About Us - all about who we are and what we do at CASH4UNOW.CO.UK

Launched in early 2011, we are an independent Instalment Payday Loan company based in the UK. We believe that people should have more options to help manage their budgets, so we want to bring the short-term Payday lending world forward with our flexible and responsible approach to loan lending.

From 2nd January 2015, in accordance with the Financial Conduct Authority's (FCA) price cap regulations, interest is capped at 0.8% per day, default charges are capped at £15 and the total interest and fees charged on a loan can never exceed 100% of the amount borrowed.

What makes us a responsible lender?

Flexible short term loans

Sometimes you need to take longer than a one month Payday Loan to cover your repayments. We offer Instalment Payday loans which spread repayments between four or six months, helping to relieve the stress on your monthly finances.

Our rates and conditions are completely transparent, we don't believe in making money from continuously extending a line of credit, and with competitive rates available we think you will be happy with our service from start to finish.

With fee-free early repayment available at any time during your loan period, if you do want to pay your payday instalment loan early, just call and speak to one of our advisers.

Our offices and call centre are fully UK based

Our commitment to responsible lending means we think it's important for you to speak to a real person in the UK, have the opportunity to ask questions about our payday loans and receive a personal service from our trained advisers.

How can we help you?

These days it can be easy to find yourself needing more options to manage your budget. We can give you the extra help you need with the flexibility you want.

Do we charge any fees?

If you do not make an instalment payment when it falls due, or your instalment payment is declined by your bank, we will contact you to find out why the payment has failed. A missed payment fee of £5 will be added to your account the day after the repayment date if you do not make your payment on time. Up to 3 missed payments may be applied. We will not charge you more than £15 in total default fees. In addition, you may be charged default interest at the fixed rate as shown in your loan agreement on the outstanding principal if your loan is in arrears subject to the application of the rate cap.

Company Details

CASH4UNOW.CO.UK is a trading name of Novaloans Ltd, a company registered in the UK at Companies House with company number 07639288. Our registered office is 7 Limewood Way, Leeds, LS14 1AB. We are fully UK owned and managed with UK based call centres and processing teams.

CASH4UNOW.CO.UK is authorised and regulated by the Financial Conduct Authority, FRN 672320. You can confirm our registration on the Financial Conduct Authority’s website http://www.fca.org.uk/ or by contacting the Financial Conduct Authority on 0800 111 6768.

Our Data Protection number is Z2724368.