Cash loans


Select your loan options

How much? £

Number of repayments

repayments of

When is your next payday?

Repayment summary

Please ensure you can afford each of the repayments before applying.

Amount borrowed:
Length of borrowing:
First repayment date:
Instalment amount:
Total repayable:

Repayment summary

Please ensure you can afford each of the repayments before applying.

Amount borrowed:
Length of borrowing:
Date of repayment:
Interest per day:
Total repayable:

Please note: Calculation is for illustrative purposes only. The actual cost and repayment summary may vary based on affordability and pay dates.

Please note: Calculation is for illustrative purposes only. The actual cost and repayment summary may vary based on affordability and pay dates.

Representative Example:  £300 borrowed for 6 months. Annual interest rate of 179% (fixed). Total amount repayable is £461.70 in 6 monthly instalments of £76.95. Representative 444% APR.

How to apply for a cash loan

Apply for your cash loan

Visit us in-store and select how much you want to borrow and how long for. You could borrow between £100 - £2,000, repayable over 3 - 12 months. Please note that borrowing for longer can be more expensive.

Get a decision

We will make an instant lending decision based on your details provided. All applications are subject to credit and affordability checks.

Money deposited

If your loan application has been approved you will receive your deposit as cash.

Ways to apply for a short term loan

Online

Apply for loans online by filling out our application form. Receive an instant decision on your loan request.

Apply now

In-store

Alternatively, apply for a cash loan in-store – we have over 230 stores across the country.

Find a store

By phone

You can also call us on 0800 009 3565* to apply for a short term loan.

Contact us

What are cash loans?

Our cash loans enable you to borrow money from us, for an agreed period of time. At The Money Shop, you can apply for a loan of between £100 - £2,000*, repayable in monthly instalments aligned to your payday. Our in-store loans enable you to repay over 1-6 months; whereas our online loans have monthly split from 3-12 months (although you can choose to pay your loan back early).

You can apply for a cash loan in-store. If your application has been approved, you will receive your cash in hand.

Alternatively, you can apply for a loan with us online. If approved, you will receive your deposit via bank transfer as opposed to cash in hand.

If you apply for a loan online with us; if your application has been accepted and approved by 3pm, you’ll qualify for a same day transfer. Loan deposit times run from 4am to midnight, on the hour (everyday)**.

Apply online

Which cash loans are best?

There is no correct answer to this, as it depends on how much you want to borrow and how long for.

However, when searching for cash loan providers, it’s important to do your research and make sure the company you choose are regulated.

Payday cash loans can be used if you need to make a small shortfall in your cash flow, but paying back a lump sum all at once isn’t always convenient, and could create cashflow problems.

Alternatively, short term cash loans enable you to repay the amount you borrow over a specified period of time -  at The Money Shop, you can choose to repay your cash loan over 3 – 12 monthly instalments. Please note that borrowing for longer can be more expensive.

Why choose The Money Shop for cash loans?

At The Money Shop, we don’t charge any fees – that’s no arrangement fees, no late repayment fees and no early repayment fees. All you pay for your cash loan is the agreed interest. In fact, if you decide to pay early, you can reduce the amount of interest you pay, as it’s calculated on a daily basis.

As a provider of financial services to a range of customers nationwide; we pride ourselves on customer service.

The Money Shop is a trading name of Instant Cash Loans Ltd, who are regulated by the Financial Conduct Authority (FCA): and are members of the Consumer Finance Association (CFA). This means our services comply with responsible lending guidelines.

Apply online

Important information about your cash loan

Paying back cash loans

Your loan repayment(s) will be taken automatically on the contractual date(s) using your debit card. If your card details have changed please contact us urgently on 0800 009 3565* to update these.

There aren’t any late repayment fees if you miss a payment for your online loan, and we won’t charge any additional interest. However, late repayment may result in us reporting this to the credit reference agencies, which may have a negative effect on your credit score.

If you are an existing customer and would like to apply for a cash loan online, please do this through your online account, or alternatively, you can contact us on 0800 009 3565* to apply over the phone**.

We understand that your personal and financial circumstances can change. If this occurs, or if you are having trouble repaying your cash loan, let us know as soon as possible by contacting us on 0800 009 3565*, and we will do our best to help.

Free debt advice

If you are experiencing financial difficulty, please click here to find information on non-fee charging agencies that provide independent advice.

Short term online loans should not be used as a long term financial solution

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