Warning: Late repayment can cause you serious money problems. For help, go to MoneyAdviceService.org.uk


Get Up to £5,000!*

Select an Amount:

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
Fast Loans
Loan Locations

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.

Check Out What Made Her Smile

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
Loan term
3 months
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Loan amount
100 - 2,500
Loan term
6 - 14 Months
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What Makes Online Loans So Great?

The internet has allowed access to information and applications anywhere at any time, meaning you can apply for a loan in the relaxed comfort of your own home without having to go down to a local bank, if they haven’t been closed down already.

Online Loans From Direct Lender, Are They Better?

Online banking has been used by many people for several years; however, online loans are still taking time to be recognized. Although borrowers are taking advantage of it, most are still intimidated by how it works. Luckily, there are plenty of online lenders to choose from who are willing to make an impressive and smooth transaction. Online loans are promising convenience and one-of-a-kind experience; rather than filling out a number of forms manually, you only need to complete a 2-minute online form.

That being said, the loan works by visiting a lender’s website and accomplishing the application form with the loan seeker’s personal and financial details. While most lenders will consider your credit to come up with a decision, some loan providers will only use it to determine the maximum amount you can borrow and the interest rate to be applied.

Once approved, the loan will be deposited to your bank account, thus it’s important to have one before applying for a loan. The same bank account will be used to settle the loan through auto-debit. On the agreed repayment date, the lender will withdraw the money, taking away the overall amount. This includes the principal rate, interest, and other charges. Online loans are expensive, so use it at your own risk.

Basically, online loans are created to provide money in a safe and easy way. However, there are scammers claiming that they are legitimate loan providers. Therefore, finding out whether the online loans direct lender is licensed or not is recommended.

Online Loans For Bad Credit Scores

When it comes to credit, most online lenders conduct checking. Meanwhile, there are those who offer no credit check loans or also known as bad credit loans. For those who have committed financial mistakes such as CCJS, arrears, bankruptcy, late payments, defaults, and the like, this sounds like an attractive offer. However, most of these lenders have hidden agenda, and that is to apply very expensive rates. Once you missed a payment, an additional fee will be charged on top of your original rate. They do this to reduce the risk and to earn money from the bad credit borrowers.

Credit checks are important and this is one of the reasons why most banks and traditional loan facilities will reject your loan application. So, if you want to rely on online loans, avoid payday or title loans; instead, go for those lenders who conduct “soft credit check”. These lenders will still consider your credit score but will not use it as a sole factor in their decision.

Online Loans UK In An Instant

One of the reasons why online loans the UK is beneficial is its speed. Unlike the brick-and-mortar lender, they release fund in an instant. Since the application process is done online and it needs a little time to verify the borrower, the money is transferred to the bank account in as fast as one hour! Another advantage is the better rate. While most people think that it is expensive, most online loans charge less. They don’t have any overhead charges or physical offices like banks and conventional loans. Regulatory costs are also not applicable so it means that their interest rate is reasonable. When it comes to decision making, online loans instant promise quick approval – that is if you have a good credit. But if you’re still building a credit history or if your credit rating is unpleasant, things may not be the same. However, your chance of having a successful application is higher than applying through banks. The online lender will still consider other factors or “alternative” information to support your creditworthiness such as your bank statement, utility payments, etc.

For those who have no property or are scared of putting their asset at risk, an online loan is ideal. It is unsecured and you’re not required to pledge collateral just to be qualified. Your credit score will drop if you choose to default, but you will not lose a car or jewellery or even face a foreclosure. Nevertheless, it is important to settle the loan on time if you want to have a better deal in the future.

Online Loans With No Guarantor

There are many types of online loans that won’t require any guarantor and one of the most familiar ones is the payday loan. The loan has been the centre of many critics because of its expensive charges. However, payday loans are reliable when you need cash to attend urgent or sudden expenses. The loan follows the same online procedure – filling out an application form, verification, and sending the money. However, instead of giving a postdated check, you will only provide the lender with an access to your bank account. The total amount will be debited on your next payday, depending on the lender’s terms and conditions.

Another type of online credit is the title loan. Like payday loans, it has a high Annual Percentage Rate (APR), thus easily trapping the borrowers in a vicious cycle of debt. It is secured and you need to pledge the title of your car, motorcycle, truck, or other types of vehicle. When you decide to stop repaying it, you could lose your car. Lenders have the right to repossess your vehicle, put it on sale, and use the money to settle the remaining amount.

Guarantor Loans Online

If you want to reduce your fees and increase your loan amount but you don’t have collateral to surrender, you may turn to online loans guarantor. The loan is suitable for bad credit borrowers or those who cannot meet the lender’s criteria. By providing a security in the form of another person, your chance of getting granted becomes stronger. However, the cosigner is required to have an excellent credit rating, a stable source of high income, and the will to settle your loan in case of default.

No matter what type of loan you’re planning to get, be sure to assess your financial capability first. A low credit score is damaging enough and losing a property or wrecking the relationship with your guarantor is worse.

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 https://uk.trustpilot.com/ to guarantee authenticity.