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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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.

Compare short term loans

How much do you need to borrow?

How long do you need to borrow for?

Name Product Available Amounts Monthly repayment Total payable Link
QuidMarket Short Term Loan
£300 to £1,500
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View details
Representative example: Borrow £300 for 3 months at a rate of 292% p.a. (fixed). Representative APR 1302.3% and total payable £454.38 in 3 instalments of £151.46.
The Money Platform Short Term Loan
£100 to £1,000
Check eligibility
View details
Representative Example: Borrow £500 for 6 weeks with repayment method of One Payment. Total amount payable: £647. Representative 839.20% APR, interest rate 255.5% per annum.
Moneyboat Short Term Loan
£200 to £1,500
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View details
Representative example: Borrow £400 for 4 months at a rate of 255.5% p.a. (fixed). Representative APR 939.5% and total payable: £597.48 in 4 payments of £149.37.
Lending Stream Instalment Loan
£50 to £1,500
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View details
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.
Important information:
You should always refer to your loan agreement for exact repayment amounts, as they may vary from our results.

Launched in 2011, CASH4UNOW offers a flexible approach to short term lending, with loans of £150 to £600 (or up to £1,000 for returning customers) to be repaid over 4 months to 6 months.

We compare payday/short term loans from

Drafty Line of Credit
QuidMarket Short Term Loan
The Money Platform Short Term Loan
Moneyboat Short Term Loan
Lending Stream Instalment Loan

Key features of a CASH4UNOW short term loan:

Product NameCASH4UNOW Short Term Loan
Available Amounts£150 to £1,000
Representative APR1,307%
New customer maximum£600
Loan terms4 months to 6 months
Soft search eligibility checkcross
Employer contacted during applicationtick
Instant decision in most casestick
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 pointtick
FCA registration number672320

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 asks for your personal and employment details. If you need help filling out your form, call a CASH4UNOW advisor, who will talk you through it.
  2. You will receive an online “in principle” decision. CASH4UNOW then carries out an employment verification check and affordability assessment.
  3. If approved, the money is paid into your bank account via faster payments. CASH4UNOW aims to have the money in your account on the same working day.

When you apply for an instalment loan, CASH4UNOW builds a repayment schedule around your paydays. Spreading your payments over several months may make paying back your loan more manageable, but bear in mind 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 use CPAs to collect your repayments. However, you can cancel this at any point by consulting with your bank or provider.

What are the eligibility requirements?

You should only apply for a CASH4UNOW loan if 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 75.
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.
You must not be bankrupt, in an individual voluntary arrangement (IVA), debt management plan (DMP), debt relief order (DRO) or the Scottish equivalents (trust deed, sequestration).

Early repayment options

Repay early at any pointtick
Repaying early can reduce overall interesttick
Phone number0113 887 3434

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.

Customer reviews

CASH4UNOW has a “great” rating on review platform trustpilot with 4 out of 5, based on over 1,400 reviews (updated July 2023). Customers praised the helpful customer service team as well as the simple and easy application process.

Customer support information

If you need support or have any questions, then you can give CASH4UNOW a call on 0113 887 3434.

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.

Frequenty asked questions

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  • Loans like CASH4UNOW

    CASH4UNOW isn’t the only provider of payday and short-term loans around. Check out our list of popular sites that offer similar products and services to CASH4UNOW.

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