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Representative Example:
305.9% APR. £400 borrowed for 90 days.
Total amount repayable is £561.92 in 3 monthly instalments of £187.31.
Interest charged is £161.92, interest rate 161.9% (variable)

Please note:
Cashity is NOT a lender – we are a licensed broker working with the most popular direct lenders in the market to find you the most suitable short-term loan plan. Our FREE quoting service compares more than 40 lenders quickly and finds you a lender with the lowest rate that they are willing to lend to you today.

Rates from 45.3% APR to 1575% APR – we provide a no obligation quote, your APR will be based on your personal circumstances

Welcome To Cashity

Welcome to Cashity the one stop shop for all your loan needs we specialise in providing a fast and hassle free finance applications. Put that spending power back in your wallet with Cashity’s 90-second application process.


We have a Variety of Loan Options

Click around and find out what suits you best. You may find that there is a loan here that suits your circumstances perfectly. If not then why not get in touch with our amazing team, they can find a plan to fit any situation.

Instalment Loans
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We will find the best plan to suit your individual needs no matter what amount you’re looking for or for how long.

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We have a dedicated team on hand every day to make sure that you get the service that you deserve.

Competitive Examples from Rival Companies

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Loan amount
Loan term
3 months
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Loan amount
100 - 2,500
Loan term
6 - 14 Months
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The Truth of Payday Loans for People with Bad Credit

What are payday loans for people with bad credit and how can you avail of them? Does this mean that there are actually lenders who are willing to provide loans without conducting credit checks? If there are, are they legitimate and can I trust them? These are some of the questions that might come to mind when you hear payday loans being offered to applicants with bad credit. To shed light on the matter, this article will provide you with everything that you ought to know and help you decide if a payday loan is the best choice for you.

What Are Bad Credit Loans?

So what does “bad credit” actually mean? This is a term used to represent a person who has experienced problems with credit in the past. It is important to note, though, that this term is a vague description and does not necessarily offer accurate information about a person’s actual credit history. It cannot be quantified in numeric terms like a credit rating. This is the same as a “bad credit loan” which is also a vague description on a loan intended for individuals who possess poor credit scores. The truth is lenders will normally refrain from providing loans to individuals with very low credit scores because of the risk of payment defaults. However, payday loans offered in smaller amounts for shorter durations with interest rates are indeed offered to people with less than perfect credit scores.

Having a Payday Loan without a Credit Check?

While not every lender will provide “bad credit loans,” and having a “bad credit” will seem like a major hurdle in obtaining a loan, there are lenders who will consider other factors aside from credit rating when granting loans to applicants. Factors such as income and age could be more important than the applicant’s overall credit rating itself, making it an appealing option to numerous individuals looking for a quick loan. Overall, the applicant’s general affordability is the main criteria when looking at his eligibility for a loan. So when you are in dire need of cash but you think that you’re not so appealing credit score will just lead you to a rejection, remember that there are lenders who are willing to give you what you need as long as you can afford it.

How Credit Ratings Affect Your Loan Application

Credit agencies conduct ratings on individuals by putting into account an array of information including past credit history. The ratings are represented by a certain number that shows the level of risk in defaulting from a payment. How a lender weighs those numbers, however, is entirely up to them. They can choose to accept an application despite its low credit score as long as they can see a realistic deal that can work well for both parties.

The most important thing to remember is that an application for a loan cannot be summarised purely on the grounds of a good credit or a bad credit. Every lender will always take into consideration a range of factors and while one lender might reject your application because of your imperfect credit score, another one might be willing to accept it. In the end, there is no such thing as “good credit loans” or “bad credit loans,” but only different lenders willing to accept different levels of risk. However, bear in mind that your low credit score can become a factor in incurring higher interest rates. Normally, the lower the credit score the bigger the interest rates would be.

Improving Your Credit Score with Payday Loans

If you have a poor credit rating, Payday loans can be a means for you to improve it. Just be careful, however, as every application will be recorded on your credit history – numerous applications can mean you constantly need quick cash or taking on debts that you cannot afford. Also, if you miss out on your payments it will deal a negative impact on your credit score and push you back even further. Always remember to only take out a loan deal that can afford. Draw out a plan on how you are going to make your payments and stay committed to it.

Those are some of the things that you need to know when taking out a payday loan in relation to credit rating. In the end, always remember that how your credit rating will affect your application for a loan will depend entirely on the lender and how he sees it as a risk for defaulting on payments. And if a lender grants you a loan despite your poor credit rating, remember that it will almost always come with higher interest rates.

3 most recent personal loan reviews

Review of Drafty

Excellent, paid on time, offered a top up a year later- done within less than 30 minutes - paid out within two hours can't fault this company had two loans with them prior to this one.

Review posted by Andrea Attwood, Harrogate

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Tesco Bank

Company makes sure that guarantor and applicant understand their contractual obligations. Faster payment is used so participating banks transfer the money in less than 2 hours, mine for Tesco-Guarantor-Applicant was less than 2 hours for the total process. Avoid an Easter weekend, takes longer to process applications. Also, look at other lenders, some ask over 1000% interest, Tesco, 49%, early repayment allowed, interest charged on a daily basis to repayment date.

Review posted by Micheal Peters, Southwold

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Ferratum

When I made my application I thought it was merely a scam. It was too good to be true considering my credit rating. I couldn't believe my eyes when I checķed my account a few hours later and saw the huge amount sitting there. I don't hesitate to give Ferratum the highest ranking on the land for believing in me and made my dreams possible by making the funds available to me in a short space of time hussle free. No paper work, no stress.

Review posted by Lorraine Smith, Ironbridge

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

All Reviews have been acquired from to guarantee authenticity.