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
Apply Now

Show More ▼

Loan amount
100 - 2,500
Loan term
6 - 14 Months
Apply Now

Show More ▼

Personal Loans Bad Credit

Having a bad credit is one of the worse things you can have in the world. The myth suggests that you will receive nothing but rejection when creating a new line of credit; turns out, it is true most of the time. The sad part is that it happens, no matter how careful you are with your repayments. Luckily, being rejected does not happen all the time. There are still lenders who are willing to provide risky decisions by accepting bad credit borrowers. For them, the credit score is not the only factor that should be looked at – and a personal loans direct lender is one of them. This means that you can still get personal loans as long as you can meet their other requirements.

Some of the basic criteria are the age; you need to be at least 18 years old before you apply. A stable source of income is also a prerequisite and this means having a regular job. While some lenders accept people on benefits, freelancer, and the like, working as a regular employee makes a significant difference in your application. Your citizenship and/or residency also affects the lender’s decision, thus you need to be a UK resident to be qualified.

Can You Get Safe Personal Loans No Guarantor

Basically, you can get a personal loan by visiting a bank or a lending facility. But with the development of the technology, you can get it online. This provides a more convenient way of borrowing money since there’s no need to go out and leave your home. Even with your pajamas on, you can impress the lender as long as you have satisfied their requirements. Unfortunately, despite its accessibility, most borrowers are afraid to get personal loans no guarantor online.

It’s no secret how the online community is filled with bad guys doing fraudulent activities. There are many scammers pretending to be direct lenders but instead of providing financial help, they give another financial dilemma. They ask for fees even before the loan has been approved. They promise to send money afterward however, the borrower receives nothing. Meanwhile, there are those who share or sell personal and financial information of borrowers. As a result, they rarely trust online transactions.

These things can be avoided; however, it takes time. Spending enough time and patience searching for different appropriate lenders can save you. There are many licensed loan providers who are willing to help you without the intention of monkey business. That being said, you can still get safe personal loans no guarantor online.

Looking For Trusted Personal Loans Direct Lender

If you want to find the perfect lender, you should consider these tips:

  • Shop around first and don’t just settle on the first lender you see. Each lender has their own terms and conditions, rates, and repayment terms and the first thing you want is to find the one who will satisfy your preferences.
  • Checking a number of feedbacks from previous clients will help you learn more about the company. Read their review to know if they have a good customer service, low-interest rate, etc.
  • Consider their terms and conditions all the time. Ask for a full print of their policies and understand each and every section. This helps you avoid paying for hidden charges. Do not be afraid to clarify concerns with the lender.
  • No matter how tempting their rates are, take only what you can afford. Find out the amount you need and how much you can handle. Even if your income is enough to cover the debt, find out if it’s really worth it. Going beyond your capability can put you into more trouble.
  • Consider your repayment option. While some loan providers still accept a paycheck, most lenders will require automatic debit/withdrawal transactions. Granting the lender an access sounds convenient because you don’t have to worry about the repayments anymore but you have to be sure that they are trustworthy.

How To Get Personal Loans UK and Personal Loans Instant

Personal loans are useful when you need money for personal things, thus the name. You are not required to state your purpose and most lenders will not ask the reason behind the application. The loan can be used to consolidate debts, cover utility bills and groceries, repair a car, improve a home, or travel. It doesn’t require collateral or guarantor rather, it needs your signature. You can start your application with the help of comparison sites. Otherwise, you may fill up an application form found on their website.

Aside from its convenience, you can get personal loans instantly. This means that you don’t have to wait for days or even weeks; once your application is approved, you can have the money on the same day or on the next business day.

To start the application, you have to complete a form asking for personal and financial details. Don’t worry; the information is kept confidential and protected. After submission, a verification call will take place to double check the data you’ve entered. The lender will release a decision and I you’re granted, the money will be sent to your bank account.

Do Personal Loans Need Guarantor

While most personal loans do not look for a cosigner, you can increase your chance of getting approved with the help of a guarantor. The second person will cosign the contract and agree to repay the debt in case you defaulted. It is a risky obligation unless you’re committed to repaying the loan.

Both of you need to meet the lender’s criteria; the only difference is that the guarantor’s prerequisites are more complex. While you can get the lender’s approval even with a bad credit, the cosigner needs to have an excellent remark. He also needs to prove his capability to settle the loan through a stable source of income and/or a property. Lenders usually favor homeowners because they can hold an asset as a security against the loan.

Personal loans are helpful and flexible but before sending the contract back, be sure to choose the one with the lowest interest rate. Moreso, find the one who offers flexible repayment terms and better reviews.

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.