CASH4UNOW short-term loans

CASH4UNOW offers flexible loans of £150 to £1,000 to be repaid over 4 months to 6 months in line with your paydays. Its loans are designed as an alternative to traditional "payday" loans which require you to repay the money in one lump sum.

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CASH4UNOW

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

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.

Launched in 2011, CASH4UNOW offers a flexible approach to short-term lending, with loans of £150 to £250 (or up to £1,000 for returning customers) to be repaid over 4 months to 6 months.

Compare CASH4UNOW loans against services from a range of lenders

Table: promoted deals, sorted by total payable

As well as comparing short-term loans with other types of credit, before you apply for a loan, it’s a good idea to shop around and compare a range of lenders. You can use the table below to get an idea of how much the loan that you have in mind might cost.

How much do you need to borrow?


How long do you need to borrow for?


Name Product Available amounts Monthly repayment Total payable
Lending Stream Instalment Loan
£50 to £1,500
Representative example: Borrow £200 for 6 months at a rate of 292% p.a. (fixed). Representative 1,333% APR and total payable £386.61 in 6 monthly payments of £64.44.
Savvy.co.uk Personal Loan
£300 to £3,000
Representative example: Borrow £1,000 for 12 months at a rate of 152.33% p.a. (fixed). Representative 352.7% APR and total payable £1,999.92 in 12 monthly payments of £166.66.
The Money Platform Short Term Loan
£250 to £1,000
Representative example: Borrow £500 for 6 weeks at a rate of 255.5% p.a. Representative APR 839.20% and total payable: £647 in 1 payment.
QuidMarket Short Term Loan
£300 to £1,500
Representative example: Borrow £300 for 3 months at a rate of 292% p.a. (fixed). Representative APR 1,301% and total payable: £454.37 in 3 instalments of £151.46.
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Compare up to 4 providers

Please note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.

We compare payday/short-term loans from

Lending Stream Instalment Loan
Savvy.co.uk Personal Loan
The Money Platform Short Term Loan
QuidMarket Short Term Loan

Key features of a CASH4UNOW short-term loan:

Product NameCASH4UNOW Short Term Loan
Available amounts£150 to £1,000
New customer maximum£250
Loan terms4 months to 6 months
Soft search eligibility check
Employer contacted during application
Instant decision in most cases
Funding speedCASH4UNOW aims to fund any successful application the same day (Monday to Friday only).
Repayment period optionsMonthly
Default repayment methodContinuous payment authority
Additional repayment methodsOnline payment
Phone payment
Repay early at any point
FCA registration number672320
More Info

How does it work?

If you’ve decided that a CASH4UNOW loan is right for you, here’s how you get one:

  1. Complete the simple online application form which will ask for your personal and employment details. If you need help filling out your form, you can call a CASH4UNOW advisor who will talk you through it.
  2. You will receive an online “in principle” decision. CASH4UNOW will then carry out an employment verification check and affordability assessment.
  3. If approved, the money will be paid into your bank account via faster payments. Your money will usually be paid into your account by 6pm on the same day.

When you apply for an instalment loan, CASH4UNOW will build a repayment schedule around your paydays. Spreading your payments over several months may make paying back your loan more manageable, but bear in mind that you will pay more in interest overall.

How do I pay back my loan?

Like similar short-term loan providers, CASH4UNOW uses a Continuous Payment Authority (CPA) to collect the repayments from your bank account on your chosen dates.

What is a Continuous Payment Authority (CPA)?

A CPA is a recurring payment in which you give a company permission to withdraw money from your account whenever it wishes, and to take payments of different amounts without consulting you. Most payday loan companies will use CPA’s to collect your repayments, however you can cancel this at any point by either consulting with your provider or your bank.

What are the eligibility requirements?

You should only apply for a CASH4UNOW loan if you are certain you can meet the repayment terms. You must also:

ResidencyUK resident
Minimum age18
Min. income£600 a month
Additional eligibility notesYou must be aged between 18 and 65.
You must have a UK bank account with a valid debit card associated with it.
You must receive your salary into your bank account on a regular basis.
You must have a valid contact number and active email address.

Early repayment options

Repay early at any point
Repaying early can reduce overall interest
Phone number0113 887 3434
More Info

Did you know?

In 2015 the Financial Conduct authority (FCA) capped interest and fees on all high-cost short-term credit loans at 0.8% per day.

They additionally capped all default charges at £15 and the total cost (interest, fees) of loans at 100% of the original sum. This means you’ll never have to pay more than double the amount borrowed.

Is high-cost, short-term borrowing a good idea?

Payday loans, and high-cost, short-term credit from lenders like CASH4UNOW generally are a very expensive way to borrow, and should only be considered as a last resort. They may not solve your money problems, and are not a good idea for borrowing over longer periods, or sustained borrowing. Before you apply for a payday or short-term loan, make sure you’ve considered other options, and ask yourself if the expenditure that you’re planning is absolutely essential? Read more about alternatives to payday loans at moneyadviceservice.org.uk.

Frequenty asked questions

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.

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