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 ▼

Safe Loans UK: Safe Loans Instant

The Internet is a place for everything… almost! Apart from ordering clothes and food, borrowing money is also possible. Online loans have made the traditional loan procedure a walk in the park. However, the stakes are undeniably high when you apply for a loan online. Providing sensitive information, such as your personal and financial details, takes place and you really have no idea who you’re sharing it with. You’re also talking about money and no matter how small or large it is, losing it is painful. But the question is – are there safe loans UK online?

The answer is – YES! There are many safe loans instant online. Just make sure that you’re dealing with a legitimate lender. Keeping an eye on any red flags will help you avoid loan predators and scammers.

When borrowing online, you are exposed to two major risks:

  • Paying Unreasonable Price

Known as loan predators, these lenders really provide money; however, the interest rate and other charges are too expensive. Most loan seekers have a hard time repaying the loan and as a result, they are trapped in the vicious cycle of debt.

  • Losing Money

These fake lenders intention is to get your money. Rather than providing a financial assistance, their goal is to trick you by promising things – such as low interest and flexible repayment terms. Often, they ask for an upfront fee as part of the successful application but at the end of the day, you’re not getting any cent. Meanwhile, there are lenders who won’t charge any fee; however, their real intention is to steal your information. They either sell it to third parties or use it as their own.

Identity theft is rampant nowadays. It happens when you unintentionally give personal and financial information to scammers or identity thieves. Online loan applications are one of the easiest ways to acquire sensitive details such as your Social Security Number, birth date, etc. So, it’s best to be careful and spend time knowing the lender first.

Picking The Right Safe Loans Direct Lender

One way to prevent most, if not all problems is to deal with the right lender. Researching about the loan company’s background takes time but it is worth doing. Always consider its positive and negative reviews and try to weigh whether they’re worth taking or not. Asking referral from the people you know is also ideal especially because not everything on the Internet is accurate. Who knows? You might be reading a feedback from con artists, fake reviewers, or employees. Relying on the reviews of someone you trust is more likely to save you from fake lenders.

Contacting the designated departments, such as the Financial Conduct Authority (FCA), will help you find out if the lender is regulated or not. In addition, better sources provide more peace of mind because you’re confident that they are giving appropriate loan providers. Meanwhile, it’s best to avoid these sources:

  • Unsolicited Phone Calls

Such phone calls, especially from blocked numbers, may only imply that they are scammers. Who knows? You might be receiving a call from another country.

  • A Random Email

This sounds almost the same as old-school mails that arrive at your home out-of-nowhere. Chances, these are scammers sending spammed emails. You’re not sure who you’re dealing with so the best thing to do is ignore it.

Safe Loans For Bad Credit

Bad credit loans usually carry a high interest rate, and while this is normal, it’s best to watch out for red flags. Knowing whether the charges are reasonable can help you save money and save yourself from bad lenders. Below are some of the signs that you should avoid:

  • Upfront Fees

Scammers usually ask for these fees so as “to process your application”. Reputable lenders don’t demand fees upfront unless it involves a large amount.

  • Guaranteed Approval

Lenders mean business and as much as possible, they want to avoid threats against their business. Anyone who is promising a guaranteed approval is likely scammers and the first thing you want to do is step away from it.

  • Request For Funds

The main reason why you want to get a loan is to have money, so what’s the point of giving or sending it? While there are legitimate lenders who may ask for money, the repayment is transferred using a check or credit card. Anyone who’s asking to wire it or send it via Western Union or MoneyGram usually ends up as scammers.

  • Unprofessional Sales And Services

While grammar errors cannot be avoided all of the time, a website full of misspelled words and errors could be a sign that you’re dealing with fraudsters. Security errors from your browser also imply the same thing. In addition, unprofessional sales staff that is not knowledgeable and abusive is a clear sign that you’re dealing with the wrong one.

Safe Loans Guarantor

One way to avoid extremely high-interest rate is to find safe loans online. You can avoid being a victim of fraudulent activities by staying away from these lenders:

  • Lenders Who Offer Expensive Loans

High-interest rates will not only lead you to debt spiral; it can also make your financial situation worse.

  • Unlicensed Lenders

While these lenders provide money, they are not licensed to operate in your state. In case you encountered any loan-related problem, you cannot be covered by any legal recourse.

  • Lenders With Illegal Practices

These lenders take advantage of desperate individuals by doing illegal practices like packing insurance into the loan agreement without the borrower’s consent, rolling over the loan more than what the state requires, and breaking any debt-collection laws.

Safe Loans No Guarantor

Now that you know the red flags and other things to avoid, getting safe loans no guarantor is easier. Just make sure to spend enough time knowing the lender first. No matter how desperate you are to have extra cash, consider the rates applied and the practices done by the loan provider. Loans are offered to assist you financially, not make your situation worse.

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.