Why choose CashLady to search for an £800 loan?
CashLady is a credit broker working with a large panel of trusted, responsible lenders, all of whom are authorised and regulated by the Financial Conduct Authority (FCA).
After filling in our simple online form, we’re able to scan our panel of lenders to help you search for a suitable loan, with no impact to your credit score.* Our service is free to use, and quotes are no-obligation.
* We use soft search technology, which will not harm your credit score. If we find you a loan and you choose to make a full application directly with the lender, a hard credit search will be carried out by the lender. A hard search will remain visible on your credit file for up to 12 months, and multiple hard searches in a short space of time could damage your credit score.
CashLady Representative 79.5% APR
Before you apply to borrow £800…
You will need to make sure that you meet the lender’s eligibility criteria. While this will vary, you can usually apply for a £800 loan if you:
- Are over the age of 18;
- Are a UK resident;
- Have a UK bank account and valid debit card; and
- Have a regular source of income paid into your bank account.
You can use CashLady to search for a loan if you meet the above criteria.
£800 loans for bad credit
If you have poor credit history, getting approved for a loan might be difficult. Some of the lenders on the CashLady panel specialise in loans for those with bad credit and are willing to consider applications from people with all credit scores.
If you are approved for a loan with bad credit, you should be aware that you may not be able to borrow as much money as you need and could be offered a higher rate of interest.
Before you apply for a loan, you should be sure that you’re able to make the monthly repayments and that doing so won’t leave you in a position where you’re unable to pay for your essential outgoings.
Can I get an £800 payday loan?
The lenders on the CashLady panel do not offer payday loans, but they do provide personal loans with a range of repayment terms.
Unlike payday loans, a short-term loan allows you to spread the cost of your borrowing, rather than having to pay everything back within a month. You should be aware, however, that the longer your loan term the more you will pay in interest.
Cashlady can search for £800 loans with a choice of repayment terms of either 3, 6, or 12 months.
Search for an £800 loan with CashLady
- 1. Let us know how long you’d like to borrow £800 for and fill out our online form.
- 2. We’ll run a soft search and scan our panel of lenders for a loan.
- 3. If we match you with a loan, you’ll be redirected to the lender’s website where you can find out more details about the loan product. If you’re happy to continue, you can make a full application with the lender. Remember, you are not obliged to make a full application if you do not feel this is the right loan for you.
- 4. At this stage, a hard search will be carried out by the lender.
- 5. If the lender is satisfied with the outcome of their checks, they’ll send you a loan agreement. Be sure to carefully read through the terms and conditions before deciding whether to sign and return.
I need £800 now - when will I receive the money?
While we understand that in some situations, such as an emergency vet’s bill, you need to access money quickly, please remember to take time to do your research before you decide to search for a loan. You need to make sure that any loan you apply for is affordable for you, and you’ll be able to comfortably afford your repayments without this affecting your essential outgoings, such as your bills and housing costs.
Some of the lenders on the CashLady panel are able to send your money on the same day your application is approved, although payout timescales will differ from lender to lender. You should also be aware that the time it takes for the money to become available in your account will depend on your bank’s policies and procedures.
If your need for £800 is urgent - for example, it’s a freezing cold day and your boiler has broken down - it may be an idea to speak with your lender before you make a full application. They should be able to let you know exactly what to expect.
What happens if I can no longer afford my loan repayments?
If you find that you’re having difficulties repaying your loan, you should reach out to your lender. They will appreciate the fact that you’ve got in touch and will be keen to work with you to put a plan in place. They may be able to discuss some options that could help to ease the pressure while you get back on your feet.
While this situation can feel overwhelming or even scary, you have nothing to be ashamed of – circumstances can change, often out of our control, and your lender will understand this.
Worried about money? We can point you in the right direction.
Charities and organisations such as StepChange, MoneyHelper, Citizens Advice, and National Debtline can offer free, confidential advice on a range of topics, including money and debt management, the cost-of-living crisis, and applying for any benefits you may be eligible for.
Remember, asking for help is the first step towards taking back control.