When you’re looking for a payday loan or any other form of short-term finance, it’s impossible not to think of Wonga. Though Wonga went into administration in August 2018, they’re the biggest UK payday loan company in the UK.

There are many lenders out there offering an alternative to the now non-existent Wonga loans. It is therefore more important now more than ever to make sure that you are choosing the right payday lender for you and your situation. We recommend that you research all your options and make sure that you only give your business to a lender that’s FCA authorised, transparent and ethical about the way they approach and provide payday loans. There are a great many Wonga Loan alternatives out there today, including Wizzcash.

Why Choose Wizzcash Over Wonga?

Wizzcash is a responsible lender, committed to offering payday loans to customers looking to borrow between £200 and £1000. Our payday loans are offered over a 3-month period, which we believe offers our customers plenty of time to repay their payday loan. Be wary of lenders offering you long repayment terms, as it can often mean you will be paying a considerable amount on interest.

Before you begin, you can use our handy online loan calculator to give you a rough idea of your potential repayments. Then, all you have to do is apply online and you could get an instant decision and have the cash in your account the same working day.

Why is Wizzcash Different to Wonga?

When you’re looking for alternatives to Wonga loans you want to choose a lender that is ethical and transparent in their practice, offering comparatively low APR rates, are FCA authorised and offer reasonable repayment schedules. Here’s what you’ll find at Wizzcash:

Low APR Rates

At Wizzcash our loans are offered with an APR rate of 1265%. This low APR rate means that you will repay less interest over the course of your loan with the overall cost of taking out the loan reduced.

Flexible Repayment Plans

At Wizzcash we devise repayment plans that suit you. We know there’s no “one size fits all” approach to lending. With a Wizzcash loan, you can pay in an agreeable time frame. Though of course, we would prefer you to pay the loan back as soon as you can afford to, as it will ultimately mean you pay less in interest rates. If you would like to find out more about our payday loans, please follow this link.

Varied Loan Amounts

No two people have the exact same financial circumstances. That’s why at Wizzcash we are certain that we can provide the right loan for you as we offer loans from £200 to £1000. This means that whatever you need your loan for, you can be certain that you can have access to quick cash when you need it most.

Quick Application Decisions

A payday loan is something that you usually need as quickly as possible. Unexpected bills, amenities breaking down and/or needing replacing, your car not functioning as it should – whatever you need the money for, you need it quick. We’ve made it easy to apply for a payday loan, and you could get a provisional decision instantly. If your application is successful you can have the money in your account within one working day.

Honesty and Responsibility

As previously mentioned, Wonga Loan’s reputation is still very negative, this was due to questionable lending practices, failings in due diligence, and much more besides. The industry has now evolved, and new legislation has been introduced that has been designed to protect payday loanees and lenders alike. We’re an ethical lender, that is FCA approved and as such we operate firmly within their regulations.

Ethical Payday Lending

The financial situation of our customers is a top priority for us, which is why we know our payday loans aren’t suited for everyone. We won’t provide loans to people we know can’t afford them. To that end, we’ve put together a handy guide to payday loan alternatives that we recommend everyone reads before they enter into a payday loan.

Is a Credit Check Mandatory?

Yes. We undertake a credit check on all our potential customers, just to ensure that you’re able to pay back the loan comfortably. This is in your interest as it helps to ensure you can repay your loan, whilst keeping your credit score from taking a hit. If you can’t afford to pay back the loan, then we won’t approve your application for a loan: it is that simple. A credit check won’t delay your application time, and all you need to do is provide us with your correct details.

Is Wizzcash Right for me?

When times are tough and you need a cash injection in a hurry, always choose a responsible and ethical lender. If you’re looking for a payday loan alternative that you can rely on, choose Wizzcash. You’ll find the right loan and a repayment schedule that suits you.

Can I Apply now?

Absolutely! First, have a look at our loan calculator to see what your potential repayments would be. It takes just a few seconds and will help you understand your loan in more depth.

Then fill in your details and let us do the work. You’ll get a provisional decision instantly, followed by the actual decision shortly afterwards when we have completed the relevant checks to ensure your credit status. With that, you’ll have the money sent straight to your account, within one working day – it’s really is that simple.

So, for a reliable and ethical alternative to a Wonga loan, make sure you choose Wizzcash.


Wizzcash.com is a payday loan direct lender. This means if you have a successful loan application with us we will communicate and lend directly to you. In the event that we are not able to help you, we are also a broker and we will link you to panel of consumer credit companies who might be able to offer you: loan products, with loan terms from 1 to 36 months, loan comparison websites to give you access to the comparison of loan products or credit reports companies to help you understand credit ratings and make informed credit decisions. We will never pass on your card details to any other organisation.