Cash Kitty short term loans review

Borrow up to £5,000 from this online service when you need a quick cash injection.

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Cash Kitty

Warning: Late repayment can cause you serious money problems. For help, go to

Please note: High-cost short-term credit is unsuitable for sustained borrowing over long periods and would be expensive as a means of longer-term borrowing.

What is Cash Kitty?

Cash Kitty is a broker, not a direct lender. It does not lend money itself but instead introduces you to a provider willing to lend to you. It uses details from your application to search its panel of lenders and find the best short term loan to suit your situation.

While using a broker gives you quick access to quotes from a range of lenders, always check who you are borrowing from and their terms and conditions. It’s also important to understand that there may be cheaper options outside of this panel of lenders.

Cash Kitty receives commission from the lender and will not charge you a fee for its service. However, if it can’t match you with a loan provider, it may forward your application to another broker. You will need to check if this broker does charge a fee.

Key features of a Cash Kitty loan:

Product NameCash Kitty Short Term Loan
Available Amounts£100 to £5,000
Representative APR770%
New customer maximum£5,000
Loan terms1 month to 24 months
Maximum APR1,721%
Soft search eligibility checkcross
Parent companyWilliam Ellis Sinclair
FCA registration number618190

How does a Cash Kitty short term loan work?

You can apply for a loan on the Cash Kitty website 24/7 using the simple application form. Choose how much you would like to borrow and for how long, and fill out some basic details about you and your finances.

  • Cash Kitty will search its panel of lenders to find you the best deal for your circumstances.
  • You will then be transferred to the lender’s own website to complete the process. The lender may ask you some additional questions.
  • You will then be asked to sign a loan agreement. Make sure you read the terms and conditions carefully before you commit to a loan.
  • Cash Kitty says most of its lenders can deposit money into your account within minutes, even over the weekend.

How do I repay my loan?

Many short term loan companies use a “Continuous Payment Authority” (CPA) to collect loan repayments. Your repayment is usually taken in full from your bank account on your next payday. It will be taken directly by the lender that you chose to take your loan out with. In some cases, lenders accept repayments via direct debit or by manual bank transfer.

Is Cash Kitty safe?

Cash Kitty is a registered loan broker and is authorised and regulated by the Financial Conduct Authority.

However, short-term borrowing can lead to financial stress, especially if you fail to make your repayments, and should only be considered as a last resort.

How much does a Cash Kitty loan cost?

As Cash Kitty is a loan broker and not a lender, it can be hard to determine the likely cost of your loan upfront. Cash Kitty tries to find you the best deal from a panel of lenders, and the actual cost of your loan, therefore, depends on the rate and terms offered by the specific lender.

Cash Kitty claims that the loans they offer have a monthly cost of £10-£30, but this may not be completely accurate. Cash Kitty does not charge any fees, but you may be charged additional fees depending on the lender you actually get the loan through.

What are the eligibility requirements?

You should only accept a short term loan from one of Cash Kitty’s lenders if you are certain you can comfortably meet the repayments. You must also:

ResidencyUK resident
Minimum age18
Additional eligibility notesYou must have an income.
You must have a valid bank account.
You must have a valid address.

What to watch out for

Fast loans and free service from a broker can come with some pitfalls. You should consider these before you apply for a loan through Cash Kitty:

  • You don’t know who will see your application. Cash Kitty doesn’t list which lenders are in its network, so you can’t research them before submitting your information.
  • Not the lender. While Cash Kitty has a user-friendly website, it’s not the end destination. Once Cash Kitty matches you with a provider, that is the end of its involvement with you. Make sure you are happy with the repayment process of the lender you are ultimately borrowing money from.
  • Uncertain terms. You won’t know the exact terms and conditions of your loan until you receive an offer. As they can vary greatly from lender to lender, you will need to spend some time understanding what your specific deal is before you agree.
  • Multiple credit checks. While applying to a panel of lenders in one go can save you time, it may also mean that multiple credit checks are performed. This could have an adverse effect on your credit rating.
  • High interest. Short term loans have notoriously high interest rates. Other forms of credit may take longer to process but could end up costing a lot less overall. Make sure you investigate all your options before applying for a short term loan.

Customer reviews

Cash Kitty has a “bad” rating of 1.4 out of 5 on Trustpilot, based on over 40 reviews (updated February 2024). Some customers mentioned the negative impact of multiple credit searches being run, as well as receiving spammy text messages from the company.

Customer support information

If you have any queries or need support then you can give Cash Kitty a call on 01740 582 046.

Our verdict

Short term loans offer a quick solution when you get into difficulty with your finances, but they are a very expensive method of borrowing. They should therefore only be considered as a last resort. Short term loans are unlikely to solve your money problems in the long term and are not a good idea for borrowing over longer periods or for sustained borrowing.

Before you apply for a short term loan, make sure you have considered other options carefully. Is the expenditure that you’re planning absolutely essential? If you can put off a purchase, you could save yourself money in the long run. If you are struggling to pay a bill, try talking to your electricity, gas, phone or water provider to see if you can work out a payment plan. Read more about alternatives to payday loans at MoneyHelper.

Frequently asked questions

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We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

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