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)
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.
We Will Guide You Every Step of the Way
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
Click ‘Show More’ for a representative example of their rates.
Loan amount £400 for 30 days. Total amount repayable £459.36. Interest 180.5% p.a. (variable). Representative 728.9% APR
Quick Loans Direct Lender
If you’re a regular employee, you might be wondering how you can maximize your fund and use it on different things. Maybe you’re thinking about payday loans but you’re clueless how to get it online – or even if it’s possible to acquire over the Internet. But before jumping into this matter, it’s best to understand what a payday loan is.
A payday loan is a small amount of money with a high-interest rate. People who are employed are likely the ones who get the approval. The repayment period is usually on the borrower’s next payday. While it can be done in a traditional way, you can get it with the help of a laptop and steady Internet connection. This means that you can get the money without visiting a loan office, falling in a long queue, and talking to a lender in a face-to-face manner. Instead, you only need to visit a legitimate website and fill out the readily-available application form. Normally, lenders will only ask for personal and financial information; however, there will be times when a quick loans direct lender will demand a copy of certain documents. There’s no need to submit it personally; you can fax or a send a soft copy of the file over email.
Traditionally, you need to wait for days or even weeks to get the fund you need, but with payday loans, you only need to wait for one day. It is fast, easy, and convenient. While most online loans are available in web version, there are lending facilities that have created downloadable apps. This provides an easier access with extra cash.
Because of its speedy nature, the loan is beneficial when you need to attend urgent expenses or sudden bills. However, you should be aware of its high-interest rate.
Quick Loans UK: Requirement For Quick Loans Instant
One reason why a borrower borrows quick loans instant is due to a bad credit. Many lenders take credit score as a primary factor to get approved. A bad credit rating automatically spells rejection. Luckily, there are bad credit loans created for special cases. This loan provides financial assistance to those who have filed bankruptcy, committed arrears and late payments, have CCJs against them, or have defaulted on loans. You can get your desired approval as long as you can meet the lender’s basic requirements, such as:
The borrower should be 18 years old and above.
The borrower should provide a proof of income such as payslip, certificate of employment, etc.
The borrower should be a UK resident or citizen
- Bank Account
The borrower should provide necessary bank details
These basic requirements are enough to get the approval you need. If you’re a person with benefits, you may ask the lender if they accept alternative funds as proof of income.
Can You Get Quick Loans Guarantor Online?
Almost anyone can get the loan they need online. Payday quick loans guarantor is flexible and considerate with their credit ratings and most lenders will accept your application as long as you can provide a source of income. If you ever get rejected, here are some reasons why you’re not qualified:
- You are not employed and you cannot provide alternative funds.
- Your source of income is not stable.
- You are self-employed. Your chance of getting a successful application is low unless you have bank statements that can verify your income.
- Your annual gross income barely meets the lender’s requirement.
- You don’t have a working bank account.
- You have outstanding debts from other companies.
- You have a history of bankruptcy.
Quick Loans Bad Credit: Factors Aside From Credit Score
A credit score is usually the only basis for your approval — or rejection, but not with quick loans bad credit. Even if you have an unpleasant financial history, bad credit lenders have other ways to determine your creditworthiness. There are other factors involved and they use it to create a decision. For instance, you can provide collateral or a guarantor.
If you have a property under your name and you’re willing to put it at risk, then you can use it as a security against the loan. Since the lender has something to hold on, your chance of getting approved is high. However, you need to repay the loan no matter what; otherwise, your asset will be legally repossessed.
Meanwhile, you can bring a guarantor who can vouch for your credibility. The other person, who can be another family member, friend, or colleague, will cosign in the contract, agreeing to take over the repayments in case you stop repaying the loan. Looking for a guarantor is tricky though but this will give you a higher chance of getting approved.
Quick Loans No Guarantor
If you cannot find another person, the best way to get a low-interest rate loan is to improve your credit remark. It is easier said than done but with a little commitment and effort, you can surely have what you desired. Below are some tips that can help you increase your credit rating:
- Check Your Credit Report
Even if you’ve been a responsible debtor who repays the loan on time, you can still get a bad credit. To fix this, all you have to do is ask for a free copy of your credit report, check any inaccuracies, and report it to the credit bureau.
- Repay All Outstanding Debts
Settling all your debts is a difficult task; however, you can make it easier by talking to the lender. Open up about your situation and your will to repay the loan. Some loan providers may provide flexible repayment term, waive fees (if possible), or reduce the interest rate.
- Stop Opening New Accounts
If you are using credit cards, do not make new unnecessary accounts; rather, increase your available credit.
- Create Payment Reminders
To avoid late or missed payments, you may download apps or use a calendar to remind about your repayments. You may also ask your bank to help you; some lenders may send notification via email or text to remind you about the repayment.
3 most recent personal loan reviews
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
Ease Of Use
Value For Money
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
Ease Of Use
Value For Money
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
Ease Of Use
Value For Money
All Reviews have been acquired from https://uk.trustpilot.com/ to guarantee authenticity.