Borrowed twice from C4UN whilst repairing my credit. Their underwriting team is thorough in my experience. My score was less than desirable when I took out my first loan, however, they examined my inc... See more
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See what reviewers are saying
Applied for loan in April 2022 as I needed to buy some computer parts for my PC, which I paid off in the next 3 months. The loan was approved within 30 mins and the money was in my account within the... See more
Company replied
Would have been 5 stars apart from trying to update payment details and the online link not working and call centre staff talking amongst themselves whilst I'm trying to make my final payment.. other... See more
Company replied
Much better experience this time as needed funds on the day and all processed within a few hours. 4 star only because interest rates higher than I would ideally like but needed urgently. Very helpful... See more
Company replied
3.9
Great
1K reviews
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applied accepted no cash
I had to come back to rewrite my review.
Even though I was accepted for the loan, I have since cancelled and requested the cash not be deposited to my account.
The main reason is that i applied for this loan was accepted however the next morning I signed into my email account to find a Fraud alert from a credit reference agency im signed up to, so i log in a sure enough there it is these guys had hard searched me twice as well as soft searching twice also,,, for this reason alone I would never recommend these to anyone as its obvious the couldn't care less about 1 actually issuing a loan and 2, they don't care about there job or customers credit files....
Im sure this is a scam company the whole outfit seems abit off.
So they have acknowledged me, will see what comes of it, yet to receive an email directly... and yes I understand the procedure however 2 hard checks and 2 soft checks are clearly visible on my credit file and emails from credit reference report saying it looks like fraudulent behaviour.
17 February 2023
Unprompted review
Reply from Cash4unow
Dear Aaron/Claire,
We have contacted you via e-mail. We will await your reply.
Many thanks,
Cash4UNow.
Dear Aaron/Claire,
Thank you for sharing your experience with us. I'm sorry that you haven't received the level of service we strive to achieve.
We are obliged under the Financial Conduct Authority (our regulators) to carry out specific checks to ensure that a loan is affordable for our potential or returning customers. Upon application, initial checks are completed, and a soft search is carried out of your credit file. In some cases, applications are sent for additional checks; at this point, a decision in principle is provided. Additional checks are needed to assess any potential or returning customer's eligibility for the loan they have applied for. At this stage, we require a hard search to be completed in order to assist us with our checks.
You have stated we have placed two hard searches on your credit file, we would like to investigate this immediately to understand the situation. I have located your details and will investigate this matter. We will contact you directly once our investigation has concluded.
Please rest assured, we are a reputable business, regulated by the Financial Conduct Authority (FCA). You can verify this by visiting the FCA website and search for our FCA reference which is: FRN 672320
We look forward to speaking with you.
Many thanks,
Cash4UNow.
Borrowed twice from C4UN…
Borrowed twice from C4UN whilst repairing my credit. Their underwriting team is thorough in my experience. My score was less than desirable when I took out my first loan, however, they examined my income/expenditure properly so I was able to declare a backpay + increase in wages due the following month. I only borrowed small amounts due to the bad reviews + golden rule, only borrow what you need. I don't think customers have anything to worry about if you can afford to repay your loan. Thanks for your help C4UN!
16 February 2023
Unprompted review
Reply from Cash4unow
Hi Flourish,
Thank you for taking the time to write a review. We are so pleased you were happy with our service.
Many thanks,
Cash4UNow
Great fast extremely efficient service
15 February 2023
Unprompted review
Reply from Cash4unow
Dear Antony,
Thank you for your positive review, I will be sure to pass this on to our Team.
Kind Regards,
Cash4unow.
5 Star Company ⭐️⭐️⭐️⭐️⭐️
Great company, keeps you informed with all the process and fast payout ⭐️⭐️⭐️⭐️⭐️
6 February 2023
Unprompted review
Reply from Cash4unow
Dear Matthews,
Thank you for leaving such positive feedback, our Team really like to hear where they have been helpful and I will ensure your positive review is passed on to them.
Kind Regards,
Cash4unow
IMPOSSIBLE TO COMMUNICATE WITH
AVOID - have requested settlement figure and statement of account on numerous occasions but been ignored. There is no summary of borrowing showing online . If you email they will not reply . Trying to set up a repayment plan but being plagued with telephone messages up to 5 times per day despite having informed them of my circumstances. Am now resorting to reporting them to the FOS .
31 January 2023
Unprompted review
Reply from Cash4unow
Hi there,
Thank you for sharing your experience, we’re sorry to read of this. We are keen to grasp a full understanding of what happened so we have requested for you to share some information with us. Please note, when a customer e-mails us, they will receive an automated response to advise we will come back to you within 5 working days. If your query is urgent, we would ask that a customer contacts us via telephone. I understand you have stated you have made us aware of circumstances, when you receive the email from TrustPilot to share further information. we would kindly ask you do so so we can investigate this issue and resolve this for you. We hope to hear from you. Kind regards, Cash4UNow.
Reply from Cash4unow
Dear Carina,
Thank you for taking the time to leave a positive review, it's good to know we have been able to help.
Kind Regards,
Cash4unow.
Fast and simple process online and staff are fantastic over the phone.
Fast and simple process online
Spoke to a young lady at underwriting and she was fantastic.
23 January 2023
Unprompted review
Reply from Cash4unow
Dear Phil, thank you for leaving such positive feedback, our Team really like to hear where they have been helpful and I will ensure your positive review is passed on to them. Kind Regards, Cash4unow
Reply from Cash4unow
Dear Elle, thank you for taking the time to leave us a positive review and I am really pleased we were able to help you. Kind Regards, Cash4unow.
Well this was my first time to be…
Well this was my first time to be honest I was not really expecting I would have been approved 😅
I got the email and checked my account although I had to call for confirmation nice lady on the phone spoke to me politely
Keep up the good work
20 January 2023
Unprompted review
Reply from Cash4unow
Dear Nancy, thank you for your positive review, I will be sure to pass this on to our Team. Kind Regards, Cash4unow.
Small loan
Applied for a small loan and for whatever reason the application wasn't allowing me past a certain point. I called the underwriting team who were extremely helpful and provided me with a further link to access the application. I submitted the application and was accepted. Funds into my account the following day. Very polite staff, no hassle and no fuss.
18 January 2023
Unprompted review
Reply from Cash4unow
Dear Robbie,
Thank you for taking the time to leave a positive review, it's good to know we have been able to help, I will be sure to pass this on to our Team.
Kind Regards,
Cash4unow.
Really easy to deal with
Really easy to deal with, had no problems at all. Money was on the account really fast as well!
6 January 2023
Unprompted review
Reply from Cash4unow
Dear Emma, thank you for taking the time to leave us a positive review and I am really pleased we were able to help you. Kind Regards, Cash4unow.
AVOID! AVOID! AVOID - TOTALLY USELESS!!!
I was approved for a loan at 9.17am this morning, its now 2pm and still waiting for the money to be paid out!!!
Update: Now 4.pm and still waiting!!
Now these jokers have emailed me to say that the loan is now not approved, this is after they approved it this morning! What an absolute joke of a company they are, they have wasted my whole day waiting for this money to be paid into my account! AVOID AVOID AVOID!!!!!
9 January 2023
Unprompted review
Reply from Cash4unow
Dear Siobhan,
We're sorry to hear you are unhappy you have not been accepted for a loan with Cash4UNow on this occasion. We are obliged under the Financial Conduct Authority (our regulators) to carry out specific checks to ensure that a loan is affordable for our potential or returning customers. Upon application, initial checks are completed. If we are unable to confidently provide a loan based on this information, the application will either be declined, or sent for additional checks; at this point, a decision in principle is provided. Please note this is not confirmation of a loan approval. Additional checks are needed to assess any potential or returning customer's eligibility for the loan they have applied for. Unfortunately, we are not always able to provide loans to all new or returning customers. If you would like further information regarding this, please follow this link: https://www.cash4unow.co.uk/faqs.
Kind Regards, Cash4UNow.
Money came in fast
Money came in fast. The interest is so high though, but you know what you are paying when you sign up.
If you think you will be late making a payment, ring them as they wont reply to emails.
18 October 2022
Unprompted review
Reply from Cash4unow
Dear customer,
Thank you for taking the time to leave a review for Cash4unow. We are glad we have been able to help.
When emailing Cash4unow, customers receive a bounce back advising it can take up to 3-5 working days for a response. If customers have urgent queries or need to contact us regarding upcoming payments, we would always urge them to call one of our trained advisors.
Kind regards,
Cash4unow.
Loan finalized within an hour
Very little information required - bank account was checked to verify regular income and then loan was paid out within an hour.
5 January 2023
Unprompted review
Reply from Cash4unow
Thank you for your positive review, I will be sure to pass this on to our Team. Kind Regards, Cash4unow.
Customer service via email is very slow…
Customer service via email is very slow and non existence
30 December 2022
Unprompted review
Reply from Cash4unow
Dear Stuart,
Thank you for sharing your experience, we’re sorry to read you are unhappy with the service you have received.
Please be aware that when customers email CASH4UNOW, they usually receive a bounce back advising they will receive a response within 5 working days. If a customers query is urgent they are asked to call the office to speak to one of our trained advisors.
If you require help with a query or have any questions, please contact the Underwriting or Collections team on 0113 887 3434, or email info@cash4unow.co.uk and a member of the team will aim to respond within 5 working days.
Kind regards,
CASH4UNOW
I don’t get some of bad opinions
I don’t get some of bad opinions. I have few loans in past and always everything was ok. Even when I needed to move payment few days later there was no problem. Sure interest rates are high but you know what you getting.
20 December 2022
Unprompted review
Reply from Cash4unow
Dear Borys, thank you for your positive review, I will be sure to pass this on to our Team. Kind Regards, Cash4unow.
Quick and reliable a very professional…
Quick and reliable a very professional service.
19 December 2022
Unprompted review
Reply from Cash4unow
Dear Clifford,
Thank you for taking the time to leave us a positive review.
We are really pleased we were able to help you. Thank you for choosing Cash4UNow.
Kind regards,
Cash4UNow.
Easy app and online info to use
Easy app and online info to use. Quick and professional service.
18 December 2022
Unprompted review
Reply from Cash4unow
Dear Julia,
Thank you for taking the time to leave us a positive review. I am really pleased we have been able to help you. Thank you for choosing Cash4UNow.
Kind Regards,
Cash4UNow.
Honestly the best experience I’ve had…
Honestly the best experience I’ve had with small loan companies. Don’t get me wrong the repayment is higher - but that’s how it is for these things. The staff are knowledgeable and nice. If not a little bit exhausted probably from people screaming at them. But they’ve always done their maximum when I’ve called and are really helpful. Repayment is straightforward and easy, really like it just comes out on my payday to avoid and issues. I think it’s a good platform for poor credit rebuild and the people that work here are genuinely just nice people. Even paying back at loan at a higher APR I’m happy to because of the good service. I think the bad reviews are because they enter a call already raging and expect the staff to just beckon to them and allow being spoken to like crap. As staff for a loan company they need to be firm and forward - their job isn’t to entirely please you no matter what. Out of all the companies I’ve had a loan off this has by far been the best and will continue when I need to borrow again.
10 August 2022
Unprompted review
Reply from Cash4unow
Dear Tyler, thank you for leaving such positive feedback, our Team really like to hear where they have been helpful and I will ensure your positive review is passed on to them. Kind Regards, Cash4unow
Excellent conditions relating to loans…
Excellent conditions relating to loans and payment plans.
I did everything online and didn’t have to talk to someone to help me with the loan application.
The payment process and the reminders are above all really helpful.
Happy to be associated with you.
30 November 2022
Unprompted review
Reply from Cash4unow
Dear Charles, thank you for taking the time to leave us a positive review and I am really pleased we were able to help you. Kind Regards, Cash4unow.
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