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Payday Loans Your Way

Our award-winning technology could help you secure a quick payday loan in 2 minutes. No hassle, clear and simple.

We're here to help you find a lender with the best chances of lending to you and with the lowest APR. That's our service in a nutshell, at no cost to you.

The total interest and fees you will pay will never exceed 100% of the amount borrowed. Interest is capped at 0.8% per day. APR rates vary from 49.9% to 1325%.

Because we work with a panel of lenders, we could help new customers and also those who have been declined with a direct lender before.

Representative Example: Amount borrowed: £250 for 3 months. Number of repayments: 3. Interest rate p/a: 292% (fixed). Each repayment amount: £137.21. Total repayable: £411.63. APR 1272% Representative.

Find out your payday loan options - Apply here
What are payday loans?

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

Payday Loans Reinvented - It’s all about you!

We will do our best to help you find a loan and aim to do better than anyone else. We work with one goal in mind, focusing on YOU - the customer and trying to deliver the best results. We want to answer your urgent financial need in the best way possible.

By applying through a broker, such as CashLady, you could have a better chance of approval for a loan. This is because your application should be seen by more than one lender.

We strive to be very clear about the product and honest in setting your expectations. You will find our APR, terms and marketing to be straightforward and reflective of the product we offer. We DO what we SAY and we mean it when we say what you see is what you get with us.

How can CashLady help you?

CashLady can improve your chances of getting a fast payday loan because we send your application to a panel of trusted lenders. By doing this we aim to give you better chances of approval than with any single direct lender.

We’re also one of the safest, most honest FCA regulated consumer credit brokers out there. We do what we say we do and that is to find you a payday loan which results in getting you the money you need when you need it.

You do not need a guarantor to get a payday loan. CashLady payday loans are one of the fastest ways of applying for and obtaining a quick loan in the UK. At the same time you need to make sure you can afford your monthly loan repayments and borrow responsibly.

2018 Technology at your service

Our new technology works fast and is well optimised to answer your instant payday loans need. Applications are real time and decisions made online. With upgraded servers, security and software we outmatch our competition.

Our newly developed technology is also best suited to give you optimal results. When choosing the best suited lender, we prioritise lowest APR, interest per day and lender funding rates. This increase your chances of ending up with a lender that will actually lend to you.

How to get the best chances of approval:

  • Provide accurate personal and financial information
  • Pass affordability criteria
  • Be in full employment and get paid into a UK bank account.

First time applications usually involve no more than £500. Don't apply for more than what you actually need. We find most lenders unable to lend high amounts for first time customers.

What you need to avoid

  • Repeat applications
  • Outstanding loans with short term lenders
  • Unpaid debts
  • Borrowing more than you can afford to repay

We hope Cashlady can serve as your hub into the world of payday loans. If we find you a lender that you are not able to make progress with, we may still be able to find you an alternative next time you apply.

What are Payday Loans?

A payday loan is a form of short term credit, normally used by people who require a cash loan solution to help them through a financial emergency.

They provide quick, discreet, online loan access - often using mobile devices. The speed and convenience of so called "instant" payday loans can be very valuable in an emergency.

short-term credit lenders offer different types of payday loans

Because there are many lenders and customer circumstances, there is no one suit all product. Every lender has their own loan term, amounts and repayment features. This is why applying with a broker opens up more options.

Best in Class UK Payday Loans with CashLady

Applying with CashLady could open many doors and help you make sure you’re in safe hands. Based on our in-depth coverage of the short term loan market, we strive to be the best at what we do. Treating customers fairly is in the heart of what we do. Before, during and after you apply.

- Data Protection

We make sure, to the best of our ability, that no third party will take advantage of your personal details. We protect your data based on new GDPR requirements and keep you from getting into the wrong hands.

- Focus on Customer outcome

Success for us means that we were able to find you a lender that lends you the money you need. A happy customer is a customer that applies responsibly for cash. Then, gets approved and receives the intended payday loan quickly through us. A happy customer is also a customer that is able to repay their loan as agreed with the lender.

We acknowledge and are aware of the benefits and also disadvantages of the payday loans product. They are there for when you need them and should be forgotten and avoided once you’re out of trouble.

Payday Loans UK, 2018 - Key differences

Customer protection - Product

  • Highly regulated by the FCA
  • 100% cap on cost of borrowing
  • Affordability is the key to lending
  • 100% cap on fees

Protecting your data

- Better technology
  • Transport Layer Security (TLS) replaces SSL
  • 256-bit SSL, 2048-bit server key
  • Stronger firewalls
  • New operating systems
  • Advanced server and browser technology
Stricter Data Privacy rules with GDPR
  • Positive, channelised consent
  • Right to opt out
  • Strict third party and retention guidelines

Payday loans: Key information

Infographic: Payday loans key information

‘Bad credit’ payday loans

It is often believed that Payday loans are designed for people who have bad credit.

Having a bad credit score does not make you more suitable for applying to get short term credit.

Poor credit history doesn't guarantee that you get approved

Like any other FCA regulated credit provider, payday lenders need to perform affordability checks. This means your credit score and payment history will be assessed.

If you have a history of bad credit it is important you start working on rebuilding your credit to improve your financial circumstances.

CashLady Payday Loans – Summary

Used responsibly, Payday loans can provide customers with immediate access to credit. Sometimes this could be a last resort. FCA price caps and strong legislation mean the industry is now much more focused on the customer experience. This we believe can only ever be a good thing.

Payday Loan Charges


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Representative 1272% APR
Representative Example
Amount borrowed: £250 for 3 months
Number of repayments: 3
Interest rate p/a: 292% (fixed)
Each repayment amount: £137.21
Total amount repayable: £411.63 is a credit brokerage website owned and operated by Money Gap Limited. We are not a lender and do not provide credit to consumers. If you make an application through this site it will be shown to a selection of UK based lending partners for careful consideration. Applicants must be 18 years or over and approval is subject to status. We will never charge a fee for our service, but do receive a commission from lenders following successful introductions originating from this website. Any information we provide is for the strict purpose of illustrating the lending process only and does not constitute any form or financial or legal advice.

Money Gap Limited is a company registered in England and Wales with company number 6617413.
Registered Office: 89 New Bond Street, London W1S 1DA. Correspondence address: 14 Grays Inn Rd, London WC1X 8HN. Authorised and regulated by the Financial Conduct Authority. You can find us on the FCA Register with Reference number 726151. Data Protection Registration Number Z1696368. is a trademark and trading name of Money Gap Limited. Copyright ©2018 Money Gap Limited. All Rights Reserved.