The story behind the train
Building a better short-term loan for people who need help — not a lecture.
When life throws a surprise, you shouldn’t be left guessing
Unexpected bills. Boiler breakdowns. A gap between paydays. Life doesn’t wait, and neither should access to credit when you genuinely need it.
Cash Train was built to be the honest short-term lender — clear about every penny before you sign, fast enough to actually help, and committed to responsible lending. Cash Train is not authorised or regulated by the Financial Conduct Authority.
No hidden fees. No rollovers. No traps. Just a fixed loan, a fixed repayment schedule, and a team that wants you to pay it back on time and move on.
The kind of thing that brings people to us
Not glamorous. Not holidays. Genuine emergencies where a short-term loan is the practical answer.
Boiler breakdown
It packed in mid-January. The repair quote is £680. Can't wait two weeks for the savings to build up — two kids in the house.
Car repair
Wheel bearing needs replacing. Without the car, can't get to the job that pays for everything else. Time matters.
Deposit overlap
Old tenancy deposit hasn't come back yet. New landlord wants theirs now. Classic cashflow gap — timing, not financial trouble.
Vet bill
The cat needed emergency surgery. The care doesn't wait for a bank meeting. Neither should the money.
Appliance failure
Washing machine died. Family of four. Laundrette every day isn't practical — neither is waiting six weeks to save up.
Unexpected tax bill
Self-employed. HMRC bill came in higher than the set-aside. Needs to be paid now, income expected next month.
Cash Train is high-cost credit — it is not cheap, and it is not designed for planned spending, lifestyle purchases or debt consolidation where a lower-rate product exists. If you\'re in persistent debt or financial difficulty, please contact MoneyHelper or StepChange for free advice before applying.
How we got here
Credicorp Limited incorporated
The lending entity behind Cash Train, Credicorp Limited (company no. 16093826), is incorporated in England & Wales and begins building its consumer credit platform.
Cash Train brand & platform built
CM Beyer Limited registers the Cash Train trade mark. The lending platform, consumer portal, and this marketing site are built and launched.
Launch — first loans issued
Cash Train opens for applications as an unregulated lender. The calculator reflects the actual rates customers will see from day one.
Credicorp Limited
Cash Train loans are underwritten and funded by Credicorp Limited — incorporated 21 November 2024 (company no. 16093826), not authorised or regulated by the Financial Conduct Authority for consumer credit lending.
Credicorp’s technology processes affordability, income and credit data quickly to give people a fair answer in minutes, not days. Cash Train is the consumer-facing brand — giving that same capability a simpler, friendlier face.
Visit Credicorp →Built with your rights in mind
Consumer Credit Act
Cash Train is not authorised or regulated by the Financial Conduct Authority. We operate as an unregulated lender. All loan terms are set out clearly before you sign, and you can repay early at any time.
Financial Ombudsman Service
If you’re unhappy with how we handle your complaint, contact us at [email protected]. We will acknowledge within 24 hours and aim to resolve within 8 weeks. As an unregulated lender, the Financial Ombudsman Service does not apply.
Transparent pricing
We show you the total repayable, monthly payment and APR before you sign. The cost never changes after you sign — no variable rates, no balloon payments.
Responsible lending
We assess affordability on every application. If we believe the loan would cause you financial difficulty, we will decline. We also signpost free debt charities if you’re struggling.
Company information
Cash Train
- Trading name of CM Beyer Limited
- CM Beyer Limited — company no. 17009212
- Cash Train™ — trade mark of CM Beyer Limited
- [email protected]
Credicorp Limited
- Company no. 16093826
- Incorporated 21 November 2024
- Suite AU31848, 9 Skyport Drive, Harmondsworth, West Drayton UB7 0LB
- Unregulated lender
Important: Cash Train is not authorised or regulated by the Financial Conduct Authority. Cash Train is an unregulated lender. This means the protections available under the Consumer Credit Act 1974 and the Financial Ombudsman Service do not apply to your agreement. Borrowing money involves risk — Cash Train loans are available to UK residents aged 18 and over, subject to affordability assessment and our lending criteria. Please only apply if you can afford the repayments.
Our values
Speed
Nobody should wait three days to find out if they can borrow. We measure decisions in minutes, not working days.
Transparency
Your total repayable is shown before you sign, and it never changes. What we quote is what you pay.
Responsibility
We check affordability on every application. If a loan isn't right for you, we'll tell you — and point you to free help.
Fairness
We lend to real people in real situations. Our decisions are based on your current circumstances, not a number from a decade ago.
About Cash Train — common questions
Ready to apply?
Soft search first — no impact on your credit score at quote stage. 18+ UK residents only.