How much cash
do you need?
Max 1st time loan £300

Repay over 3 months
Month 1
Month 2
Month 3
Example based on 90 day loan
apr bar
  • Total Amount of Credit: £200  
  • Duration of the Agreement: 90 days
  • Total Amount Repayable: £291.18 to be re-paid in 3 equal instalments of £97.06 on your next 3 pay days
  • Interest is Fixed at a rate of 264% per year
  • Representative APR 993%

An instalment loan is traditionally repaid over a limited period of time with a set number of scheduled payments. It differs from payday loans in that there is no expectation that borrowers will have to pay back the loan in one lump sum. Instalment loans often give borrowers a longer period of time to repay what they owe too. offers instalment loans of up to £300 on your first loan and progressively more on repeat loans. Instalments loans from are repaid over 3 months. You’ll receive your money in one lump sum and pay back an equal amount, each month, until the 3 month period is over and your loan cleared. Remember, if you wish to pay it back early, there are no extra charges.

Applying for an instalment loan at is a 100% online process and takes only minutes to complete. You’ll see clearly how much you’re expected to repay – and when – before committing yourself to the loan. Next, provide us with your details and you'll find out quickly whether or not you have been approved for a loan. If you have, you could see the money in your account later that day! is committed to being a responsible lender. We put all our candidates through a credit check and only approve loans for those who can afford them. You’ll also need to ensure you meet the criteria below:

  • Minimum 20 years of age
  • UK Resident
  • In current employment and take home a minimum of £750 a month

Sound ok? Then you’re eligible to apply for an instalment loan with!

Welcome to! We offer short-term loans to cover your short-term cash needs. With a competitive rate of 993% APR we also happen to be one of the cheapest lenders you’ll find - with the added bonus of a flexible three-month repayment plan. Whether you need a cash injection for a car repair or a plumbing disaster, we’ve got the emergency funds to see you through a tight spot. is an innovative online money lender offering loans of up to £1,000. You’ll receive your cash in one lump sum without complicated paperwork or lengthy queues. Our quick and easy online application also means you can ask for money from the privacy of your own home. We pride ourselves on plain-dealing so you can pay us back in three equal instalments over three months – or sooner, with no early payment fees, if you’d prefer.

We’re lenders with a conscience. Before approving your loan we’ll carry out a credit check and an affordability check to only approve loans to those who can afford them. You can be as confident as we are that repayments will be made promptly and the loan cleared fast. Unlike other lenders, we don’t see the benefit of squeezing any extra money out of you by prolonging the debt period with minimum repayment options or by tempting you to take out more money than you need. Nor will we catch you out with technical jargon or hidden costs. Straightforward, sensible solutions are what we excel at. is a 90-day lender with a more responsible solution to short-term cash needs. Like you, we’ve been reading a lot about payday loans companies in the papers, their high APR and particularly their poor lending criteria, which often encourages a dangerous spiral of debt for many borrowers. In recent years payday loans companies have also become synonymous with aggressive debt collection policies. Many people are pressured into taking out another loan just to pay off the cash they owe on their existing one. And then there’s the inflexible 30-day repayment schedule. It’s a big ask to pay back a loan in just one month and the sad truth is that most people simply can’t afford to. The result? Revolving credit and no chance of ever clearing the debt. That’s not us.

Welcome to the alternative. It’s impossible to deny the need for short-term lending. While we can’t address the root of the problem, we can offer a different - more responsible – way to live with it. For a start, we make sure applicants are in employment and pass a credit check. We also perform an affordability test to match the amount you want to borrow with what you can afford. Then there’s the added flexibility of paying back in three equal monthly repayments rather than one lump sum. What’s more, our 993% APR is likely to be the lowest you’ll find in this short-term, unsecured lending space. 

In short, we’re competitive, convenient and completely committed to responsible lending so would still encourage you to use sensible alternatives if they’re available. Think about trying a credit union if you’re a member, or using an authorised overdraft if you have space on it. Credit card funding, a company loan or simply friends and family could all still be a cheaper option. However, if you’ve exhausted all of these we’re pleased to offer as a viable, responsible alternative.

4.5 Wizzcash is rated 4.6 / 5 based on 19 reviews from the last 12 months. Read our reviews

Short Term Loans

  • Quick Approval
  • Free To Apply
  • No Early Payback Fee
  • 3 Equal Repayments

How We Compare

Typical Payday 2477% 993%
That's less than HALF the APR