Representative 71.3% APR | Representative example: Amount of credit £1,800 for 24 months. Interest rate: 71.3% pa (fixed). 24 scheduled monthly payments of £142.65. Total amount payable: £3,423.67. Representative 99.9% APR. Rates from 35.9% APR - 99.9% APR fixed.
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Testimonials are fictitious, and are for representative purposes only.
Personal loans from £100 - £5,000 between 3 and 60 months. Our comparison rates, which include possible lender fees, have a representative APR of 305.9%. All associated fees and rates are based on your personal financial circumstances.
* Our comparison rate is based on a £1,800 Personal Loan for a 2 year term. This rate is applicable for unsecured personal loans only.
WARNING: Our comparison rate only applies to the example or examples provided. Alternative loan amounts and terms will produce different comparison rates. Additional costs such as redraw fees or early repayment fees are not included in our comparison rate, but could influence the overall cost of your loan.
"Very impressed with the service i received - application was quick and easy to understand, I was approved the same day and had the money in no time..."
Howard, Manchester
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We want our customers to feel satisfied when applying for a short term loan through us.
We provide transparent and fair loans with no surprises - that's why our service is 100% free.
With one simple application, you can be matched with a loan quote in seconds. We work with reputable lenders to give you the best chance of getting the loan you deserve
Led by a team with a huge amount of experience in lending, we really believe that people should be able to access loans that are affordable, despite their circumstances, and this belief is at the heart of everything we do.
With one simple application, you can be matched with a loan quote in seconds. We work with reputable lenders to give you the best chance of getting the loan you deserve
Despite making every effort to budget for your settlement, most lenders understand that problems can occur. Most lenders have the facilities in place to set up restructuring plans to help you, and whilst this may incur additional charges or interest, it is much better than ignoring the requests. Whilst every lender has different policies, every month that you fail to settle may result in the true cost of your solution growing hugely due to the additional fees involved. A restructuring plan means that these fees stop, and bar the interest, you only owe the outstanding balance.
You must contact your lender directly at the earliest sign of financial difficulties. Ongoing complications means that not only do you incur more charges and interest, but the lenders have no option to pass your details on to collection agencies, which can be even more stressful.
If your situation is passed to a debt collection agency, providers can send the details to a credit reference organisation. This means that a note is put on your credit report of the problem, so that future creditors get a better understanding of your ability to settle credit agreements. All lenders have different policies regarding credit reports, so please read the terms and conditions of your chosen provider carefully. Such notes can stay on your credit file for up to 6 years, so please make every effort to meet your repayment before accepting your proposal.
With some lenders, by meeting your repayment on time, a positive note will reflect on your credit file - this means that you have a better chance of obtaining future credit.
iCashAdvance.co.uk do NOT recommend renewing your agreement, as it is intended for one-off emergencies. If you feel you have budgeted your finances sufficiently to extend, then you must contact your provider as soon as possible. Please consider though that this may incur an additional charge - please check with your lender.
We work hard to ensure we don't partner with providers that have automatic renewal policies in place, as we feel this is not appropriate. Once we have directed you to a lender, we urge you to check the terms and conditions carefully, to ensure that this is not in place. If it is, you can request the cancellation of the renewal, but you must remember to do so. Failure will result in a further agreement and associated interest and charges, that you don't really need.
We only work with a select number of lenders and brokers who are carefully vetted. Most of the lenders on our panel are generally a member of a trade body or association and asked to comply with an ethical code of practice that subscribes to responsible lending.
About short term loans
At iCashAdvance.co.uk, we confirm that we will not apply any of the following:
Do I qualify?
To qualify for a payday loan, you must be:
What is a short term loan?
Short term loan is a broad term used for lending solutions generally paid back over 6 months or less. You may also hear this described as a payday loan or instalment loan. The main purpose for this solution is to provide a smaller amount of money over a shorter period of time. Whilst longer term borrowing in the current financial climate is very hard to come by without a guarantor (see our guarantor loan page), borrowing over less time should only be used if you are sure you have money left over each pay day, and you can therefore afford the settlement figure.
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