Warning: Late repayments can cause you serious money problems. For help, go to moneyhelper.org.uk. We are a broker not a lender.
Warning: Late repayments can cause you serious money problems. For help, go to moneyhelper.org.uk. We are a broker not a lender.
Keep getting declined for credit and want to know why? Lenders may review credit scores when making decisions.
View your scoreRepresentative example: if you borrow £550 over 18 months at a flat rate of 180% per annum (fixed) with a representative 770% APR you will make 18 monthly payments of £113.06, repaying £2,035.08 in total. Rates from 45.3% APR to 1721% APR. A short term high cost loan should not be used as a long term solution. We are a broker not a lender. We don't charge fees. We don't sell your personal information. We may receive a commission from the lender.
Find out how to get started with Cash Kitty
Apply using our simple application form. It only takes a few minutes to complete and receive a decision.
Choose how much you'd like to borrow and the loan term. You can apply for a loan from £100 to £5,000*.
Once you have completed your loan application and been approved the money will be deposited into your bank account.
Reasons to consider applying with Cash Kitty
100% online application, fill out our simple online form.
Your details are secure with us, we won't share personal info.
Get your money fast, in your bank within minutes of approval.
You can apply if you are: 18 years of age or older, living in the UK (England, Scotland, Wales and Northern Ireland), employed and receiving a regular weekly or monthly income which is paid into a valid bank account that accepts direct debits.
Before you take out or apply for any loan, you should consider whether you really need it. Can you save up for the thing that you want? If you can, you will save on interest payments. Taking out a loan to pay off other debt, will only lead to a debt spiral and financial hardship. Short term loans should also not be taken out to cover long term financial commitments.
If you are in any doubt or require any further information, speak to a not for profit organisation such as the Citizens Advice Bureau or Money Helper. See our Am I Eligible page for more information to see if you're eligible for a short term loan.
Yes, most of our lenders will work with people who don't have perfect credit. Most of our customers are people who can't get regular loans from a bank. The lenders we deal with tend to have higher APR than the general mainstream banks, however when you take a loan you can't be charged more than 0.8% per day in line with the FCA rules, so the quicker you pay off your loan the less interest it will cost you.
If we are unable to find you a loan you should not be offended as this means that the lenders are acting responsibly and it may be that you need to take alternative steps to address your current financial situation.
If you are in any doubt as to whether a loan is suitable for you, you should contact the Citizens Advice Bureau or Money Helper - free, impartial advice services which can help and support you.
We are a free online credit brokerage. We DO NOT charge our customers a fee for this service. No one from Cash Kitty or any financial partner relations; including lenders; will ever contact you and request you to send money to them or buy products from them in advance of receiving your loan.
To learn more about dealing with cold-calls, refer back to our fraud protection guidance.
Please try not to panic. Lenders are equipped to deal with these situations. If you think you are going to have a problem with your repayments you should contact your lender as soon as possible. The sooner they know there's a problem, the sooner they can start to help.
If you're worried about things and want more help and information, there are a number of free and independent organisations which can help.
If you need help finding your lenders contact details please contact us.
Most of our customers are people who can't get regular loans from a bank. The lenders we deal with tend to have higher APR than the general mainstream banks however when you take a loan you can't be charged more than 0.8% per day in line with the FCA rules, so the quicker you pay off your loan the less interest it will cost you.
Since short-term loans are usually paid back in a shorter amount of time, the APR is not the best way to compare our rates to those of other lenders. The sum amount you pay back is more important to our lenders than the APR. APRs for longer term loans tend to be cheaper because the loan payments are spread out over a longer period of time.
We don't work with every UK lender, so you might find a cheaper loan somewhere else.
Short term loan rates and charges explained
Loan example | |
---|---|
Loan amount | £550 |
Loan term | 18 months |
Total repayable | £2,035 |
Representative example: if you borrow £550 over 18 months at a flat rate of 180% per annum (fixed) with a representative 770% APR you will make 18 monthly payments of £113.06, repaying £2,035.08 in total. Rates from 45.3% APR to 1721% APR. A short term high cost loan should not be used as a long term solution. We are a broker not a lender. We don't charge fees. We don't sell your personal information. We may receive a commission from the lender.
Have you been declined for credit and want to know why?
Access your credit report and score. Discover what lenders see when assessing your loan application.
See how much you can borrow and understand what affects your score.
Review who is financially associated to you and who impacts your ability to get credit.
What you need to apply with Cash Kitty
Must be living in the UK
Must be at least 18 years old
Must have a UK bank account
Must have a regular income
Must have a valid UK address
Able to repay the short term loan
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