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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, most of us only ever need a quick short term loan to cover immediate costs.

Unexpected expenses can come quickly. It could be a medical emergency or a sharp rise in utility bills over the winter.

Instead of applying for a large sum at the bank or securing a long term personal loan, a fast online loan with CashLady could be just the thing we need.

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

If your bank supports faster payments and you need money today, Cashlady is here to help.

What is a quick loan?

A quick loan is a form of personal credit designed to provide fast solutions for cash emergencies.

Credit applications are normally completed online or in-store.

Funds are often made available on the date of application, especially loan amounts that are smaller in value.

This type of emergency finance is often suitable for those with relatively poor credit, as the loan amount is small and the loan period is short.

Filling an application form is usually straightforward. You snhould normally receive a quick provisional decision (usually in a few minutes).

If the loan application is successful, funds can sometimes be transferred within the hour.

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

Quick loans in the UK

Quick Loans in the UK are advertised by many types of credit providers.

Payday loans are the most common type of fast convenient finance. However, numerous UK lenders now offer longer-term finance solutions using similar models.

Other fast credit options can include:

  • Logbook Loans
  • Guarantor Loans
  • Pawnbroking
  • Credit Unions
  • Credit Cards
  • Overdrafts

Whatever form of quick credit you decide to use, make sure you work with UK companies regulated by the FCA to ensure your protection.

How does quick finance work?

Loan Application - This involves submitting personal details that usually include:

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

Underwriting - The information you have provided will allow the credit broker or lender to analyse your credit history and either make a decision or ask for further information.


  • Approval/ Offer made - 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.

If you have used a credit broker, you may be presented with numerous offers from multiple lenders.

  • Declined - Unfortunately not every loan application is approved.

For more information about your application, you should contact the lender directly, or, check your credit history with a credit agency such as Experian.

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

Accept the loan - Read the loan agreement carefully and sign the agreement if happy.

Receive funds - Funds will be transferred directly into your bank account.

Repay the loan - Make your loan repayments as according to the repayment schedule.

this infographic explaining the loan appliaction process

Fast loans online with CashLady

CashLady helps UK customers apply for quick payday loans online through our website 24 hours a day, 365 days a year.

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

Our online loan application process has been designed to give you the best possible website experience.

Our ‘state of the art’ proprietary backend system contacts lenders automatically to assess your loan application.

Loan rates vary from 10.8% APR to 1325% APR. The minimum borrowing period is 3 months and the maximum is 24 months.

We have relationships with multiple FCA authorised credit providers who will analyse your application in real time and decide if you can afford the loan amount requested.

Importantly, CashLady will never charge you any fees for making a loan application through our site. Our fast loan service is always 100% free to use.

Loan eligibility criteria

The basic criteria for a successful short-term loan application are:

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

What happens when my loan application has been approved?

a handyman and a pretty woman are discussing some financial issues

If your loan application has been successful, the lender may need to carry out additional identity checks, credit checks and an affordability assessment to make sure you match their lending criteria and can afford to repay the loan as agreed.

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 need to sign your loan agreement (mostly online) before any money is transferred to your bank account.

You may need to have your mobile phone handy because you may also be sent a pin code to verify your electronic loan agreement.

Doing this means you will probably save time as you won't have to print off any documents, sign them off or send them via post. Your entire agreement can be completed quickly online.

Faster payments

Most short term loan providers offer ‘faster payments’ 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 meant that customers with an urgent, cash emergency 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 quickly funds can reach your bank account.
an infographic explaining  how faster payments work and how quick loans can reach your bank account

Quick loans with direct lenders

Our loans will always come from a direct lender, however, there are reasons to consider using an FCA regulated credit broker like CashLady:

  • You can access multiple lenders at once, without the hassle of completing multiple loan applications.
  • You are instantly matched with the lender most likely to approve your application (saving time and energy)
  • You will protect your credit history by avoiding multiple credit searches
  • Peace of mind. FCA authorised credit brokers adhere to best industry practices. If you're uncertain as to whether a broker or financial provider is authorised, you should check the

If you choose to apply with a lender directly, make sure you do your research first to establish whether you are likely to be approved.

Making multiple credit applications within a short period of time can damage your credit record unless the provider offers an eligibility checker, which won't leave a footprint in your credit history.

a list of Cashlady's partners - uk credit lenders

Typical uses for quick credit

When an unexpected bill comes in just before payday - you need emergency funds, fast.

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

  • Vehicle breakdown
  • Paying bills
  • Home repairs - such as a boiler breakdown or washing machine problem
  • Unexpected expenses including travel - tickets, petrol etc
  • Breaking down the cost of a large purchase
  • Family commitments
  • Covering or contributing to the cost of a loved one's funeral

Quick payday loans can be a suitable solution for situations like these. However, there are some instances when a fast credit option isn't advised, including:

  • Repay 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.

If you are struggling to pay for essential living costs and struggling with personal debts, it may be a signal to look at your situation in more detail.

an infographic showing warning signs that someone has serious money problems

If you feel that you need impartial advice and support in relation to your debt, get in touch with The Citizens Advice Bureau, The Money Advice Service, or The Debt Advice Foundation.

Can I get an instant loan without a credit check?

Need a quick payday loan with no credit check?

If you want to borrow money from an FCA authorised loan provider, you will almost definitely have a credit search on your file.

All lenders are legally obliged to credit score new applicants.

This not only ensures the borrower can afford any loan offered, it also serves to protect the lender, as it helps them understand the creditworthiness of the applicant.

Instances, where a quick loan may be offered without a credit can be where collateral, is secured against the loan – for example, a logbook loan

If you decide to consider securing finance against an asset, make sure you keep up repayments as you may be in danger of losing the asset in the future if you default.

Are there quick loans for bad credit?

A handsome man showing that lenders may consider people with a poor credit record

Quick loans can be suitable for those with a bad credit history. This could include a background of:

  • Late credit payments - on credit cards, contract phones, catalogues or loans
  • Bank accounts that have gone above their overdraft limit
  • Missed repayments on credit accounts

It is worth noting that different lenders each have unique eligibility criteria.

While some may accept those with a poor credit score, others may only accept applicants with a ‘good to excellent’ credit rating.

At CashLady we have helped thousands of people find the right lender for their circumstance by showing their application date to our panel of lending partners specialising in loans for bad credit and instant payday loan solutions.

What are quick loan interest rates?

Interest rates for quick finance products tend to be higher than longer-term personal loans.

There are many reasons for this.

First and foremost, the loan term of a quick finance tends to be far shorter.

In general, fast loans are paid back in 3 months or less.

This form of credit is also often used by customers who suffer from imperfect credit histories.

This can mean a higher risk of default for the lender.

One thing often overlooked by people researching interest rates are the price caps put in place by the FCA, who have put in place fair rules for responsible lending.

These restrictions mean that your loan repayments will never go beyond the price caps, no matter what the interest rate or representative APR suggest.

Use our interest rate calculator to work out how much interest you'll pay over the course of your loan.

Can I cancel my quick loan?

Two pretty young ladies are holding a banner

Yes - you are legally entitled to cancel your loan.

All UK consumers have a ‘cooling off period’ of 14 days from either the date your loan agreement was signed or from the day you received your copy of the agreement (whichever happens to be later).

Further details around cooling off periods can be found in the Consumer Credit Act, 1974.

If you do choose to cancel your credit agreement, you will need to repay the money within 30 days.

You will only be charged interest for the period you had the credit available; any additional charges must be refunded by the lender.

Should I consider applying for quick finance?

Thousands of people apply for quick finance across the UK each day.

Almost every person experiences a cash emergency at some stage of their life and not everybody has the luxury of friends or family to help out.

When it happens, it can be a very stressful experience.

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

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

an inforgraphic showing advantages of quick loans

5 main benefits of quick loans:

  • Fast online application
  • Swift approval decisions
  • Same day transfer of funds (if facilitated by lender)
  • In most cases, an online ‘e-signature’ process
  • Early repayment without any fees (most lenders)

Are quick loans secured?

a handsome man is sitting on a bench and holding a pile of outstanding bills

Whilst most quick online loans tend to be unsecured, there are certain fast, short-term loans that are secured against an asset. Logbook loans are a popular form of personal finance if you own your own vehicle.

The finance is secured against the market value and can be attractive for people who have very poor credit profiles as the decision to lend is based on other factors.

Pawnbrokers are another way to release money tied up in personal valuables.

Other types of secured finance, such as loans taken against property, don't fall under the term ‘quick loan’, as they generally take longer to be processed and approved.

Apply for Quick Loans with CashLady

CashLady can help accomodate the following typical range of quick loan options with our panel of direct lenders:

Loan Type Typical Loan Amount
Quick Loans Online £100-£500
Fast Loans for Bad Credit £100-£500
Quick Short Term Loans £100-£2000
Same Day Loans £100-£500

Quick loans - summary

For most people, access to fast credit is important. Especially in times of unexpected emergencies.

At CashLady we make sure the lenders we work with are able to offer our customers a quick, professional service. Using CashLady to find the right lender can save you time and money.

Importantly, it can also help to protect your credit score as you may be able to avoid repeated credit checks.

Our service is always 100% free for our customers - so you have nothing to worry about.

We are FCA Regulated, members of the ICO and have won awards for the way in which we do business. Over the years we have helped over 3 million people apply for quick loans. If you need to borrow money today, why not apply with CashLady and see if we can help you too.

Related video and summary of quick 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

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 © 2019