Cash Kitty

FAQ

At Cash Kitty we understand that you need the right answers to your questions about our loans without all the hassle.

To operate this service we receive commissions from the provider we refer you to. We are a broker not a lender. We use a unique process to match our customers requirements to our lenders which is based on many of the features of the application details, applicant preferences, and the lenders product but does not include the commission paid by the lender to us. We do not charge our customers a fee for this service. No one from Cash Kitty or any financial partner relations; including lenders; will ever contact you and request you to send money to them or buy products from them in advance of receiving your loan. To learn more about dealing with cold-calls, refer back to our fraud protection guidance.

As we are a responsible, open and honest company, we believe that it is important to make all our policies easily accessible. Please visit our Terms and Privacy Policy pages for further details.

You can apply if you are: 18 years of age or older, living in the UK (England, Scotland, Wales and Northern Ireland), employed, and receiving a regular weekly or monthly income which is paid into a valid bank account that accepts direct debits.

See our Am I Eligible page for more information to see if you are eligible for a short term loan.

You can apply for a loan 24 hours a day 7 days a week. Most of lenders work 7 days a week and can even deposit funds into your bank account on the weekend.

You can apply for a short term loan, it is quick and easy. You use our online application form and enter in some basic details. If you approved you will then be transferred to a lender to complete the process. The lender may also ask some additional questions which were not asked in our application form. You can then sign for your agreement online and receive your loan from your lender.

Short-term loans are normally taken over a maximum term of 30 days so the APR is not the best way to see how competitive our rates are. Our lenders prefer to focus on the amount you pay back in total rather than on APR. We are confident that we offer the most competitive rates in the market for this service.

Instalment loan APRs are lower due to the fact that the loan repayments are spread over a longer period of time.

Your repayment of your loan will usually be taken in full via direct debit on your next payday, this will be taken by the lender who you have chosen to take your loan with. in the case of an instalment loan, the payments will be taken by direct debit on the same agreed date each month you agree with your lender.

Yes, when you submit your application you consent for our lenders to run a credit check to see if your eligible.

Yes, do not hesitate to apply, most of our lenders will also consider applicants with a less than perfect credit history.

Times will vary based on the lender you have agreed your loan with and also the type of loan you are looking for. Usually a short-term loan can take as little as 30 minutes, this means funds can be sent to your account the same day as you are approved. terms and conditions can change depending on your lender.

loans are paid directly into the bank account you provide.

No, we do not charge you a fee for using our loan matching service. However, if we are unable to find a loan for you we may be able to match you with an alternate broker who may charge you a fee for accessing their extended panel of lenders.

there will be no obligation to pay the fee, you will have the right to decline the fee and select a no fee option. We only work with brokers who offer a free trial period and full refunds when the service does not meet expectations.

Fees are charged by some of these entities to cover the cost of call-centre operations and membership system infrastucture required to source alternate loan options for you.

If you decide to pay the fee, all our partners will take your payment details via their website using SSL-secured technologies. No one will ever contact you and ask you to purchase products in advance to prove your ability to pay. If this happens you may be a victim of fraud. Learn more about how to protect yourself by referring to our fraud protection guidance.

If you wish us to skip offers that require up-front fees, you can specify this preference on our application form and we will skip them for you.

If you are receiving email and text messages from our company it is because when you filled out the online application, the marketing permission box was checked when you applied for a short-term, loan with Cash Kitty.

If you wish to stop receiving news of our latest offers and deals please click on the unsubscribe link in one of our emails or reply STOP to one of our text messages.

Fees are charged by some of these entities to cover the cost of call-centre operations and membership system infrastucture required to source alternate loan options for you.

If you decide to pay the fee, all our partners will take your payment details via their website using SSL-secured technologies. No one will ever contact you and ask you to purchase products in advance to prove your ability to pay. If this happens you may be a victim of fraud. Learn more about how to protect yourself by referring to our fraud protection guidance.

If you wish us to skip offers that require up-front fees, you can specify this preference on our application form and we will skip them for you.

If for any reason you choose to cancel your loan please refer to the loan agreement sent to you by your lender, cooling off periods and lender cancellation policies may vary.

If you are thinking of consolidating existing borrowing you should be aware that it may involve repaying a higher rate of interest, extending the terms of the debt and increasing the total amount you repay.

If you think you are going to have a problem with your repayments We would advise you to contact your lender as soon as possible, The sooner they know there is a problem, the sooner they can start to help. they will usually advise and help you with your situation, they will do everthying they can to make things easier so donot hesitate to contact your lender, you will probably be surprised how understanding they are.

Alternatively, if you are 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.

  • www.stepchange.org Is a free advice on debt problems and finding the best solution for you.
  • www.moneyhelper.org.uk offers a free, unbiased and independent advice to people who want to manage their money more effectively. Face to face sessions available.
  • www.nationaldebtline.org is a free, confidential debt advice service that is run by the Money Advice Trust.

Warning: Late repayments can cause you serious money problems. For help, go to moneyhelper.org.uk

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