Quick Cash

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Representative APR

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Lending can be quick and responsible. When you need money in a hurry.

Quick cash

Many people who are against short term loans believe that lenders should not place emphasis on the speed of the loan as part of the marketing process. Regulation now make inference of ‘speed’ a trigger for having to display a representative APR on an advert. But what is really meant by “quick cash”

Historically payday lenders would lend to almost anyone. Very few credit checked customers so it was often the case that loans were given out ‘quickly’ because no real affordability checks were done. The loans that were given to customers who really shouldn’t have been lent to were then recovered in a very harsh way. The USP for these lenders was how quickly they could get the funds in your hand so you could spend them.

Nowadays, because of the vast amount of resource available from credit reference and fraud prevention agencies, which can be obtained in seconds, and an increase in technology to evaluate applications, loans really can be made responsibly very quickly.  

Quick cash loans for emergencies

When you have an emergency you need cash in your hand quickly. If you rely on your car for work and it breaks down you need the money now. It is no good waiting a week or more to get a bank loan. Therefore when used responsibly quick cash can be a lifesaver.

Where can I get quick cash?

There are companies all over the internet and the high street offering quick cash loans. Just do your research to make sure the product is right for you. If you need more than 1 pay cycle to pay it back you should really consider a short term instalment loan over a more traditional payday loan.

Quick cash from True Blue Loans

At True Blue Loans we offer loans that can be in your bank the same day. In fact if you apply during office hours and you pass all our checks without the need for documentation, we can be pretty fast too. We will however make sure that all our loans are responsibly lent even if that takes a little longer.


Helpful Quick Cash Loans Advice, Tips And Tricks


There are some times in life when people are caught in a financial pickle. Getting cash may be imperative, and a quick cash loans may be the only answer. If you read this article, you can find out more about these kinds of loans and how to use them safely and responsibly.

Before taking out these loans, make sure you have no other choices available to you. Short term loans can cost you a lot in interest and fees, so any other alternative could be a better solution for your overall financial situation. Look to your friends, family and even your bank and credit card to see if there are any other potential choices you can make.

Try not to rely on these loans to fund your lifestyle. These loans are expensive, so they should only be used for emergencies.

You should be careful of what the ‘quick’ actually means in Quick Cash Loans. It simply means that the lender will aim to get the cash to you in a timely manner. It is likely to be quicker than a bank loan which could take days, it is also likely to be quicker than a credit card. What quick does not mean is that the lender will just throw the cash at you and make bad credit loans. It also does not mean that you should take these any less seriously than any other loan. Just because you can get these quickly and relatively easily or because they are small amounts the contractual obligations should not be taken any less seriously than a £5000 loan with a bank.

So now you have decided that a quick cash loan is a good choice you now need to choose a lender and a loan type. The loans themselves come in 2 flavours. Firstly is the traditional pay day loan. These are only really suitable if you know, yes I mean KNOW, you will be able to pay everything back on your next payday. Capital, interest and any fees. Now if this is not possible then the second type of loan is the instalment loan. These allow you to spread the payment over several months. Giving a smaller repayment amount each month which may be more affordable to you. If you want to find out more about these loans then click here to visit True Blue Loans, a lender that offers 3 month loans up to 6 month loans. 

If you are in need a loan and are looking into quick cash loans, you should always avoid taking out more than one at a time. While it might be tempting to go to different lenders, it will be much harder to pay back the loans, if you have many of them.

Do not take out a loan for more than you can afford to repay. There are some companies that might want to give you more than the amount you request so you will default and incur charges. Getting you into trouble will mean more profit for them.

Read all of the terms and conditions for loan that you are considering. Make sure that you clearly understand the interest rates, and any fees that will be charged. Make sure you fully understand the amount and timings of each instalment.

So now you have your loan you need to immediately think about the repayments. It is worth making a budget plan so that you know you will not overspend. Start by noting all of your fixed monthly expenses, including your new loan. What is left is your budget for the month. This has to cover food, clothing, outings, school dinners etc. It may help to divide it into 4 so that you can plan weekly rather than monthly. The golden rule is that if you do not have enough, or have overspent in one area, you will have to reduce in another. This may very well mean missing a party or using your mobile a little less, but you will have to make these choices.

When you have paid your loan back you will be used to managing on that amount less each month. Rather than spending more, why not start a savings plan and put this amount in each month. This way if another emergency arises you will be able to borrow from here rather than paying interest to a lender.

Hopefully the information in this article has helped you learn more about loans and how they work. Make sure you understand all the terms and conditions that are involved with your loan. Your priority should include sound management of your personal financial situation.


By Kieran Moulden