Who were Tappily?
Tappily was a UK-based provider of personal credit lines.
They were authorised and regulated by the Financial Conduct Authority (FCA).
Are Tappily still trading?
Unfortunately, Tappily went into administration and ceased trading in January 2023, and were therefore unable to continue lending to customers.
Tappily stopped offering credit on May 31, 2023.
The Tappily website advises that the company sadly experienced a deterioration in financial performance which led to them being placed in administration.
I was a Tappily customer; what happens now?
According to the Tappily website, outstanding loans would not be collected from April 9th, 2024, and customers who have not repaid in full will see this reflected on their credit file.
Customers were also urged to download a record of their transaction history prior to April 9th, 2024, as individual Tappily logins and accounts will no longer be accessible from this date.
We’re sorry, but CashLady are unable to help with queries relating to Tappily. For further information, visit Tappily’s website.
Why consider CashLady as a Tappily alternative?
- Our service is free to use.
- We work with a trusted panel of lenders.
- The lenders on our panel offer loans from £100 to £10,000, with repayment terms between 3 and 60 months.
- Our online form is simple and straightforward.
- No-obligation quotes.
- CashLady and the lenders we work with are authorised and regulated by the Financial Conduct Authority (FCA).
Who can search for a loan with CashLady?
You can search for a loan with CashLady if you:
- Are over the age of 18;
- Are a UK resident with a UK address. Please be aware that some lenders may also require three years’ worth of UK address history;
- Have a UK bank account with a debit card; and
- Have a regular source of income paid directly into your bank account.
I have bad credit – can I still search for a loan with CashLady?
You’re welcome to search for a loan with CashLady if you have poor credit.
Some of the lenders on our panel are willing to consider applications from those with less-than-perfect credit scores.
It’s worth bearing in mind that if you are approved for a loan with bad credit, you could be offered a higher interest rate. Before you commit to taking out a loan, you should always ensure that you can comfortably afford the monthly repayments without this affecting your other priority bills.
The CashLady process
We hear you: complicated forms scattered with financial jargon are the last thing you want when you need money in a hurry. Our online application should take no longer than five minutes to complete.
1 - Decide how much money you need to borrow, and for how long, and fill out our online form.
2 - We’ll run a soft search on your financial information and present your application to our panel of lenders.
3 - If we find you a suitable loan, you’ll be redirected to the lender’s website, where you can find out more about the terms of your offer. Read these through carefully before deciding whether to proceed. If you’d like to go ahead, you will need to complete some further checks with the lender, including a hard credit search.
4 - If the lender is happy with the outcome of their checks, you’ll be sent a loan agreement.
5 - Some of the lenders on our panel are able to send your money on the same day your application is approved, although the time it takes for the money to appear in your account will depend on your bank’s policies and procedures.
Things to remember when applying for a loan
You should never borrow more money than you actually need or can afford to repay.
CashLady is a credit broker, not a lender. When we scan our panel of lenders for a loan, we use soft search technology, which won’t be visible to other companies on your credit file. Soft searches do not impact your credit score in any way.
Should you choose to go ahead with the loan we’ve found you, you’ll be required to undergo a hard credit search directly with the lender. Hard searches will leave a footprint on your file and, additionally, too many hard searches over a short period of time could result in a decline to your credit score.
I’m worried about money; is there anything I can do?
We’re so sorry to hear that you’re experiencing financial worries, and we understand how daunting this can feel.
Although reaching out and asking for help is often the very last thing we feel like doing, it’s important to remember that this is the first step to taking back control.
If you’re anxious about reaching out to someone in person, you can access free, round-the-clock money and debt advice on a range of websites, including StepChange, MoneyHelper, Citizens Advice, and National Debtline.