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Looking for a payday loan?

Our award-winning service could help you secure a payday loan in 2 minutes.

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.

At CashLady we help you find a loan when you need it most. We all have financial emergencies from time to time and with loans starting from just £80 you should never have to borrow more than you need.

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

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Cashlady explains what payday loans are

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

What are Payday Loans?

payday loan is a form of high cost credit options

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

Payday loans are forms of high cost credit which means that the APR exceeds 100% and the loan term is less than 12 months.

Online Application process

When you have a cash emergency, it is usually at the most inconvenient of times. Being able to apply securely, online makes the application process much easier to deal with.

Applying online can also mean you get a quick decision from the lenders. If your application is approved and your bank allows it, you may be able to receive your funds the very same day - helping you to resolve your financial emergency and reduce some of those financial worries.

The image helps you navigate through the CashLady payday loan application

How Much Can You Borrow

At you can apply for loans between £80 and £2000 but most people never need more than £500.

It is important to know that the more you apply for the more difficult it may be to get approved. This is because our lenders assess each loan application for both risk and affordability.

If your income is low or your monthly expenditure is high, there may be concerns about your ability to repay. So make sure you only ever apply for the amount you need to cover your financial emergency.

Payday Loan lending Criteria

Before you apply for a loan, make sure you can comfortably meet the lending criteria. If you do not meet the minimum criteria, it is unlikely we can help you.

learn what our trusted lenders consider when making a decision
The infographics shows all you need to know about payday loans

How to get a payday loan approved?

Nobody wants to be turned down for a loan. But UK lenders must act responsibly when it comes to lending money and this means assessing each application carefully and considering the circumstances.

Before you complete your payday loan application, check the following:

  • Have you provided 100% accurate information?
  • Can you comfortably afford the repayments each month? If you are not sure check our free online affordability calculator
  • Are you in full employment? (ideally at least 3 months)
  • Is your money paid into a UK bank account?

Most lenders won’t consider lending more than £500 to first time applicants, so bear that in mind. If you are approved for your first loan and make your repayments on time you may be able to borrow a larger amount in the near future.

What you need to avoid

  • Repeat/ multiple applications
  • Outstanding loans/ credit obligations
  • Unpaid debts
  • Borrowing more than you can afford to repay
short-term credit lenders offer different types of payday loans

Payday Loans - Key Features

Customer protection

  • Highly regulated by the FCA
  • 100% cap on cost of borrowing
  • Strict affordability checks by lenders

Protecting your data

  • 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

Should you get a Payday Loan?

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.

Although the price caps can limit the amount of money to be paid back, interest rates are still much higher than other forms of credit and you should look closely at the terms of your loan agreement before committing yourself.

If you are using a payday loan to service any other form of debt obligation you should consider speaking to a free and impartial service like Step Change Debt Charity who specialise in these matters.

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.