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.

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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
Loan term
3 months
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Loan amount
100 - 2,500
Loan term
6 - 14 Months
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Cash Advance Payday Loans: A Quick Guide

Sadly, a lot of people today do not have enough money at their disposal to cover emergency situations. Most are simply getting by paycheck to paycheck. When the car breaks down or a family member gets rushed to the hospital, where will they get the money? When their cash suddenly runs out and their paycheck is still a week away, what will they do to survive? In these times of dire need, a cash advance payday loans can be a lifesaver.

The Process of taking out a Payday Loan

Payday loans: short-term unsecured loans designed to bridge the gap between paychecks when the need for instant cash arises. There are plenty of places where you can take out the loan, both online and offline. Whether it means going to a payday loan store or submitting online, the process follows virtually the same steps:

  • You are required to give some personal and financial information relevant to the loan, like Identification and bank account details.
  • Make a loan request for a certain amount of money. The money can be secured by a check or via bank account debit authorization.
  • Agree on a certain payment term. The term will include the full amount plus interest rate. It is to be paid after a certain period of time, mostly on your next payday.
  • Receive the money that you borrowed for personally or through electronic bank transfer.

Bear in mind that there are factors that will decide on the amount of money that you can borrow. Such as your monthly income. Credit history is not a deciding factor though. Which is why payday loans are popular credit options among individuals who can’t avail for traditional financing. Whether it’s due to bad credit ratings or those who don’t have an existing credit history at all.

How Does it Work?

For instance, you have a medical bill that you need to cover and decide to take out £400 cash advance payday loans to cover the expense. You will issue a post-dated personal check of £440 (the £40 being the loan’s interest rate) addressed to the lender. You show this information in your online application and the lender approves your request and transfers £400 to your bank account with the agreement that you will pay £440 in a certain period of time, usually 14 days or in your payday. When the time is up, you pay the lender £440, allow them to deposit the post-dated check, or make another post-dated check for the said amount including the interest rate charges.

However, if you fail to pay off the full amount plus interest rate, the lender has the power to charge you even further making the loan very costly. This is why it is very important that you make the proper repayments when taking out cash advance payday loans from any lender because you will never know such a small, short-term loan can become a real thorn in your financial health when the extra charges come crashing in.

Who are the Borrowers?

Every year, millions of people avail for the cash advance payday loans lender. The loan is designed for speed and accessibility which makes anyone with a checking account and a reliable income a potential borrower. Mostly, borrowers who do not have access to credit cards or savings accounts are the primary costumes of this type of credit. Also, people who have bad credit history or do not have an existing credit history (this can be true to most fresh graduates and young adults still in the early stages of their career) are regular costumers since lenders normally do not require credit checks when evaluating loan applications.

What Are the Benefits?

In times of emergency situations, cash advance payday loans can be an option worth considering especially if you don’t have access to credit cards. You can easily turn on a payday loan lender and get the money that you need to cover up medical bills, car repairs, and anything that requires urgent financing, without much delay. Most importantly, if it is too difficult to apply for traditional financing because of your credit history, then having this loan would prove useful. And if you suddenly run out of cash and it is still a long way before you get your next paycheck, you might just be glad that there is a payday lender just around the corner.

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.