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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Payday Loans UK: Payday Loans Instant

Payday loans instant have become popular because of its impressive characteristics – speed, convenience, and accessibility. It has eliminated the traditional way of borrowing money where the borrower needs to visit the lending store personally jus to borrow money; now, all they have to do is fill out an application form online.

The form possesses a 5-minute worth questions asking about the debtor’s personal and financial details. After verification, the lender quickly releases a decision, stating whether the application is approved or rejected. Once approved, it takes an hour or less before the fund is transferred directly to the borrower’s bank account. As long as the debtor has means to repay the loan, he can surely get his hands on the loan.

With just a few clicks, you can be directed to a number of payday loan officers and you have three ways to find out which among the loans are the best. First is to conduct a research on your own; browse at least five lenders and compare their rate, reviews, and repayment terms to know who offers the right deal. Or, you can reduce the effort spent by talking to licensed loan brokers. They have a wide access to different payday lenders and they can surely provide the one who is suitable to your needs. Otherwise, you may turn to loan comparison websites. All the basic details about different lenders are gathered for easy comparison so the only thing you need to do is choose.

The most important thing to know before getting a loan is the lender’s terms and conditions. These save you from hidden charges, helps you understand their repayment option and terms, and the obligations of both parties. There are no fees involved and you have the right to reject the offer unless you’ve signed up a contract.

Payday Loans Direct Lender

Those who are not fond of long lines and face-to-face interaction find payday loans convenient. The loan is almost readily available so it is ideal to resolve urgent expenses and unexpected bills. All it takes is an own checking account and a proof of income which may come from salary, pension, benefits, etc. It is also perfect for borrowers who have bad credit or have no history. If you have no access to credit cards or have limited savings, the loan can be the perfect option.

But despite all the benefits it provides, you may think twice about going to a payday loans direct lender. The short-term loan offers a small amount that is useless for long-term financial goals. Successful borrowers are also required to return the one lump sum – which is consist of the principal rate, interest, and other charges – within two to three weeks. Most borrowers who cannot commit to the repayment term suffer from expensive charges that eventually lead to a cycle of debt. Payday loan lenders allow rollover or loan extension as long as the borrower agrees to pay for additional fees. In addition, it carries a high-interest rate that makes it more expensive than the other options.

Payday Loans For Bad Credit

A credit score is one of the basic criteria of many lenders. It is used to check the borrower’s performance when it comes to borrowing money. The credit bureau is the primary source of the loan seeker’s credit report. Basically, it has two purposes – to protect the lender and to assess the borrowers. Fraudulent activities may happen and a credit report ensures that the borrower can commit to repaying the loan. His creditworthiness is also measured to know whether his worthy of the loan or not. Because of this, many borrowers with bad credit are constantly rejected by banks and traditional loan providers. This damages their credit score even more.

Luckily, with payday loans, the credit report is not an issue. In fact, most lenders do not conduct any credit check. Even with an unaccounted debt or outstanding loan, you can get an instant fund to relieve your financial problem. However, you have to meet the basic criteria such as the age, residency, and a proof of income. Having a bank account is also important for payday loans bad credit since it is used to receive money and return the repayment.

Does Payday Loans Have Guarantor?

If you’re wondering if payday loans need a guarantor, the answer is no. The loan allows you to have the financial assistance you need without bothering anyone. You can borrow discreetly without the need of another person who can vouch for you. As long as you have an active bank account and source of fund, you can surely win the lender’s approval.

Payday Loans Require No Guarantor No Collateral

To be eligible, all it takes is a proof of income. There’s no need to pledge any collateral like a car, house, or jewelry. Not even your mobile phone or other gadgets are required. Unlike other types of loan, all you have to do is prove your capability to settle the loan.

Payday loans are expensive and lenders need to ensure that they can have their money back. This is the reason why they apply high-interest rates – to discourage those who cannot afford the loan. Traditionally, you need to be employed to be approved. Your next paycheck is used to secure the repayment. But now, even without a stable job, you can still have a chance to get the lender’s approval. Other alternative funds – such as pension, alimonies, or benefits – are accepted by most loan providers. You may also apply for the loan if you’re working as a freelancer or a part-timer. However, not all lenders will consider your condition and you have to spend time looking for one.

While researching is a common method to find the right payday loan provider, you can also ask for referrals. A family member or a friend may have the same situation and they can suggest an appropriate lender. Otherwise, you may take advantage of the internet. No matter how much you need the loan, do not settle for the first lender you see; instead, take your time to shop and compare.

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.