1. We are a friendly direct lender with great customer care, check out our TrustPilot reviews!
2. Your decision is made in minutes and we send payouts usually within 2 hours, 7 days a week.
3. Fast and easy online application takes just 2-3 minutes and has a very quick turnaround.
4. You can even repay early and save some money!
5. Re-apply by text after your first loan, it's as easy as that!
Q) Why isn't my application working?
A) Firstly, make sure the Cookies on your device are enabled. Use our guide here. If this still doesn't work, call our team on 0151 601 8611 (weekdays, 9am - 5pm) and we'll be happy to help!
Q) What are your opening times?
A) Customer Services are available from Monday to Friday 09:00 to 17:00.
Q) Can I repay my loan early?
A) Of course you can! And this option will also lower your overall amount of interest.
Why choose us for a short term cash loan?
Application can be completed in 2 minutes
Applications will be subject to credit vetting and affordability assessments
Money in your account on the same day!*
7 DAYS A WEEK
Find out more about our short-term loans in our FAQs.
Repay early with no penalties, interest is calculated daily.
Your loan decision is available within minutes.
Once approved our Banking Team will make a payment to your bank.
*Monday to Friday 9am to 5pm funds will be with you within 2 hours. During evenings and weekends this may take a little longer. We thank you for your patience.
How to choose a lender
The difference between a 'direct lender' and a 'broker' is simply that the broker collects your details and passes everything to the lender. The direct lender then decides if they can help you. If you choose to apply directly with a direct lender like Ferratum, everything will be handled here, from your account set up to sending the money to your bank.
You can compare different lenders at FCA approved price comparison websites: