privacy policy
Warning: Late repayment can cause you serious money problems. For help, go to
Representative Example: Amount borrowed: £250 for 3 months. Repayments: 3. Interest rate p/a: 292% (fixed). Each repayment: £137.21. Total repayable: £411.63. APR 1272% Representative.

Quick Loans with CashLady

When you have an unexpected financial emergency and need a quick loan to cover urgent bills, sometimes you just need a fast, short-term loan solution to cover immediate costs.

Unexpected expenses can appear quickly. They could be a medical emergency, a car repair or perhaps a boiler breakdown?

Instead of applying for a long-term personal loan at the bank, a fast, online loan through CashLady could be a more convenient solution.

Find out your loan options- Apply Now Online
Cashlady interviewing a man about quick loans

What is a quick loan?

A quick loan is a form of short-term personal credit built for speed and convenience. Quick loan products are designed to provide fast solutions for cash emergencies.

This type of unsecured finance is often suitable for those with relatively poor credit, as the loan amounts are quite small and the loan periods are short.

How fast will I receive my money?

If an online loan application is successful, funds are usually transferred the same day, particularly if you apply during business hours. When you receive your funds will be dependent on your banks policies and procedures.

Faster payments

If your bank supports Faster Payments, and you need money today, cash can usually be transferred within the hour, often within 15 minutes.

Before faster payments became available, it could often take 2-3 days for funds to reach customer bank accounts.

This meant that customers dealing with an urgent, cash emergency often had to deal with the stress of waiting to receive their money.

an infographic explaining  how faster payments work and how quick loans can reach your bank account

a young and beautiful woman is searching for quick loans on the Internet

How much can I borrow?

If you apply for a loan with CashLady you can borrow anywhere from £100 - £5000. If you are looking to borrow a large amount of money quickly, you should make sure your credit file is up to date to ensure you give yourself the best chance of approval.

When would I use quick credit?

Quick credit solutions loans can often help manage short-term financial problems that may include:

  • Vehicle breakdown
  • Paying unexpected bills
  • Home repairs - such as a boiler breakdown or washing machine problem
  • Unexpected expenses
  • Breaking down the cost of a large purchase
  • Covering or contributing to the cost of a loved one's funeral

When should I not consider using a quick loan?

Quick loan products can be suitable for emergency situations. However, there are some instances when a fast credit option isn't advised, including:

  • Repaying other forms of credit
  • Pay bills such as gas, electricity, water rates, TV license, council tax or rent
  • To pay a bailiff/company demanding payments
  • Entertainment
  • Luxury (non-essential) purchases.

Contact the Money Advice Service or Stepchange if you feel need help with your financial situation.

5 benefits of quick loans:

  • Fast online application
  • Quick loan approval decisions
  • Same day transfer of funds (if facilitated by your lender)
  • Online ‘e-signature’ process (in most cases)
  • Early repayment without any fees (most lenders)
an inforgraphic showing advantages of quick loans

Who provides quick loans in the UK?

There are many quick loan providers in the UK today, both online and on the high street.

High-cost short-term loans are the most common type of fast convenient credit. However, numerous UK lenders now offer longer-term finance solutions using similar models. If you need a loan urgently, you will need to contact a lender or use a broker to help you find the right credit provider.

Direct lenders

If you apply for a loan directly with a lender, you will have to complete an application form (usually online) and submit it directly to them.

If your loan is not approved by the lender, you will need to apply for a loan elsewhere and start the process again.

There are a number of loan providers in the UK that specialise in providing fast financial solutions to UK borrowers. Always make sure they are authorised by the Financial Conduct Authority (FCA).

Quick loan providers in the UK

If you choose to apply with a lender directly, it is always useful to check your credit file first to make sure your details are correct. If there are any errors, it may impact the chances of your loan application being approved.

FCA Register

You can check direct lender company details on the FCA Register To make sure your credit provider is fully FCA authorised.

Credit brokers

Using a credit broker to find your quick loan can save you a lot of time and improve your chances of success. Instead of applying to each lender directly, you can just submit a single application through a broker.

Benefits of a credit broker

  • access multiple lenders at once, without the hassle of completing multiple loan applications.
  • instantly matched with the lender most likely to approve your application (saving time and energy)
  • protect your credit history by avoiding multiple credit searches

How do quick loans work?

Quick finance usually works by completing a small application online which is then approved and underwritten by a loan provider. For speed and convenience, most quick loans are completed electronically.

Fast application process

Completing an online application form is usually straightforward and means you should receive a quick decision on your loan application (usually in a few minutes).

when you submit a loan application you will need to provide:

a pretty woman is holdin a banner which says that Cashlady's quick loans are easy to use
  • Loan amount
  • Personal details
  • Address
  • Residential Status
  • Employment status
  • Monthly Income
  • Regular Outgoings
  • Bank account details


- The information you have provided will allow the lender to assess your credit history and either make an immediate decision or ask for further information.

Quick loan decisions

When you apply for a loan you should receive one of three decisions from a lender.

  • Loan approved

    You will be shown the loan amount, the interest rate, total interest payable and details such as the number of repayments, and the loan starts and end dates.
  • More information needed

    - The lender doesn’t have enough information to make a clear decision and will need you to provide further information or commentary.
  • Declined

    - Unfortunately not every loan application is approved. If your loan is declined you should consider reviewing your credit file.

If you are declined you should contact the lender directly, or, check your credit history with a credit agency such as Experian.

They will help you to understand what may have affected the loan application outcome.

CashLady loan application process

this infographic explaining the loan appliaction process

Loan Approval

If your quick loan application is approved, you may need to confirm a few details over the phone and show proof of your income with a payslip or bank statement.

You will need to sign your loan agreement before any money is transferred to your bank account. If you are happy with the offer, sign the agreement and complete the process.

It is a good idea to have your mobile phone to hand as you may also be sent a pin code to verify your electronic loan agreement.

Doing everything electronically means you will save time as you won't have to print off any documents, sign them and return them via post. Your entire agreement can be completed quickly online.

Once the lender has everything they need, the money is transferred directly into your bank account. Don’t forget that regular monthly repayments will be taken according to the details in your loan agreement, so make sure you always have sufficient funds available.

a handyman and a pretty woman are discussing some financial issues

Can I get a quick loan with bad credit?

Quick loans are designed to help people get money to people quickly so they can resolve a financial emergency. Unfortunately, many people with poor credit scores are those often in need of short-term financial assistance.

If you have a history of bad credit, lenders may be more cautious about lending to you, but most high-cost short-term credit providers set interest rates that take into account the additional risk.

Do I need a credit check for a quick loan?

If you apply for a quick loan and receive an offer from a lender, you will usually have to undertake a credit check before the loan is fully approved. If you have many credit checks in a short period of time, these can indicate a higher level of risk to a potential lender.

Are quick loans secured?

Most quick loans are unsecured, especially those conducted online.

Can I cancel my quick loan?

If you want to cancel your quick loan you have a 14-day cooling-off period from either the date the loan agreement is signed or, when you receive a copy of the agreement (whichever is later).

If you decide to cancel, you have up to 30 days to repay the money.

You can only be charged interest for the period you had the credit - any additional fees have to be refunded.

How quickly do I have to repay my loan?

Any type of personal loan from an FCA authorised provider will give you a payment schedule detailing when each repayment is going out and what amount will be taken.

If you apply for a loan over a 6 month period, you will normally be expected to make you last repayment around 6 months after your loan was approved and the money was transferred.

You can usually make early or additional payments to speed up the process if you have more money available each month than you predicted. Paying a loan earlier will quickly see the balance drop and the amount of interest paid reduced. Always check the terms of conditions of your credit agreement before you make any early repayments.

Quick Loans - Summary

Quick loans are there to help people urgently resolve a financial problem. When you don’t have enough money in your bank account to sort out these situations it can be very stressful.

This type of loan normally has a higher interest rate than more mainstream loan products, so you should take your time to read through any documentation and make sure you fully understand the terms of your loan agreement

Used sensibly, quick loans can be a good way to make sure you resolve financial situations before they become stressful problems.

I have read and accept CashLady's
   Privacy Policy and Website Terms
I wish to opt in to SMS, telephone and email marketing.
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

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