Below you'll find some of the most popular questions asked to us by our customers. We've tried to answer them as best we can for you

How do I apply for a loan with ZipCash?

You can apply online through our simple online form and we'll search the market to find the right lender for your loan and deliver the result to you.

Is ZipCash a free service?

You will NEVER be charged anything for using our service. If you decide to choose a loan through ZipCash, your lender may pay ZipCash a commission.

How much can I borrow?

This will depend on your personal circumstances but loans generally range from £100 to £3,500.

What can I use the loan for

Generally there aren't any restrictions on the loans offered here at ZipCash, however they are intended for short term purposes and should be used sensibly.

When will I receive the money in my account?

It's possible for the money to be in your account in as little as 10 minutes once accepted. The time it takes will depend on the policies and procedures of your bank.

I have poor credit, can I still apply?

Yes you can still apply. Our panel of lenders aim to service customers from all sorts of different backgrounds and circumstances. Your ability to make future payments will be taken into consideration rather than just your past history.

What is 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.

What if I have difficulties paying back my loan?

Contact your lender as soon as possible, they will want to work with you to find an amicable solution. Alternatively, if you’re worried about things and want more information about how to manage your money, there are a number of free and independent organisations which can help:
StepChange: www.stepchange.org / 0800 138 1111
Money Advice Service: www.moneyadviceservice.org.uk / 0800 138 7777
National Debtline: www.nationaldebtline.org / 0808 808 4000

What is ZipCash?

ZipCash is a well established UK credit broker.

We're experienced in finding loans for every type of person. Whether your credit score is perfect or below average, we pride ourselves in finding the best lender for your circumstances.

Apply through our simple online form and we'll search the market to find the right lender for your loan and deliver the result to you. Many of our lenders can offer your cash on the day of application (some can get cash into your account in as little as 10 minutes*).

Why use us?

Some of the things that set us apart from other services:

Loan funds can be in your bank within 10 minutes*

Quick online decision

Simple online form

No paperwork

Secured UK site

No hidden costs or fees

Are you eligible?

You'll be eligible to apply if:

You are 18 years or older

You are a UK resident

You are currently employed and earning a minimum of £500

Have a UK bank account


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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