A fast and simple way to borrow up to £5,000*

Loans between £250 and £5000 spread from 3 to 60 months with a decision in 60 seconds*

Reviews are for Munee Hut Llp, that owns and operates iCashAdvance.co.uk

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!


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


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You will get your decision in around 30 seconds.


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

"Applying is quick and easy – I saw my loan offer in 3 minutes"
"Applied and got the money the sameday - fantastic"
"What a great free service – I got my money in hours!"

Personal loans from £250 - £5,000 between 3 and 60 months. Our comparison rates, which include possible lender fees, have a maximum rate of 99%. All associated fees and rates are based on your personal financial circumstances.

* Our comparison rate is based on a £1,800 Personal Loan for a 2 year term. This rate is applicable for unsecured personal loans only.

WARNING: Our comparison rate only applies to the example or examples provided. Alternative loan amounts and terms will produce different comparison rates. Additional costs such as redraw fees or early repayment fees are not included in our comparison rate, but could influence the overall cost of your loan.

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* 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.

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"Very impressed with the service i received - application was quick and easy to understand, I was approved the same day and had the money in no time..."

Howard, Manchester

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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Implications of Late/ Non-Payment

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.

Collection Process

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.

Credit Reference Agencies

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.

Renewal and Extension Policies

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.

Code of Practice

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 short term loans

At iCashAdvance.co.uk, we confirm that we will not apply any of the following:

  • NO fast-track fee
  • NO monthly charge away from interest
  • NO collection fees
  • NO postage fees

Do I qualify?

To qualify for a payday loan, you must be:

  • A UK resident
  • 18 years old or older
  • Have an appropriate regular income

What is a short term loan?

Short term loan is a broad term used for lending solutions generally paid back over 6 months or less. You may also hear this described as a payday loan or instalment loan. The main purpose for this solution is to provide a smaller amount of money over a shorter period of time. Whilst longer term borrowing in the current financial climate is very hard to come by without a guarantor (see our guarantor loan page), borrowing over less time should only be used if you are sure you have money left over each pay day, and you can therefore afford the settlement figure.

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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.