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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Steps in Applying for Emergency Payday Loans

Taking out emergency payday loans can be a difficult decision to make especially for first timers. If the need for a temporary financial lift from a payday loan lender is crucial, there is time to hesitate. We offer help in acquiring all kinds of loans from debt consolidation to doorstep loans. There are two ways you can avail for these short-term, unsecured loans and they are via online and in-store. For online applications, all you need is a computer or your mobile phone and an internet connection to go. For in-store transactions, you will have to do the application physically in one of the lender’s registered branches near you. But whether it is online or in-store, the process is the basically same. You will generally have to take these fundamental steps to get the money that you need.

Step 1: Going Through The Terms and Conditions

Before you start filling out an application form, the first crucial step that you need to take is to look at the lender’s terms and conditions. Carefully go over them and determine whether it is the right credit for you. Bear in mind that what you are looking for is a temporary, stop-gap loan that will help you deal with an unexpected financial difficulty and not something that will provide a long-term solution to your problem. Also, try asking your family and friends for financial assistance before even considering taking out a loan. Maybe they could lend you a hand in your time of need. But if you have already considered this option and have made up your mind in getting a payday loan, then the next step would be to complete a loan application.

Step 2: Complete a Loan Application

When completing an application for a payday loan, you are normally required to provide basic information first, such as your address, phone number, and date of birth. It is also important that you have an active mail account especially if you’re applying via online. After you have provided the basic stuff, you are then requested to supply vital information that will be used by the lender to validate your identity and come up with an approval decision. Such information would include your license, employment history, income level, and bank account details. After you have provided all these information, the lender will then conduct its own credit check and, in most instances, give you an eligibility decision.

Step 3: Credit Check Process

When applying for a traditional loan from a bank or from mainstream lenders, these financing companies will normally look into your credit rating to determine whether or not you are eligible for their services. If your credit score is evaluated as less-than-perfect, most of the time, you will be denied for a loan. For them, lending money to a borrower who does not have a perfect credit score is simply a risk that they are not willing to take.

Payday loan companies, on the other hand, will still conduct credit checks to evaluate the creditworthiness of an applicant. However, they do not follow the same credit checks that banks and traditional lending institutions utilise in their evaluations. Payday loan lenders utilise an alternative credit check that will not look purely on your credit score to determine your creditworthiness but on other areas and parts of your financial history as well. Simply put, you will still be eligible for a payday loan even if you do not possess a perfect credit score.

Step 4: Eligibility Decision

Once all the requested information you have submitted has been verified and the lender has made a quick credit check, all you have to do is wait for an eligibility decision. Normally, you will receive three types of response which would look like these:
Declined – When you receive this response, it, unfortunately, means that you did not meet the different requirements that the lender is looking for in its loan applicants. Usually, you will receive an official statement from your lender explaining the reasons on why your application was denied in no less than a month after you have submitted your application.

More Information Needed – This response doesn’t mean that your application has been denied but is an indication that the lender will need more information from you before they make a decision. Additional documentations such as payslip may be requested from you along with a set of instructions on how you will relay the information requested.

Eligible – This is the kind of information that you are looking for when you want to take out a payday loan. Once you are eligible, you will then proceed to the final stages of your loan application.

Step 5: Signing of Contract

After receiving an approval decision from your lender, you will now proceed to the final stage of your application which is the signing of the contract. This is a necessary step to make your loan official. Before putting your signature, though, make sure that you have carefully reviewed all the essential details of your agreement such as the amount, interest charges, other fees, and repayment terms. If you like what you are seeing in your contract, you can them make the signature, physically or electronically if you’re applying online.

Once you have completed these 5 essential steps, all you have to do is wait for a message from your lender stating that the money you have availed for has been successfully deposited in your bank account. Although it may appear to be a long process here, that is simply because we are explaining each step thoroughly. The actual practice of theses steps is very quick and you can get the cash you need in no time, It’s that easy!

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.