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Cashlady speaking to people on the street regarding financial emergencies

Quick Loans £80-500

When you need money fast and type ‘quick loans UK’ into Google, it can throw up many attractive options for money the same day. Quick, easy loans are attractive for many reasons.

Speed and efficiency means you shouldn’t have to wait long to receive funds. In an emergency situation, this is probably the most important factor.

Quick loans for any purpose


What are Quick Loans?

Quick loans normally involve completing a short application in-store or online. People normally look to borrow a few hundred pounds and ideally want to receive funds quickly into their bank account.


cashlady alternative to bad credit payday loans


Fast cash loans are designed to provide a quick solution to urgent money needs.

To facilitate this, application forms should be easy for the customer to complete, customers should receive a fast decision (ideally in a few minutes) from lenders and if successful the funds could be transferred to their account the same day, sometimes within the hour.

What are Quick Loans?



How does the CashLady website help you?

CashLady helps UK customers apply for quick and easy loans through our website and our service is available online 24 hours a day, 365 days a year.

This means whenever you have a cash emergency and need funds quickly, we are here to help.

We have partnered with a number of leading payday loans providers who will always try and offer you finance when you need it.

By applying for a loan through our website, your details will be processed by our quick cash lenders including Quickquid, Sunny, MyJar and LendingStream.

Once our lenders have looked at your quick loan application we will try and match you with the loan provider most likely to approve you once they have performed necessary credit checks.

This process allows you to apply with a number of payday loan providers with a single, straightforward application form. This means if you really need money fast, you are increasing your chances of being approved and getting access to cash quickly.

Our loan application criteria

The basic criteria for a successful short term loan application is:

  • Living in the UK
  • Employed and earning at least £500 per month
  • Working debit account
  • Working mobile phone and email address

How we ensure our quick loan application process meets your needs


Our application process is quick and easy to use

Our quick online application form is simple and easy to use.

We try to minimize the number of fields you have to fill in and will always include the mandatory ones for optimal acceptance results and compliance considerations.

Our ‘state of the art’ proprietary backend system contacts lenders automatically to assess your loan application. We have relationships with multiple loan providers who will analyse your application in real time and decide if you can afford the loan amount requested.

There are also no middlemen involved so you will always have direct access to the lender providing the cash.


Importantly, CashLady will never charge you any fees for making a loan application through our site.

We firmly believe that this practice is highly unethical and you should never pay any upfront fees for any type of personal loan.

When people are looking for quick loans online, it is often tempting to apply with the first website you see or an offer that seems too good to be true.

Make sure you do your research properly when searching for ‘Quick Loans UK’ and only ever trust loan providers or loan brokers who are fully authorised by the FCA and have policies in place designed around customer safety.

What happens when my online loan application has been approved?

If your quick loan application has been successful, the lender will conduct a number of automated checks, credit checks and an affordability assessment to make sure you match their criteria and can afford to repay the loan as agreed with them.

To complete your loan application, you may be required to confirm a few details over the phone with the lender and show proof of your income and salary with a payslip or bank statement.

You will also be required to sign a loan agreement highlighting the terms and conditions of your transaction.

You will likely be sent a pin code to your mobile phone, which you will have to enter online to verify your electronic loan agreement.

This means that you will save time as you won’t have to print off any documents, sign them off or send them via post as your entire agreement can be completed quickly online.

If your application is not approved, we will recommend some alternative options that accommodate those who are unemployed or have bad credit. These may include working with a credit union to help you borrow or using a line of credit.


Lending money quickly & responsibly

Quick loans may be a little more expensive than other longer-term loan products.

Some short-term loan providers may give you a choice of when you want the funds transferred, but generally, most providers will try and transfer the full value of the loan the very same day.

These types of loans are more commonly known as high cost short term loans and with this in mind, borrowers must be responsible when applying.

FCA Regulated short term lenders will look closely at affordability before approving any kind of personal loan. You must be able to comfortable pay back the money you have borrowed including any interest.

Quick loans that only last a few weeks or a couple of months are ideal for emergency scenarios where you receive funds to pay the emergency bill as soon as possible, after which you can pay off your loan easily – hopefully on your next pay date.

Therefore, loans of this nature should not be used for non-emergencies such as holidays, gifts or material goods.

A quick loan should certainly not be used to pay off another type of debt or service other loan obligations as this could lead to a debt spiral.

For more information, read our guide on how to avoid getting into debt.



Faster Payments

Most short term loan providers now offer faster payments as part of their service offering to customers to ensure that the money requested is transferred as quickly as possible.

Before faster payments became available, it could often take 2-3 days for payments to reach customer bank accounts. This mean that customers who had urgent, cash emergencies to deal with were often stuck, waiting to receive their money.

Apart from the stress of waiting, it could also have a significant impact elsewhere.

Imagine if your car needed an emergency repair and you couldn’t get to work without it?


How Faster Payments work

Below is a diagram of how faster payments work and how quick loans can reach your bank account.
How faster payments work and how quick loans can reach your bank account


Benefits of faster payments

  • Receive money in hours not days
  • No extra cost for service
  • Peace of mind – getting the money when you need it relieves stress and anxiety

When to consider applying for a quick loan

Almost every person will experience a cash emergency at some stage of their lives and when it happens, it can be a very stressful experience.

The important thing is to find a way to resolve the emergency as soon as possible.

Emergency situations could be:

  • Car repairs
  • Home repairs
  • Unexpected loss of income or non-receipt of salary

Whatever the reason, if you don’t have an emergency cash fund, you may discover that a fast cash loan is just what you need to get back on your feet.

When should you consider applying for a quick loan?

The 6 main benefits of quick loans are:

  • Fast online application
  • Swift approval decisions
  • Same day transfer of funds (once approved)
  • In most cases, an online ‘e-signature’ process
  • Flexible payment terms
  • Early repayment without any fees (most lenders)

How to get a fast short term loan online today

To apply for a quick short term loan, simply fill in our online application form (it should take around 3 minutes) and you will receive a decision in approximately 2 minutes.

That’s it – 5 minutes to get a prompt loan decision with CashLady!

Our website is completely secure and any details you provide will be held safely and never passed to other companies without your permission.

As members of the ICO we take data protection very seriously.

We always treat our customers fairly in everything we do and maintain a good reputation and quality level of service with both our customers and partners.

If you have any questions about quick loans, or anything else, simply contact us using the email address below or hop onto our live chat service so one our team members can help you with your query.


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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
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