Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk. You can compare our loans to other short-term lenders.
New customers can borrow up to £300. Existing customers can apply through the Customer Portal or by contacting their Agent.
Representative example: Total Amount of Credit – £200.00 · Duration – 25 weeks · Interest Rate – 122.20% per annum fixed · 25 weekly repayments of £12.70 · Total Amount Payable – £317.50
Applying won't affect your credit score.
Not all applications will be approved. An offer of credit is subject to status and affordability checks.
Straightforward lending, built around fair service and local support.
A local company run by people who care—because to us, you're not just a number, you're part of our community.
Because we believe in fair and transparent lending, helping you stay in control of your finances without unnecessary penalties.
Authorised and regulated by the FCA, committed to fair treatment and positive customer outcomes.
Quick, easy, and hassle-free same day loans to fit your needs.
Cash delivered to your door or sent straight to your bank, with a friendly agent on hand to help every step of the way.
Friendly, straightforward service from application through to receiving your loan.
“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 anyone looking for a loan.”
ColleenDenny
“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.”
AlexandraLivingston
“Brilliant company! The whole process was super easy. Robert came round, helped with the application, and the cash was delivered the next day. Highly recommended for anyone looking for a reliable loan service!”
MargaretStirling
Three clear steps, with a local agent available to help along the way.
Choose how much you want to borrow and submit your loan application and most recent bank statement by clicking “Apply Here”. We aim to get back to you the same day.
If your application has been approved in principle, your local agent will be in touch to complete your affordability assessment and capture your identification and address details.
You will receive your loan within 24 hours of application, providing you fully understand your loan terms—including weekly payments and the total amount payable. Your agent will either issue your cash loan immediately or arrange a transfer to your account.
Clear loan options designed around real people and manageable repayments.
New customers can borrow from £100 to £300. Existing customers can borrow from £100 to £1,000. However, it’s important to borrow only what you need and can comfortably repay within the designated repayment period.
We think people are more than their credit score, which is why we consider people with bad credit too. Before applying for a bad credit loan, do your research and compare the interest rates and terms.
A quick loan offers fast approval and funding, often within hours of applying. In most cases, you can get the money the same day. You can apply for a quick loan and find out a decision the same day.
Plain-English information to help you make a more confident decision.
Handy Cash loans are a payday loan alternative. Our short term loans range from £100 to £300 for new customers and from £100 to £1,000 for existing customers. If approved, we’ll send the money to your bank or provide cash at your doorstep. Unlike a payday loan, you can repay over six months rather than on your next payday.
At Handy Cash, we understand that bad credit can happen to anyone. That’s why we consider people with less-than-perfect credit for a loan. Apply for a bad credit loan with us today and get a decision the same day.
See how our local, personal approach makes borrowing clearer from the very beginning.
Quick answers about costs, eligibility, repayments and changing your mind.