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FAQ

FAQ

How do you earn your fee for this service?
Our services come at no cost to you, we are paid solely in the form of commission by the lender.. Cash 4 Loans is a broker NOT a lender. We use a unique, sophisticated algorithm to match customers to lenders. This matching process is based on application details, preferences, the lender but not the commission paid to us. This service is FREE. We will never – nor will any partner – contact you by any means to request money or the purchase of products in advance of your loan funds being credited. To learn more about cold-callers see our fraud protection guidance.

What is a short-term or payday loan?
A short-term and pay-day lender are those that fall under the definition of a high-cost short-term lender. The FCA have defined these lenders as:
– a lender who quote an APR is equal to or exceeds 100%
– provided the credit for a period of a maximum of 12 months and repayments of the loan is to be made within a maximum of 12 months of the date on which the credit is advanced.
– a high-cost short-term lender must not charge alone or in combination with any other charge under the agreement a payment exceeding or are capable of exceeding 0.8% of the amount of credit provided under the agreement calculated per day from the date which the borrower receives the credit
– excluded lenders are those whom offer their products as either:
i) a home credit loan agreement (home collected credit); or
ii) a bill of sale loan agreement (a logbook loan)

Can I apply for a loan?
If you are over 18, a UK resident and pay more than £500 of wages each month into a UK bank account you can apply for a loan.

How do I apply?
This is the really easy bit because you can do it 24 hours a day, 7 days a week from anywhere. And our lenders work as hard as we do so even at the weekend you could get the loan you need. If you are approved you will be transferred to the lender’s website to complete the process and your lender may need a few more details. Then you can finalise everything online.

The APR seems high.
The regulations that govern financial firms like Cash 4 Loans mean we must use APR to compare loans. However, this figure is designed to compare loans taken out over a much longer period of time than short-term or payday agreements. We are confident we find the very best deals on the market for our customers.
How do I pay back my loan?
The lender will take the money owed via direct debit on the due date.

Do you use credit scoring?
We do. By entering into the application process you consent for our lenders to run a credit check.

How will I get the money?
It will be paid directly into your bank account.

And the service you offer is free?
Cash 4 Loans is paid solely by commission from the lenders and no one from Atlantic Square Limited will contact you requesting payment. 

I want to stop the texts and emails from you?
You agreed to receive marketing communications from us during the application process but you can stop it at any time. Just click the unsubscribe link on one of our emails, text ‘STOP’ in reply to a SMS message or visit the SMS Opt Out link at the bottom of the Home Page. The messages will stop in around 48 hours.
Need something else? Visit our Support Centre. If you need to write to Cash 4 Loans this is our postal address: 1st Floor, 2 Woodberry Grove, Finchley, London, N12 0DR.

What if I can’t pay?
Immediately CALL YOUR LENDER. The sooner they know the sooner they can help. This is the best way to sort your problem out. Need more help? Try these organisations:StepChangewww.stepchange.org0800 138 1111Money Advice Servicewww.moneyadviceservice.org.uk0300 500 5000National Debtlinewww.nationaldebtline.org0808 808 4000

The lenders we work with pay us commission for matching the right customers with them. Cash 4 Loans is a broker, we do not lend money. Our sophisticated system uses unique algorithms to match your needs to what lenders are offering. This means you get the very best deal. It works by analysing your details, your preferred agreement and the available products. The commission paid to us is not part of the analytics.

This service is FREE. We DON’T charge our customers a fee. You can be assured that Cash 4 Loans won’t contact you and ask you to send money or buy goods before you receive your loan. And our financial partners will never contact you either. To find out more about cold-callers please see our fraud protection guidance page.


Instant cash loans from £80 to £750

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Consumer Advisory: Cash 4 Loans is a loan matching service. Once your application is successful we submit your information to lenders. Once you are in contact with a lender they may require more information from you.

We are not a direct lender. Terms and conditions of any loan will differ depending on lenders. Missed and late repayments might result in larger fees and interest rates. Not all lenders offer loans up to £750. Not all applicants will qualify for the amount they requested. Collection services may be used for non-payment of loans.

We do not directly lend money, we provide a FREE loan matching service to the public.

Representative 1223.6% APR

Representative Example: 1223.6% APR variable. £100 borrowed over 30 days would equal total borrowing of £124.00. Actual Interest is 24%.

Note: the APR you pay may differ depending on the lender that accepts you.

© Atlantic Square Ltd 2012 | Registered In England No. SC182075 is authorised and regulated by the Financial Conduct Authority. Interim Permission Number: 659330. Data Protection Reg: ZA007304

*Fund transfer times may vary based on the matched UK money lender, time of day applied and your bank.