3 stops to your money
Fast, simple, transparent — from application to funds in your account.
Apply in about 2 minutes
Our online form is short and direct. We ask only what we need — your personal details, income and outgoings, how much you want to borrow and for how long. No uploading documents, no phone calls.
- Name, address and date of birth
- Employment status and monthly income
- Monthly expenses and existing debt commitments
- Loan amount and preferred repayment period
- UK bank account details (bank statement requested at assessment stage if needed)
Decision in under 2 minutes
Once submitted, our decisioning system (Unregulated lender) assesses your application against our lending criteria and affordability rules. A soft search first means no credit file impact at this stage.
- Soft credit search — no footprint, no score impact
- Affordability check against your income and outgoings
- Identity and fraud prevention checks
- Real-time decision — most customers hear within 90 seconds
- Complex cases reviewed by a human underwriter same day
Money in your account today
Approved? You'll receive your personalised offer showing the exact amount, monthly payment, total repayable and APR. Accept and sign your agreement digitally. We send the money via Faster Payments.
- Personalised offer with your exact rate — no generic estimates
- Digital agreement — sign on any device
- Faster Payments to your UK current account
- Most transfers arrive the same day, often within minutes
- Repayment schedule confirmed in writing before funds are sent
After you’re funded
Everything happens inside your Cash Train account — powered by the Credicorp client platform.
Dashboard — balance, next payment date, remaining term at a glance
Early repayment — request a settlement figure and repay anytime
Payment date change — move your repayment date to suit your payday
Statements — download transaction statements for your records
Secure messaging — contact support without leaving your account
Hardship support — flag difficulty early; we have options to help
What actually happens on day one
From the moment you hit apply to funds landing in your account — here is the typical sequence for a Quick or Flex application that goes through cleanly.
You submit your application
The form is received. Identity checks begin immediately — no human is waiting to press a button.
Soft credit search runs
We request data from a credit reference agency. This is a soft search — invisible to other lenders, no impact on your score.
Affordability model runs
Your income, outgoings and requested loan are run through our affordability model against our affordability stress-testing model.
Decision reached
For most applications, the automated decision is ready within 2 minutes. You'll see the outcome on screen immediately.
Personalised offer generated
If approved, your offer is created — showing your exact loan amount, monthly payment, total repayable and APR. Not a range. The actual number.
You accept & sign digitally
Review your Pre-Contract Credit Information document and loan agreement. Sign on any device. This is your legal agreement.
Funds sent via Faster Payments
We initiate the bank transfer immediately after signing. Most UK banks receive Faster Payments within 2–120 seconds.
Money in your account
For most banks, funds appear within minutes of the transfer. Some banks may take up to 2 hours. You'll receive a confirmation email.
Timings are illustrative for a straightforward application received during banking hours. Plus tier applications may be referred to a human underwriter, adding up to 4 business hours. Faster Payments timing depends on your bank.
About the process
Representative example: Borrow £500 over 6 months. 6 monthly repayments of £95.21. Total interest £71.26. Total repayable £571.26. Representative 49.9% APR (fixed). Interest rate 40.96% per annum. Subject to status. 18+ UK residents only.