FAQ
We try to be as clear as possible, and we like to think our service is nice and simple. However, we can’t predict every question you may have, so we’re here to help.
Why not check our FAQs first, to see if we’ve already answered your question? If not, we’re available to talk to on livechat, completely free during office hours (9-5 Monday-Thursday, 8-4.30 Friday).
I have received a fast cash loan offer from one of your lenders, but I have not accepted the terms and conditions. Can I cancel my application?
Yes. If you have not accepted the terms and conditions, you have not agreed to the loan and are under no obligations at all.
How do I make an application?
You just need to fill in one short form, and we’ll send your details to our lenders to get you a decision in minutes.
You’ll need to supply the following information:
- name and contact details, including a work and mobile phone number.
- work details, including salary details.
- bank information.
All of this information will be kept private, and will not be shared with anybody outside of the lending process.
Can you tell me whether or not I will be accepted before I make an application?
We have no way of guaranteeing whether or not you will be accepted before applying. The application form only takes a few minutes to complete.
How do I contact you?
Please see our About Us page.
What happens if I don’t repay my loan?
Please see our Responsible Lending page.
Do you send any post to my house or contact my employer?
We never send any post to your house. Your application will be completely discreet. The most a lender may do is verify your employment, but your fast cash loan application will never be discussed.
Do your lenders require a credit check?
Our lenders generally do require credit checks, although these will usually be brief. A bad credit rating does not necessarily rule you out, but you should note that payday cash loans are intended for short term credit use only and should not be used for long term debt problems. If you are having serious debt issues, we recommend you do not apply.
If I’m approved, how long will it take to process payment of a payday cash loan?
It can vary between lenders. It’s often the same day, and can be within the same hour, but it can take up to 48 hours in some circumstances.
Are there any charges or fees?
There are no application charges with City Cash Loans. The interest rate varies between lenders, and some lenders may have extra charges. But, if you’re accepted, this will all be made clear to you before you are under any obligation to take the loan. If you’re not happy with it, you don’t need to take it.
Do I have to apply online?
Yes. We cannot accept applications for payday cash loans over the phone.
How do I pay back the loan?
If you’re accepted by the lender, repayment will happen automatically using your debit card on the due date. You do not have to do anything – it will happen for you. If you do not have the money in your account on the due date, contact your lender.
How much can I borrow?
You can apply for up to £250 with City Cash Loans.
Why have I been directed to another site after I applied?
Because we’re a broker, if you have been successful, you will be forwarded to a lender after your application. They will also email you with a loan offer.
A field is showing up red on the application form. Why?
This suggests that a field has either been left empty or filled in incorrectly. Please check your details and submit again. If you continue to have problems, please contact our customer services.
Customer Services: 0843 5060 182 Mon-Thu 9am-5pm, Fri 8am-4.30pm – Email: [email protected].
CRN: 6617413 – Reg.Office: 28-32 Wellington Rd, London, NW8 9SP, UK – Consumer Credit Licence: 626678/1-Data Protection Reg #Z1696368