Here at Wizzcash, we specialise in providing quick cash loans for people who suddenly find themselves facing a financial emergency. Financial emergencies come in many forms and could be something relatively minor such as a washing machine breaking down, or something major like a flood in your home or needing to replace your vehicle.

What Exactly Are Cash Loans?

A cash loan is something that you can apply for online via our online application form. If you are approved for the loan, then it can be transferred into your bank account the same working day. The quick cash loans that we provide are unsecured (which means that you do not need to offer up an asset as security should you default on your cash loan or miss your repayments) and range in value starting at £200, with the maximum amount you are able to borrow at £1000. Applying for a cash loan online is quick and simple. We would recommend that you take the time to find out a bit more about the borrowing process itself, how we operate here at Wizzcash and eligibility.

Once you have submitted your online cash loan application, we will inform you as to our decision and if you are approved, then we will transfer your cash loan amount into your bank account; you could, therefore, receive the cash you need the same working day.

What Can I Spend My Cash Loan On?

As previously stated, our cash loans are intended and designed to be a form of emergency borrowing, with repayment structures set up so that the whole sum of money borrowed, including the accrued APR, is repaid over a short time period. These repayment structures along with our affordability checks might help you during an emergency.

Below we have listed some of the most popular reasons as to why people take out a quick cash loan such as a cash advance, with us here at Wizzcash:

  • To carry out emergency repairs to the home
  • To finance emergency dental work, such as fixing a tooth or teeth that have been chipped or knocked out due to an accident
  • To pay a bill that is overly large, or a lot larger than you were expecting it to be

Our quick cash loans are not a long-term solution for financial issues. If your paycheck for a particular month just will not stretch to accommodate the expenses that you need your cash loan for, then a quick cash loan could be a viable alternative. However, if you don’t feel as if a cash loan is the right choice for you then we recommend that you learn more about cash borrowing alternatives.

Is The Cash Loan Application Process Simple?

The cash loan application process here at Wizzcash is simple and straightforward. All you need to do is complete our online application form and fill in all of your details correctly, we will consider your application, as well as conducting credit and affordability checks, we need to do these in order to understand your circumstances better. We need to be sure that you can repay your loan plus interest comfortably and in a timely fashion. We will contact you via email as soon as we have made our decision regarding your loan.

How Long Do I Have To Pay Back My Cash Loan?

The repayment details regarding our cash loans vary and depend upon the terms and conditions of the loan itself. It is important to note with our quick cash loans you will be required to pay interest, and you will be required to pay certain amounts on certain dates so plan your monthly budget accordingly.

How Much APR Is There On My Quick Cash Loan?

Our APR, or, Annual Percentage Rate, is currently 1265% (this is current and correct as of April 2019). If you are unsure what exactly APR  is then you can learn more about it here.

Am I Eligible For A Cash Loan From Wizzcash?

The eligibility criteria for online cash loans can vary from lender to lender. At Wizzcash, our criteria are put in place and enforced to ensure that the loan itself is repayable, with realistic repayment terms. Our lending  criteria are as follows:

  • You must be at least 18 years of age at the time your application is made
  • Be a resident of the U.K
  • Be in some form of employment, with take-home post-tax earnings of at least £750

If I’m Late On My Online Cash Repayment Will My Credit Score Be Affected?

Unfortunately, yes late repayments or missed repayments can have a negative impact on your credit score. It is also important to know that an application, whether successful or unsuccessful will appear on your credit file.

Late repayments on any type of loan can cause you serious money problems. For help and/or advice, please go to

Are Cash Loans Regulated By The FCA?

Cash loans are indeed FCA regulated and there is a lot of restrictions and rules that are in place to protect the borrower from irregular or unorthodox lending practices. Learn more about our FCA regulations.

Why Choose Wizzcash?

Choosing Wizzcash for your cash loans means that you are choosing a lender who takes ethical lending seriously. Our cash loan online application process is easy to use, and we ask only for the information that we need to make an informed decision regarding your quick cash loan.

In the meantime, to learn more about budgeting we have put together this blog for you. We actively encourage all of our customers to repay their loans early if they can and as such we do not charge any early repayment fees.

Finally, we aim to answer all of our cash loan applications as soon as we possibly can so you are not waiting a long time for decision; financial emergencies demand swift responses.

To discuss a cash loan with us, or for more information on our quick cash loans then get in touch with us, we are here to help.