ZipCash.co.uk

Looking for a
quick online loan?

Instant decision £100 to £3500 loans sent in just 10 minutes*

Borrow from £100 - £3500
Over 2 - 24 months
All credit types welcomeˆ
See loan terms before deciding
9 Out 10 Customers Accepted
Thousands of happy customers find a loan with ZipCash every week
49.9% APR Representative
Representative example: Borrow £1200 for 18 months. Interest rate: 49.9% pa (variable)
Total amount to repay £1,628.28. Rates from 45.3% APR to 1575% Max APR.

49.9% APR Representative

Representative example: Borrow £1200 for 18 months. Interest rate: 49.9% pa (variable). Total amount to repay £1,628.28 Interest: £428.28. Representative 49.9% APR. APR rates range from 45.3% APR to 1575% Max APR - we provide a no obligation quote, your APR will be based on your personal circumstances.

Warning: Late repayment can cause you serious money problems. For help go to moneyadviceservice.org.uk

60 second form

Applying is easy with our 100% online application.
zipcash form screenshot

The easy way to borrow.

Just some of the things that set us apart from other services

Quick online decision

Our service is a fast way to get a personalised real time loan offer by filling out a simple multiple choice form. No paperwork necessary!

Receive funds in 10 minutes*

Once approved, your cash could be sent within 10 minutes. The exact time will depend on your bank’s policies and procedures.

All credit types consideredˆ

We aim to service customers from all backgrounds and circumstances: both good and bad credit.

You've got nothing to lose

Getting a quote with us doesn’t affect your credit score. And after filling out our simple form, if you’re happy with your offer, you could have your cash sent today.*

You're in good company.

Join the thousands of happy customers finding a loan with us each week.
96%
leave satisfied
9/10
people accepted
In a recent survey, 96% of our customers said they were satisfied with their experience.

ZipCash does not make credit decisions and is not a lender. We are a licenced credit broker and use a panel of lenders.

Your no obligation quote and APR will be based on your personal circumstances - we compare loans from over 40 of the UK's main installment lenders to get the lowest APR possible for you.

Your Security. Our Priority.

We always have your security in mind. Rest easy knowing your data is protected with encryption.

Online Installment Loans

Collection practices

After securing your instalment loan, regardless of the size or tenor of the loan amount, you are responsible for the repayment of the agreed upon loan. If for any reason you find that you will be unable to meet the agreed upon repayments or feel that these repayments will be too difficult, you must contact the provider of your loan as soon as possible.

By contacting your unique lender, you’ll be informed of any possibility to reschedule or otherwise restructure your loan repayments, or discuss other options necessary to avoid adverse action. It’s important to remember that altering or adjusting the repayment structure of your loan can result in increased charges or interest.

Any specific questions regarding your actual loan agreement should be addressed directly to your lender. If you do not attempt to contact your lender and instead default on any part of your established repayment schedule, the lender reserves the right to make your details readily available to third-party debt collection agencies to recover the debt accordingly.

While specific lending policies will vary, lenders typically reserve the right to utilize Continuous Payment Authority to take payments directly from your card and/or account up to ninety (90) days past your due date. This action may only occur if it’s been agreed upon within the terms and conditions of your signed loan agreement.

It’s important to review this agreement carefully before finalizing your loan, as any rules or regulations associated with the loan agreement may vary according to your specific lender.

Implications of Non-Payment

It’s important to understand that when you accept your loan, it establishes an agreement between yourself and your respective lender that is legally binding. Receiving a loan can become highly problematic if you do not adhere to the agreed upon repayment structure, as this can cause additional fees and interest and your lender reporting your loan as delinquent, when can negatively impact your credit score. A poor credit score can impact your ability to secure future loans or important future agreements like a home mortgage, automobile financing, etc. If you do pay on time consistently however, this can have a positive impact on your credit score.

If payments become late, it’s likely that additional collection fee and/or interest will accrue on your loan, in addition to the existing interest on the outstanding balance. You will also be legally liable to repay your lender any expenses or costs incurred while trying to recover your loan.

As such, there are a few important notes to keep in mind before you proceed to secure your loan:

  • Do NOT accept a loan agreement if you will have difficulty paying it back.
  • If you have any difficulty with repayment, contact your lender immediately and ideally, before a missed payment actually occurs.

Instalment loan renewal policy

If you require additional funding after your initial loan has come due, your lender may be willing to renew your loan. Contacting your lender individually is the best way to learn about their loan renewal policy and if this may be the right decision for you.

Our lenders typically charge the same or improved rates if you have successfully repaid a loan with them in the past, making you eligible for improved offers in the future. All of our pre-selected lenders will require you to affirm that you can afford your loan, regardless of size and tenor, and if you decide to renew a loan you should consider your ability to promptly repay an utmost priority.

Delayed or delinquent payment can lead to more interest and fees being added to your account and can result in a negatively impacted credit score as well.

When you require your next cash infusion, ZipCash will work to find you the right pre-approved lender to make your cash available as soon as possible, often rendering a direct deposit to be made available in 10-minutes or less after approval.

We specialize in instalment loans to spread your require repayments out over a number of months, which serves as an excellent alternative to both short-term and payday loans. When you apply for a cash loan with ZipCash, we match your needs with available plans from over 40 lenders in seconds flat. We find the lender that has the cash available with repayment options that best suit your needs and communicate this option to you as rapidly as possible.

ZipCash emphasizes instalment loans, which serve as the ideal alternative to short-term or payday loans that require rapid repayment and are generally less flexible. We specialize in leveraging the ease of use, speed and convenience of these services, coupled with a more spacious repayment period. We believe that when it comes to your loan terms and repayment period, more breathing room is always a good thing…

Submitting your application today requires absolutely no obligation and can be processed in a matter of minutes. We welcome you to search for the right loan, which you’ll only be obligated to repay after signing electronically to confirm and receive your loan offer.

The Many Benefits of Instalment Loans

ZipCash has some tremendous benefits over short-term loans like payday loans. This is primarily because loans you find through us allow for a longer payback period, up to twenty-four (24) months. This time can be incredibly helpful when it comes to securing the funds needed to pay your loan on back in-full and on-time.

It’s also important to note that when you apply for a loan online with ZipCash, we won’t provide extra hassle and requirements like providing a recent bank statement or employer references. Our easy to fill out form has been consolidated to include only the most essential questions and can be completed in minutes. This all-in-one form will provide our lenders with all of the information they need to make a decision on your application and secure your funds.

Online loans brokered via ZipCash are fast and easy, approved online and then sent directly to your UK bank account.

Instalment payments make repayment much more navigable than payday alternatives, though you should still be sure to read all terms and conditions contained within your specific loan offer.

No obligation application

Our no obligation, no-hassle, application is simple and straightforward, so you can secure your funds even faster.

We’ve worked diligently to make our process as simple as possible, so you can secure your funds and be on your way! As long as you meet our straightforward eligibility criteria, your loan should be approved in minutes and sent directly to your UK bank account shortly after you’ve confirmed and signed for your loan.

However, successfully completing your application does not automatically qualify you for a loan, as your application will be reviewed by our best suited short-term lenders. Your application will be approved or declined based specifically on the information you provide on your application, and you should be sure to reply to any and all questions accurately and honestly.

If your application is successful, we’ll select the best options based on your needs and present them to you as quickly as possible. Once these options are presented, you are still under no obligation to proceed with your loan agreement.

If the loan offered does not meet your requested amount (for example, a loan offer of £200 when you’ve requested £400) you are under no obligation to accept the offer. As with all loan offers, we strongly advise you to review all terms and conditions associated with your loan offer before proceeding and signing your loan agreement.

zipcash.co.uk

Representative 49.9% APR

Representative example: Amount of credit: £1200 for 18 months at £90.46 per month. Total amount repayable of £1628.28 Interest: £428.28. Interest rate: 49.9% pa (variable). 49.9% APR Representative

Rates from 45.3% APR to 1575% APR - we provide a no obligation quote, your APR will be based on your personal circumstances.

Company Registered Number 2857244 | Financial Services Register Number 826926 | ICO Registration Number ZA539190. ZipCash is a trading name of Bas Digital Limited. Registered office: 20th Floor, Central Tower, Queens Road Central, Central, Hong Kong. Licenced by the Information Commissioners Office, (registration number ZA539190). Bas Digital Limited (FCA reference number 826926) is an Introducer Appointed Representative of Nouveau Finance Limited. Nouveau Finance Limited is authorised and regulated by the Financial Conduct Authority, entered on the Financial Services Register under reference number 727348, and licensed by the Information Commissioner’s Office under reference number ZA539190.

ZipCash does not make credit decisions and is not a lender. ZipCash introduces customers to Nouveau Finance Limited, who match customer’s loan applications with lenders on their panel, based on the information you provide. ZipCash may receive commissions for introductions. This website does not directly endorse a particular product or service. Information on our website should be taken as opinion only. Loans for UK based customers only.

Loans are subject to status and satisfactory affordability checks. Over 18’s only. Default charges may apply if you do not repay on time. Short term loans are not suitable for longer term borrowing needs.

CONSUMER ADVISORY: ZipCash is a loan matching service. This website will submit the information you provide to a direct lender. Upon a loan approval, a direct lender may require further information from yourself which will be collected after we transfer you to their website or they may contact you via phone or email or both.

AUTO DECISIONING: Auto Decisioning allows lenders to make a decision on your loan application without the need for human interaction, for more information please contact your lender or see their privacy policy.

(*) Once approved, your cash could be sent within 10 minutes. The time that it takes for the cash to be received in your account will depend on your bank’s policies and procedures.

(**) ZipCash will not perform a credit check, lenders will complete a soft search when assessing your eligibility for a loan. A hard check will be performed if you accept the loan offer.

(ˆ) If a lender match is made, an application may still be subject to credit checks and affordability assessments in line with responsible lending.

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