What Our Customers Would Like To Know

We try to not use confusing jargon, but sometimes it can get a little confusing

How long does it take to find a solution?

This really depends on which provider in the list of possibilities accepts you. As a general rule you can expect to be presented with a lender within 2 minutes, but please bear with us if it takes slightly longer; this is normal.

Explain APRs

APR stands for Annual Percentage Rate. An APR is used to calculate the amount you will repay in interest rate and fees associated with your solution. Historically, loans were taken out over several years – hence the measurement on an annual basis. Nowadays, with many shorter term options available, the APR may seem high, because these are taken out between 30 days, and 6 months, and not a year or more.

Under guidelines set out in the Consumer Credit Regulations 2010 (Total Charge for Credit), and the Consumer Credit Act 1974, businesses advertising loans are obliged to show an APR guideline, regardless of the term. Whilst this helps the customer compare products, the length of the loan should be considered at the same time to give a true comparison

What is a representative APRs?

The representative APR that you see on sites are usually either the most common APR offered to customers, or the average APR. Each individual has different financial circumstances, and therefore risk factors, so the actual APR you end up with on your loan may vary from the representative example – for better or for worse. The representative APR figure therefore should only be used as a guideline.

How much do you charge for your service?

As we are a completely transparent organisation, we make it clear that in order to cover our running costs, we receive a small fee from our lenders upon referral and we may charge a small fee upon successful verification of your application to us. This in no way increases the cost of your solution, and is never transferred to you. In situations where you are applying for a payday loan, but are rejected by our extensive panel of lenders, we may redirect you to a fee charging loan brokering website. The purpose of this fee is to cover the additional costs of finding an alternative solution. You are under no obligation to finalise your application, so please check the terms very carefully.

Are you a direct lender?

No, we are a brokering company that uses state of the art software and systems to not only match you to a suitable lender, but also to ensure that a product is the right solution for you.

Wouldn’t I be better off speaking directly to a lender?

We have access to over 50 providers, and our systems allow us to ensure you get the right deal in no more than 2 minutes. Once you fill in your details at iCashAdvance.co.uk, we do the hard work for you, and you are under no obligation to accept your proposal. Remember, we charge you nothing for our service, so you really have nothing to lose, and everything to gain by enquiring now!

Who do I contact if I have a problem with my loan?

Once you have accepted a proposal from one of our partners, and are redirected, you no longer deal with us. For any problems directly relating to your solution, please contact your lender directly. If you have a query or complaint about our website, and the service we provide you, please write to us at enquiries@icashadvance.co.uk, and we will endeavour to respond within 48 hours.

How much can new customers borrow? Up to £5000 No fees, ever!
What are the repayment terms? 3 to 60 Months No paperwork
Approximate monthly cost of borrowing £100 £13 No obligation quote
Percentage of people offered financial help 92% Instant offer
Can I repay in installments Yes Flexible repayment
Do we credit check?* No No credit footprint
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(Checking your rate won’t affect your credit score)

* Once approved, your cash may be sent within 15 minutes. The time that it takes for the cash to be received in your account will depend on your bank’s policies and procedures.

Get your rate in just 2 minutes — it won't affect your credit score!

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¹ If your loan is approved, funds may be cleared and in your account within the hour if you apply before 3pm, Monday to Friday. If you apply after 3pm, then this will be the next working day

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

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.

We do not charge borrowers a fee for the use of the brokerage services, but we receive a commission from lenders or other brokers where borrowers enter into a consumer credit agreement with lenders and brokers following an introduction through this website. As a broker we process the information you provide us and pass this onto our trusted third party lenders and brokers to help you apply for a loan. For more information on how we handle your data see our Privacy Policy

We are a licensed credit brokerage business authorised by the Financial Conduct Authority, which effects introductions between borrowers and lenders as well as other brokers, for the purposes of entering into loan agreements. The operator of this website is not an agent or representative of consumers or any lender and does not endorse the services offered by specific lenders.