Help Centre

So, you’re interested in cash loans, but want to learn more about the process? Here are the most commonly asked questions over the years, with detailed responses.
Why should I consider online cash loans?

If you require cash in a short amount of time and don’t have access to savings or other forms of credit, quick cash loans is an option you may consider. They are designed to cover short term financial hiccups, such as unforeseen bills or other emergencies.

How does work? is a broker, not a lender, and works with an exclusive range of lenders in return for a commission fee. We don’t directly offer loans. We allow customers to access our network of UK short term and instalment lenders through our online form. We attempt to match customers with lenders in our network based on the information they provide.

The process is carried out through an online form. You will first provide some basic information and once submitted we will begin the matching process. If successfully matched, you will then be connected with a lender who may offer you a loan. You then have the opportunity to accept or reject any offer made.

Do you use direct payday lenders?

We work with a network of UK lenders. If you are matched, you will be connected with a direct lender.

How much can I borrow?

The lenders in our network are prepared to lend between £100 and £5,000. Please note not all lenders are able to provide up to £5,000.

Are these guaranteed loans?

Unless they are using an unscrupulous marketing tactic, no lender can offer any kind of guaranteed loan, such as guaranteed payday loans.

How long does it take to apply for a loan and receive funds?

The online form takes a few minutes to complete. We will then run your form through our network of lenders in an attempt to match you with a qualified lender. If your application is accepted, you will be forwarded to the lender’s completion page so that you can sign for your loan electronically.
If your application is accepted, you will be forwarded to the lender’s completion page so that you can sign for your loan electronically. You can expect to see the funds in your account in as soon as the next business day.

How will I receive my funds?

Your funds will be transferred electronically into your bank account via electronic transfer.

What are the eligibility criteria?

The eligibility criteria varies by lender. There are, however, standard criteria requirements that you will be expected to meet in order to apply. This includes the fact that you must be aged 18 years or older, live in the UK, have an active bank account into which you can receive direct debits and have a regular source of income.

Why do you require my personal information?

We require your personal information in order to present your application to our lenders so they can assist you by providing you a loan. Please refer to our Privacy Policy for more details about how we use your personal information.

Will you check my credit score? does not run any credit checks; however, we are a matching service and the lender we match you with may do so as part of the application process.

What is your Representative APR?

Our Representative 669.35% APR (variable). A Representative APR takes into account all charges associated with the loan, in addition to the interest rate.

How do I make repayments?

Your repayment schedule and amount will be outlined in the loan agreement, a copy of which you will receive before you sign the contract. Please contact your lender directly for further information.

What should I do if I have problems repaying?

If you have any issues repaying your loan, please contact your lender directly. They will be able to discuss repayment options with you. If you have more serious concerns about managing your money, you may contact Money Advice Service ( Money Advice Service offers free advice to those who need to manage their money more effectively.

Rates from 43.1% APR to 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £1,200 borrowed for up to 75 days. Total amount repayable is: £1506. Interest charged is 0.34% per day, amounting to £306, annual interest rate of 124% (variable). Representative APR: 49.7% (variable).
WARNING: Late repayment can cause you serious money problems. For help, go to is a broker, not a lender, and does not make credit decisions. We may receive a commission from the lender.