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Warning: Late repayments can cause you serious money problems. For help, go to
moneyhelper.org.uk. We are a broker not a lender.

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MONEY CUB


LOANS THAT HELP WITH
THE BEAR NECESSITIES


FROM £100 TO £5,000


Apply now

Representative example: if you borrow £550 over 18 months at a flat rate of 180%
per annum (fixed) with a representative 770% APR you will make 18 monthly
payments of £113.06, repaying £2,035.08 in total. Rates from 45.3% APR to 1721%
APR.A short term high cost loan should not be used as a long term solution. We
are a broker not a lender. We don't charge fees. We don't sell your personal
information. We may receive a commission from the lender.





GET STARTED

How our short term application process works


ONLINE APPLICATION

Complete our quick online application. It only takes a few minutes.


BEAR WITH US

Wait while we search for a loan offer for you from our panel of lenders.


RECEIVE YOUR LOAN

If you're happy with your quote you could receive your loan the same day*.


MONEY CUB


APPLY FOR A SHORT TERM LOAN WITH US


Get started


HOW DO WE WORK?



As a loan broker we introduce you to one of our panel of brokers and lenders to
see if they are able to provide you with a short term loan. If you are matched
successfully with one of our panel then you are provided with the opportunity of
entering a borrowing agreement with that specific lender or broker.

Please be sure to consider all of the information provided to you by any lender
or broker before deciding to take out a short term loan. In particular you
should read any documentation and information available on their website to help
you decide whether the loan is appropriate for your circumstances. If you are
unsure or need impartial advice please visit moneyhelper.org.uk.


WHY SHOULD YOU CONSIDER MONEY CUB?

Reasons to consider applying with us



1

WE DON'T CHARGE FEES

Money Cub don't charge any fees when you apply for a short term loan.

2

QUICK APPROVAL

You could get a decision and receive your loan the same day*.

3

CONFIDENTIAL & SECURE

Our service and all of the lenders we work with are secure.


SHORT TERM LOAN RATES

An example of our loan rates

LOAN AMOUNT

£550

REPAYMENT PERIOD

18 MONTHS

TOTAL AMOUNT REPAYABLE

£2,035

Representative example: if you borrow £550 over 18 months at a flat rate of 180%
per annum (fixed) with a representative 770% APR you will make 18 monthly
payments of £113.06, repaying £2,035.08 in total. Rates from 45.3% APR to 1721%
APR.A short term high cost loan should not be used as a long term solution. We
are a broker not a lender. We don't charge fees. We don't sell your personal
information. We may receive a commission from the lender.




COMMON QUESTIONS

Money Cub frequently asked questions



ARE YOU A LENDER?

No, we are a credit broker.

DO YOU CHARGE ANY FEES FOR THE SERVICE YOU PROVIDE?

We are a free online credit brokerage. We DO NOT charge our customers a fee for
this service. No one from Money Cub or any financial partner relations;
including lenders; will ever contact you and request you to send money to them
or buy products from them in advance of receiving your loan.

To learn more about dealing with cold-calls, refer back to our fraud protection
guidance.

ARE THERE ANY LATE REPAYMENT CHARGES?

Short term loans are always a short term option. If you don't fully repay your
loan when agreed then your lender could add fees and charges to your loan that
make it more expensive. Your lender may also report to the credit reference
agencies, so if you fail to meet your repayments, your credit rating might be
adversely affected.

WHAT ARE THE COLLECTION PRACTICES?

Most lenders usually collect repayments via debit card however you may be asked
to set up a direct debit. If they have been unable to collect your repayment on
the date it's due then they will usually keep trying your card for up to 90
days. Your lenders collection practices should be outlined in their terms and
conditions.

WHY IS THE APR SO HIGH?

Most of our customers are people who can't get regular loans from a bank. The
lenders we deal with tend to have higher APR than the general mainstream banks,
however when you take a loan you can't be charged more than 0.8% per day in line
with the FCA rules, so the quicker you pay off your loan the less interest it
will cost you.

Since short-term loans are usually paid back in a shorter amount of time, the
APR is not the best way to compare our rates to those of other lenders. The sum
amount you pay back is more important to our lenders than the APR. APRs for
longer term loans tend to be cheaper because the loan payments are spread out
over a longer period of time.

We don't work with every UK lender, so you might find a cheaper loan somewhere
else.


BEFORE YOU APPLY

Money Cub checklist



OVER 18

You must be at least 18 years old

UK RESIDENT

You must be a UK resident living in the UK

VALID ADDRESS

You must have a valid UK address

UK BANK ACCOUNT

You must have a valid UK bank account

REGULAR INCOME

You must be employed and receive a regular income

ABLE TO REPAY

You must be able to repay the loan

† All loans are subject to lenders requirements and approval. The time a loan
takes to get paid out can vary from lender to lender. We will not perform a
credit check, lenders will complete a soft search when assessing your
eligibility for a loan. If you accept a lender’s loan offer, they will perform a
hard credit search. We don’t charge a fee but you should be aware that other
lenders and brokers may do so. They should let you know if they charge you a
fee.

†† Credit Information Services are provided by William Ellis Sinclair, who may
refer you to a third party provider. All providers offer a minimum free 3 day
trial, followed by a monthly cost of £10-£30. In the case of checkmyfile there
is a 30 day trial which can be cancelled anytime. We receive an introducers fee
for this service. We are unable to tell you which provider you will be referred
to in advance of your application.

Money Cub is a registered trading name of Fizzyy Ltd, registered in England and
Wales under company number 12099134, with a registered office address of Fizzyy
Ltd, 124 City Road, London, EC1V 2NX . Fizzyy Ltd is authorised and regulated by
the Financial Conduct Authority (911806) and licenced by the Information
Commissioner's Office (ZA565244).

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© MONEY CUB 2024. ALL RIGHTS RESERVED.