How It Works

Reliable lending when you need us most

Keeping it simple

How it works

1
 Fill in the contact form and a local agent will be in touch to arrange a home visit. You must be able to provide valid Identification 18+ only and provide proof your address and income.
2
Your Agent will then capture your Proof of Income and carry out a detailed affordability assessment. Upon a successful application our agent will then return to discuss loan options with you to best suit the needs of your loan.
3
If you are satisfied with the product information supplied and fully understand your loan (i,e how much you will pay weekly and the total amount payable) your agent will hand over your cash loan there and then or have it transferred to your account.

Repayments are then made weekly either through an automatic repayment "CPA" (continuous payment authority from your debit card.) by bank transfer or cash collection by your Agent at the door. 

When It doesn't work

Things to think about before applying for a loan

Take a break

Take a break from borrowing and instead save towards your purchase. This will save you money on interest charges

Debt Advice

You should consider if you need

independent FREE debt advice. Your Agent & our website can provide details.

Consider Alternatives

Negotiate with creditors or local governments if paying for a bill. Can you access credit that is a cheaper alternative?. Both will save you money and interest.

Disposable Income

You should only proceed if you feel your repayments will not cause you financial difficulties, like being able to afford everyday essentials

Notify

Notify us of any physical or mental vulnerabilities that enables us to ensure you receive the right support & advice.

Satisfied

Are you satisfied Handy Cash has carried out a reasonable and proportionate assessment of your incomings an outgoings. Have you been truthful about your existing debts at time of application.

Representative Example

Total Amount of Credit - £200 | Duration of agreement - 15 Weeks | Interest Rate - 142.52% per annum fixed | 15 weekly repayments of £18.80 | Total Amount payable - £282 | Representative 956.50% APR 
“Handycash are a brilliant company with no hassle. Jen came round did the application and popped back the next day to issue the loan,easy to do from start to finish,I would recommend this company to any one looking for a loan”
ColleenB-23,Denny
“Getting a loan was fast,efficient and professional. Tracy came out and explained about the loan and answered any queries we had. I was quite surprised at the low repayments and having the option to spread our loan over a set time.Great service”
AlexandraM-61,Livingston
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