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
Payday Loan Lenders

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.

Payday Loan Lenders

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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Essential Facts about Online Payday Loan Lenders

With online payday loan lenders, you can borrow money fast in the convenience of your own home. All you need is a personal computer or mobile phone, anytime, anywhere, as long as there is internet access. You don’t want to go to a bank and apply for a loan. It’s a long process that can several days for you to get the cash. Especially when all you need is a few thousand dollars for car repairs. When the need for money is urgent, you can’t rely on making salary advances. This is because it just takes too long for them to get approved. In such circumstances, you need a small amount of money to make a temporary expense. Online payday loan lenders are one of the options worth considering.

Online Payday Loan Lenders

Most online Payday loan lenders offer short-term loans that they normally want to be paid back in full in your next salary. For this reason, they are not typically offered to those who are unemployed. If you currently don’t have a job and an emergency situation demands additional funds, other alternatives like credit card advances and guarantor loans are worth exploring.

Online payday loan lenders will assess a loan application based primarily on the borrower’s ability to repay the full amount and the interest rates in the agreed period of time. The applicant’s income, address, age, credit history and a few other factors, will be scrutinised and carefully weighed in making a decision on whether or not he is worthy to be granted credit. Because the loan lenders finance is unsecured (there is no collateral involved) there is no insurance whatsoever in the part of the lender. To compensate for this level of risk, the lender will charge these loans with a very high-interest rate.

Applying for Online Payday Loans

The good thing about these loan lenders is that they are relatively easy to avail and all you need is to fill up an application form that takes a few minutes to accomplish online. After submitting your form, you don’t have to wait long for a response from your lender because normally, it will only take a minute or two for an online lender to find out whether or not you are eligible for a loan based on the information that you have presented. If you are approved by loan lenders, the money will be deposited to your bank account instantly, sometimes on the same day that you made your application, making it an ideal option in addressing an urgent financial need.

The Borrowers

Statistically speaking, the majority of the borrowers are single mothers who are in their 20’s and 30’s, undergraduate, and have an average or below average income level. Many of them also have poor credit scores. This is because payday loan lenders do not usually rely on credit history in their evaluation process and will prioritise an applicant’s salary and income level instead.

The borrower’s paycheck is the lender’s ultimate insurance – the perfect form of collateral for a short-term loan because it guarantees repayment once the borrower receives his salary. Lenders are also smart enough to know that the best due date for a short-term loan is on a borrower’s payday because this is obviously the time where he has the most money.


Depending on the loan lenders, the Annual Percentage Rate (APR) of these loans can be a moderate 261% or a hefty 1304%. They are indeed costly and can become even more expensive if you miss out on your payments and get charged with additional interest rates for violating agreed terms and conditions of repayment as a result. However, if you utilise the credit accordingly and make a full commitment on your payments, the costs are quite reasonable considering the level of risk that the lender has to bear and the resources that he needs to spend in making due diligence.

Important Reminders

Finally, keep in mind that there have been numerous cases in the past involving payday loan lenders being utilised by people with malicious content to take advantage of people desperately in need of instant cash. While there have been relevant changes made and tougher regulations imposed to better protect borrowers since then, the risk is still there and will always be there as long as credit exists in this world.

To avoid falling prey to such a scheme, know the ways of protecting yourself. Always ask for a license so you will know if you are dealing with a legit lender or a scam. Also be wary of hidden fees and carefully go through the terms and conditions before signing a deal. Search the web for authentic reviews and testimonials made by costumers and customer groups so you will know the lender’s track record.

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.