Short-term loans
in Oxford

Finance and life in Oxfordshire

Oxford’s economy sits at two distinct levels. The upper tier is anchored by the University of Oxford, Oxford Brookes, the NHS clinical research network, and the BMW MINI plant at Cowley — employers that attract well-paid graduate professionals and skilled manufacturing workers. The lower tier is a large service economy of retail, hospitality, cleaning and care workers who keep the city running on wages that bear little relation to Oxford house prices.

The result is that Oxford consistently ranks as one of the least affordable places to live in the United Kingdom outside London. Average private rents have pushed well beyond what lower-to-middle income workers can comfortably afford, and many renters in Cowley, Blackbird Leys, Rose Hill and Barton find themselves spending half or more of their take-home on housing alone. Common borrowing triggers include a rent deposit when moving to a different part of the city, an unexpected car repair (essential in areas poorly served by public transport), dental or medical costs, or simply bridging the gap between payslips when a bill lands at the wrong point in the month.

Cash Train lends to eligible borrowers across all OX postcodes — from Oxford city centre and Cowley to Abingdon, Witney, Bicester and the wider Oxfordshire area.