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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
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Quick Cash Loans

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We will find the best plan to suit your individual needs no matter what amount you’re looking for or for how long.

Quick Cash Loans

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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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Quick Cash Loans: on the Trend and Reasons why People Avail Them

The number of availing quick cash loans is quite increasing from a period of time, considering unsecured loans to be the type of loan that is most consumed by a lot of money borrowers in the UK. In fact, out of the total count of the borrowers in the whole country, the number of people who avail quick cash loans with fast approval are 4 times as many people than the other kind of offered loans.

“Payday loans in the United Kingdom are a rapidly growing industry, with four times as many people using such loans in 2009 compared to 2006. In 2009, 1.2 million people took out 4.1 million loans with a total lending amount of £1.2 billion. In 2012, it is estimated that the market was worth £2.2 billion and that the average loan size was around £270.” — Source: Wikipedia.org
Based on the statement above, quick cash loans are widely used by a lot of British compare to other loans that are offered by financial firms and corporations. Considering that 70% out of the total number of loans are quick cash loans, it is the most consumed loan.

The Study

There are reasons why more people avail payday loans than other types of loans. Researchers conducted a survey in order to find out the usual circumstances of people in order to determine why quick cash loans are consumed widely. The statements conducted in the next paragraph are the results of the said research.

Considering its easy access, people choose quick cash loans because they prefer to have less hassle in borrowing funds and don’t want to put much effort. So instead of availing other loans that demand a lot of documentations, they prefer availing payday loans.
Mostly, people don’t need a large sum of money in order to cover up their expenses. Most people often needed cash in order to cover up usual expenses such as electric bills, phone bills and emergency funds, so only a right amount will do in order to meet the ends.

Almost all of the offered quick cash loans have a range of amount that is too much than what borrower’s want, even if the amount is in its least form it is still too much of what the loaners need, so they don’t get to avail it. Considering quick cash loans offer limited cash, you can borrow money for as low as £100, people who avail the said loan find this suitable for them. So this is one of the reasons why people tend to avail unsecured loans rather than any other loans.

Great for the Unexpected

Some needed extra funds for sudden expenses like emergencies. In those cases, people need to get it covered as soon as possible. Seeing that other offered loans take the time to release, this is not good for the said situation. Payday loans are quite different from the others, considering its low criteria and less demand for requirements, it takes less time to evaluate the borrower’s ability to repay the loan. Hence, the release of borrowed cash is faster and can be used immediately by the borrower as if it were delivered directly to their doorstep the same day. So this is another reason why people patronise payday loans more than other kinds of loans.

How people will pay their debts is also an issue. Most payday loan consumers that were interviewed said that the process of paying their debt needs to be convenient and in their favour so that it wouldn’t put them into too much pressure and hassle. As for how lenders offer different procedures of repaying their loan, people can choose how they want to repay what they borrowed. They can choose whatever way that suits them, whether they want to deduct a few pounds in each paycheck for a year or deduct the whole amount in the second paycheck. The options for repaying is wide and can be negotiated by the lender and the borrower. Despite the fact that unsecured loans have

How Quick Cash Loans Can Help You

Despite the fact that unsecured loans have high interest rates and other fees, consumers didn’t mind about it and rather considered the pros of the said loan. So consumers find this another reason why they chose to get unsecured loans among the other types of loans. This is why finding the very best lender is an important task.

People who are also unemployed can avail the said loan and can be repaid after they find a job. Other loan services don’t consider this type of situation, for they believe that the money that they will lend will never be repaid. So for those people who need an initial fund to cover up their needs while they are unemployed find payday loans useful and a big help for them.

Because of a wide range of consumers that keeps on growing, No wonder the industry of quick cash loans is corresponding to the growth. The common evidence of the growing financial business is how the companies advertise their service throughout the community, whether by the Internet, TV or radio, this is one of the signs that the said loan is on the trend. And by eliminating the brokers, and more companies began to do direct financing, the quality of quick cash loans rises.

This type of business will help not just who are in times of need but also the growth of the economy of the country. The future of the financial industry possibly will enhance rapid growth influence by the said unsecured loans.

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.