language which could cause confusion for potential customers.

The FCA has a register of fully authorised companies who promote loans online. Whilst most lenders offer fast application processes and in many cases, instant money transfers, they must all adhere to the strict guidelines imposed by the FCA.

Most loan providers have gone through many changes in an effort to gain full FCA authorisation, ensuring that their products and services are fully compliant, fair to customers and above all – safe.

Online loans and especially online payday loans offered here, are now designed with customer’s needs at the heart of everything.

Where are online loans advertised?

The online loan industry spends millions each year promoting their products and services. Mainstream high street lenders will often promote their loan products on the television or newspapers as well as digital channels.

Online loans are usually a cheaper alternative to traditional money borrowing methods

Google is where you will find many lenders promoting their online products as they can target their messages to people who are actively searching for their products.

For instance, if you search for 'payday loans' in Google or Bing – you will most likely see 4 adverts at the top of the page with different online loan companies promoting their products.

You will also see 3-4 companies at the bottom of the page.

You can spot these advertisers as they have a little green 'ad' icon next to their listing.

During the last few years we have seen a strong shift from desktop to mobile and most loan providers are easily accessible via smart phones and tablet devices.

Aside from internet search queries, many loan companies will use email, SMS and various forms of banner advertising to promote themselves.

Benefits of online loans

Every day thousands of people search the internet looking for short term loans online.

Busy lives and work commitments often mean that most of us don’t have the opportunity to visit a physical location when we need a small loan.

We may not have valuable items to take to a pawnbrokers.

If this is the case, applying for a loan online can often be the ideal solution. Especially in an emergency situation when we need cash fast.

Here are 3 benefits of applying for your loan online:

Online loans can be more convenient, quicker and more private
  • Convenience: You can apply 24/7 from the comfort of your own home
  • Speed: Many online loan providers will transfer the money instantly
  • Privacy: Many people prefer to manage their personal finances from the privacy of their home

Why apply for loans online?

Online loans can be a convenient alternative to writing a cheque, cashing cheques, pawn shops, money shops or any form on traditional offline finance.

In many cases they are a cheaper alternative to other emergency short term borrowing methods such as credits cards debts, unpaid unauthorized overdrafts, or penalties involved with bounced cheques and unauthorized withdrawals from your bank account.

In general it is more convenient to apply for a loan online because there are no paper forms to fill, no queuing and the response takes a matter of minutes.

The whole loan application process takes less time and (if you use a broker) you have a choice of several lenders which you don't get with the offline solution.

Online loans are usually a cheaper alternative to traditional money borrowing methods

The benefits of fast, convenient loans online are not only for the customer.

Lenders who offer loans products online can often reduce their overheads with less need for physical locations and of course the cost involved with staffing.

Does this mean that loans are cheaper online?

It is difficult to comment or compare as many loan providers no longer have physical stores.

But the convenience and speed of loans online mean that we can all enjoy the many benefits of a service that is convenient and fast.

Loans Online: The way they work

An inforgraphic on how online loans work

If you are looking for quick, instant short term loan, we recommend visiting an FCA authorised payday loans (UK) broker like Cash Lady.

Applying for an payday loan through an established payday loan broker will usually improve your chances of getting your application approved.

Once you have completed your instant online application form, the process of approving your loan commences.

Here is a summary of what happens when lenders approve an online loan application.

Initial Validation: Your loan application is validated online using initial validation methods which check the accuracy of the information entered. This process checks the validity of your; post code, telephone numbers, email address and some other details to see that they were entered correctly.

Pre Processing: Your application is processed in order to prepare the information and adjust the input fields to match the requirements and data required by the lenders and underwriters.

Ping posting: Your loan application is then sent to several lenders, one at a time. This is the core processing time required to get your online application decision and could take up to 2 minutes. You are advised to wait during this process as each lender that receives your application may pull additional data to validate and approve your application.

Cashlady send your online application to a panel of short term loan leanders

Initial Approval: If your loan application is approved by a lender, your application will be redirected to the online signature page with your chosen short term loan provider.

Final loan approval & underwriting:

Sometimes small online loan applications cannot be approved instantly and may require human underwriting. This is sometimes necessary if further clarification is needed, and may involve further checks carried out by the lenders to verify, validate and assess your application before the money is deposited into your bank.

Fund transfer: For instant loans online this usually happens in a matter of hours and the funds can often be in your account the same day.
(read more about same day loans)

Online Loans UK: Summary

If you are looking for a short term loan online, there are many options available to you.

Often, people need small loans in an emergency and a need a quick decision so they can deal with the problem.

Most lenders allow you to apply online, but not all lenders can make an instant decision.

If you are looking for a small loan, then a specialist payday loan provider may be the best option if you need cash fast.

As a consumer you can apply to lenders direct, or use an online loan broker like ourselves.

Whatever your decision, the idea is to have a simple process which makes applying for loans as convenient as possible.

As long as you're aged 18 or over, a UK resident who has a regular job and a UK bank account, there is no reason why you cannot apply.

It's also worth remembering that up until you sign the agreement that you are sent (if you are accepted), you are not obligated in any way.

To find out more, read our article: 10 Advantages of online loans.

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Representative 49.9% APR
Representative Example
Amount borrowed: £1200 for 18 months
Number of repayments: 18
Interest rate p/a: 49.9% (variable)
Each repayment amount: £90.46
Total amount repayable: £1628.28
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Online Loans Information
What are the alternatives to online loans?
When to avoid payday loans
How to apply for online loans through a broker

Customer Satisfaction & Reviews

CashLady is rated 4.5 stars by and Smart Money People based on 2350 merchant reviews is not a lender but is a fully regulated and authorised credit broker which introduces borrowers and lenders for the purposes of entering into short-term unsecured loan agreements. does not charge customers a fee for using its broker services, but it receives a commission from lenders or other brokers if a customer enters into a consumer credit agreement with a lender or broker following an introduction through this website. is a registered Trading Name of Digitonomy Limited, Registered in England and Wales (Company number 08385135), Registered Office; Steam Mill Business Centre, Steam Mill Street, Chester, Cheshire, CH3 5AN. Digitonomy Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 690249. Licenced by the Information Commissioners Office, (registration number ZA007309) *Once approved, your cash could be sent within 10 minutes. The time that it takes for the cash to be received in your account will depend on your bank’s policies and procedures. Loans available to over-18s only, subject to status © 2020