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Fast, flexible loans from £100 - £5000

Simply, select your loan amount to begin

Life can catch you off guard.
That's why we offer quick¹ cash online with no fees - so no surprises.

Representative 1261% APR

Representative APR 1261%: Representative Example: Amount of credit £200 borrowed for 28 days. Interest: £40.20. Interest rate: 262% per annum (fixed). Representative APR: 1261%. Total amount payable: £240.20.

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

We are an FCA licenced Credit Broker and not a lender!

3 simple steps to applying

1

Complete our 2 minute form

Fill out our quick form online¹. This should take no more than 2 minutes.

2

We Will Match You With A Lender

You will get your decision in around 30 seconds.

3

Review Your Loan Offer

Once you receive your quote, complete the final step to transfer money

What can a cash loan do for you?

All credit histories

We work with lenders who specialise in quick loans to suit all credit types

Absolutely no fees, ever

Our loan broker service is available 24/7, and is 100% FREE – no fees ever

No obligation loan quote

You are under no obligation to commit to your loan offer

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How we compare

How much can new customers borrow?
Up to £5000
No fees, ever!
What are the repayment terms?
1 to 36 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

* 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.

We want our customers to feel satisfied when applying for a short term loan through us.

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

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Join over 400,000 customers we've helped since 2012

We want our customers to feel satisfied when applying for a short term loan through us.

No hidden fees

We provide transparent and fair loans with no surprises - that's why our service is 100% free.

Smarter borrowing

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

You're in safe hands

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.




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Fast, flexible loans from £100 - £5000

Simply, select your loan amount to begin

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 Guarantor Loans

Guarantor loans require a third party; perhaps a friend or family member, to agree to be bound by the terms and schedule, should you become unable to meet your settlement agreement. They are particularly useful for those people who have a poor credit rating, but have a good, stable income. The agreement is still taken out in your name, but the third party is listed as having an interest. This person is usually required to have a very good credit rating. It is a way of providing assurances to the provider that the full amount will be repaid.

The increase in computer technology that scores your credit at the point of an application has risen in recent years, and has meant that many of us struggle to obtain finance.

Guarantor loans somewhat get back to how the lending world used to work – based on real decisions by real people to help ensure the repayment.

If you are struggling to settle, you will generally get reminded; usually by text and email. Every effort will be made to help you, but if this is not possible for any reason, then the monthly figure will be taken from your guarantor. In the unlikely event that neither you nor your guarantor can meet the repayment, then details may still be referred to a debt collection agency, as with any other lending product. Please choose your guarantor and check their financial stability carefully in order to prevent this!

What is a guarantor loan?

This is a way of borrowing money whereby a friend or family member agrees to settle the agreement if you cannot. The guarantor needs to be a homeowner who has had no trouble affording their bills, but don’t worry, their home won’t be at risk.

It is a scenario largely based on the old fashioned way of lending money, and safeguards all concerned against financial adversity. This type of product is especially useful when you are working hard to rebuild your credit rating, but are not yet at a level where lenders feel you are able to repay. If you are in stable employment, and your guarantor agrees that you will have the ability to meet your repayment, they will have their name listed on the agreement, and will be responsible for the monthly commitment if you have difficulties.

How does it work?

A guarantor loan works in much the same way as an ordinary lending solution. The only real difference is that extra checks need to be made for your guarantor, and if everything is OK, they need to sign your documents as well.

When you apply with iCashAdvance.co.uk, you get free use of our specialist matching software to find you an appropriate solution. Depending on the answers you provide us, we will suggest different lending solutions for you to choose. Payday loans, for example, aren’t suitable for those of us who have recently taken one out already, so if this is the case, you will not be presented with a payday loan as an option. If you have a less than perfect credit history, and may struggle to obtain a longer term product, then this could suit you.

Fees and Charges

At iCashAdvance.co.uk, we do not charge you anything for using our specialist systems. Should you be rejected for a payday loan, then you may be redirected to a fee charging broker. This up-front fee covers the administration costs of the paperwork, as a lot more manual work has to go in to underwriting a different lending product.

Actual APR rates vary from company to company, but our representative APR is 49.9%.

Responsible Borrowing

Not only do we have a responsibility to you to ensure that you aren't inappropriately lent to, but you have the must consider the following before applying for a loan:

  • Please make every effort to plan your finances carefully, so that you know you can repay your loan
  • Failure to meet your repayments will mean your guarantor is required to repay the money
  • Continuous ignoring of payment chasing will result in debt collection action if your guarantor does not make the repayment

Implications of Late/ Non-Payment

Despite making every effort to budget for your repayment, most lenders understand that problems can occur. Most lenders have the facilities in place to set up 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 make repayments may result in the true cost of your agreement 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.

Collections Process

You must contact your lender directly at the earliest sign of difficulties in being able to settle your agreement. Ongoing problems mean that not only do you incur more charges and interest, but the provider has no option than to pass your details on to collection agencies, which can be even more stressful.

Credit Reference Agencies

If your case is passed to a debt collection agency, finance providers can send the details to a credit reference organisation. This means that a note is put on your credit report, so that future creditors get a better understanding of your ability to settle finance 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 finalising.

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.

Renewal/ Extension Policy

iCashAdvance.co.uk do not recommend renewing your solution where possible. If you feel you have budgeted your finances sufficiently to extend your agreement, then you must contact your provider as soon as possible. Please consider though that this may incur an additional charge - please check carefully.

We work hard to ensure we don't partner with providers who have automatic renewal policies in place. Once we have directed you to a provider, 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 loan and associated interest and charges, that you don't really need.

Why are they called guarantor loans?

A guarantor is someone with a good credit rating, owning a property, who agrees to be responsible for your repayments should your situation change, and you become unable to do so yourself. They should be aged between 18 and 75, and should guarantee to be able to afford the monthly liability.

Do I qualify?

The qualification process not only depends on the suitability of your guarantor, as you still need to demonstrate the ability to settle in the first instance. The guarantor is only intended as an extreme last resort. It is a very important and serious commitment, and should not be entered into lightly by either partner.

You can receive finance even if you have less than perfect credit, so as long as you can demonstrate a regular income, and a UK address, then you fundamentally can consider this as a viable option.

Who can be a guarantor?

Your guarantor needs to be a homeowner, who has a good credit history, and no defaults on any bills or loan repayments. Please think carefully about who to ask, as they will be liable for your repayments, should you struggle to meet your monthly payments.

What is the maximum amount I could borrow?

Guarantor loans are generally taken out over a longer period of time than payday loans – usually up to 5 years. Therefore the amount you can borrow is higher. As a general rule, you can borrow up to £5000. This amount can be higher, but is at the lender’s discretion, and depends on your personal financial circumstances.

Can I top up?

You should not compare guarantor loans to shorter term borrowing products, because the purpose is entirely different. Guarantor loans are a way of enabling those who struggle to obtain traditional, longer term personal finance to do so. They are not intended for one-off scenarios where we have unexpected costs, but rather bigger events such as weddings, holidays, or debt consolidation (combining your existing debt in to one).

Monetary top ups are possible however, but this usually only becomes available when you have repaid a certain amount back on your original agreement. You can only do so by obtaining agreement from your guarantor, who will need to countersign the new agreement.

When do I receive my money?

As a general guideline, funds are transferred within 48 hours. However if all checks on you and your guarantor are carried out with no problems, this could be reduced to 24 hours.

Your application may be delayed if:

  • You or your guarantor are not available should there be a need to speak, which is normal
  • An item to prove your identity is required (e.g. passport, driving license, etc)
  • Your application fell on a weekend or bank holiday
  • The property your guarantor owns is in Scotland or Ireland

Can I repay early?

Again, this depends on your lender, but in most cases, yes, this is not a problem. The best part is, you normally won’t be charged a fee for doing so either!

Please read the terms and conditions of your lender carefully.

What if my guarantor is declined?

A guarantor is there to safeguard your lender against non-payment. Therefore they must be credit-worthy, and own their own home (their home is not at risk). They will only be rejected if the criteria isn’t matched. If this happens, unfortunately your current application will be rejected. Don’t worry though, you are free to apply again using a different guarantor.

Can I change my repayment date?

Usually your lender will allow you to change the payment date, but as a guideline, there are some general rules in order to do so:

  • Your first repayment date cannot be changed – only subsequent ones.
  • You need to provide 5 working days as notice of your request.
  • If you have missed payments, you cannot change the date.
  • You can only change your date 3 times, and once in any month.
  • You can only change your date to a day in the month that it is originally due.

If you are having financial difficulties, please contact your lender directly, as they will be happy to assist you.

How will I receive my funds?

Normally once all the checks have come back OK, the funds are transferred directly to your guarantor’s bank account. The reason for this is to ensure that there is no way someone can use their details without consent, and therefore covers all parties against fraud.

You can expect a text message once this has taken place.