{"id":1788,"date":"2020-02-06T10:06:15","date_gmt":"2020-02-06T10:06:15","guid":{"rendered":"https:\/\/learnbonds.com\/uk\/?page_id=1788"},"modified":"2024-04-29T11:02:15","modified_gmt":"2024-04-29T11:02:15","slug":"cash4now-review-2021-is-it-recommended","status":"publish","type":"page","link":"https:\/\/learnbonds.com\/uk\/payday-loans\/cash4unow-review","title":{"rendered":"Cash4UNow Review 2021 &#8211; Is it Recommended?"},"content":{"rendered":"<p>Are you looking to raise a bit of extra cash with the <a href=\"https:\/\/learnbonds.com\/uk\/payday-loans\">best payday loans<\/a> provider, but need a bit more time to repay the funds? If so, it might be worth considering the merits of CASH4UNOW. The online lender allows you to borrow between \u00a3150 and \u00a31,000, with loan terms starting at 4 months.<\/p>\n<p>You\u2019ll be given a maximum of 6 months to repay the money, and the funds will be taken from your debit card in equal payments when you receive your monthly salary.<\/p>\n<p>Moreover, CASH4UNOW is often able to execute a <a href=\"https:\/\/learnbonds.com\/uk\/same-day-loans\">same day loan<\/a> transfer, which is ideal if you need <a href=\"https:\/\/learnbonds.com\/uk\/emergency-loans\">emergency funding<\/a>. However, the lender is known to charge extortionate interest, with a representative rate of 1,314% APR advertised.<\/p>\n<p>As such, we would suggest reading through our in-depth <strong>CASH4UNOW Review<\/strong> prior to making an application. We\u2019ll cover everything you need to know \u2013 such as eligibility, interest rates, repayments, and customer support.<\/p>\n<div data-accordeon class=\"toc-block\">\n  <div data-accordeon-item>\n    <div data-accordeon-title class=\"toc-title-wrapper\">\n      <div type=\"button\" class=\"toc-btn toc-btn_main\">\n          <svg width=\"12\" height=\"6\" viewBox=\"0 0 14 8\" class=\"icon\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n    <path d=\"M1 1L7 7L13 1\" stroke=\"#fff\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>\n          <\/div>\n      <span class=\"toc-title\">\n        In This Guide      <\/span>\n    <\/div>\n      <ul data-accordeon-content class=\"toc-list\" style=\"display: none;\">\n          <li class=\"StepProgress-item subList-in-progress\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#what_is_cash4unow\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">What is CASH4UNOW?<\/a>\n\n          <button data-accordeon-title class=\"toc-btn\" type=\"button\">\n        <svg width=\"12\" height=\"6\" viewBox=\"0 0 14 8\" class=\"icon\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n    <path d=\"M1 1L7 7L13 1\" stroke=\"#060606\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>\n          <\/button>\n        <\/div>\n\n      <ol data-accordeon-content class=\"StepProgress-sub-list\" style=\"display: none;\" id=\"TOC1sublist-what_is_cash4unow\">\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#how_does_cash4unow_work\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"3\">How Does CASH4UNOW Work?\u00a0<\/a>\n          <\/li>\n          <\/ol>\n  <\/div>\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#how_do_i_repay_my_cash4unow_loan\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">How do I Repay my CASH4UNOW Loan?<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#how_much_do_cash4unow_loans_cost\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">How Much Do CASH4UNOW Loans Cost?<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item subList-in-progress\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#am_i_eligible_for_a_cash4unow_loan\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Am I Eligible for a CASH4UNOW Loan?<\/a>\n\n          <button data-accordeon-title class=\"toc-btn\" type=\"button\">\n        <svg width=\"12\" height=\"6\" viewBox=\"0 0 14 8\" class=\"icon\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n    <path d=\"M1 1L7 7L13 1\" stroke=\"#060606\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>\n          <\/button>\n        <\/div>\n\n      <ol data-accordeon-content class=\"StepProgress-sub-list\" style=\"display: none;\" id=\"TOC1sublist-am_i_eligible_for_a_cash4unow_loan\">\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#customer_service_at_cash4unow\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"3\">Customer Service at CASH4UNOW<\/a>\n          <\/li>\n          <\/ol>\n  <\/div>\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#cash4unow_the_verdict\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">CASH4UNOW: The Verdict?<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#faq\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">FAQ:<\/a>\n\n        <\/div>\n\n    <\/li>      <\/ul>\n  <\/div>\n    <ul data-accordeon-content class=\"toc-list\" style=\"display: none;\">\n        <li class=\"StepProgress-item subList-in-progress\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#what_is_cash4unow\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">What is CASH4UNOW?<\/a>\n\n          <button data-accordeon-title class=\"toc-btn\" type=\"button\">\n        <svg width=\"12\" height=\"6\" viewBox=\"0 0 14 8\" class=\"icon\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n    <path d=\"M1 1L7 7L13 1\" stroke=\"#060606\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>\n          <\/button>\n        <\/div>\n\n      <ol data-accordeon-content class=\"StepProgress-sub-list\" style=\"display: none;\" id=\"TOC1sublist-what_is_cash4unow\">\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#how_does_cash4unow_work\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"3\">How Does CASH4UNOW Work?\u00a0<\/a>\n          <\/li>\n          <\/ol>\n  <\/div>\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#how_do_i_repay_my_cash4unow_loan\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">How do I Repay my CASH4UNOW Loan?<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#how_much_do_cash4unow_loans_cost\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">How Much Do CASH4UNOW Loans Cost?<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item subList-in-progress\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#am_i_eligible_for_a_cash4unow_loan\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Am I Eligible for a CASH4UNOW Loan?<\/a>\n\n          <button data-accordeon-title class=\"toc-btn\" type=\"button\">\n        <svg width=\"12\" height=\"6\" viewBox=\"0 0 14 8\" class=\"icon\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n    <path d=\"M1 1L7 7L13 1\" stroke=\"#060606\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>\n          <\/button>\n        <\/div>\n\n      <ol data-accordeon-content class=\"StepProgress-sub-list\" style=\"display: none;\" id=\"TOC1sublist-am_i_eligible_for_a_cash4unow_loan\">\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#customer_service_at_cash4unow\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"3\">Customer Service at CASH4UNOW<\/a>\n          <\/li>\n          <\/ol>\n  <\/div>\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#cash4unow_the_verdict\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">CASH4UNOW: The Verdict?<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#faq\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">FAQ:<\/a>\n\n        <\/div>\n\n    <\/li>    <\/ul>\n<\/div>\n\n                                        <div class=\"inContentProviderSingle inContentColor--learnbonds fc-row\">\n                        <div class=\"inContentProviderSingle--wrapper\">\n                            <div class=\"container\">\n                                <div class=\"row mb-lg-3\">\n                                    <div class=\"col-12 col-md-8\">\n                  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<\/div><!--\/.container-->\n                        <\/div><!--\/.inContentProviderSingle--wrapper-->\n                    <\/div><!--\/.inContentProvider--single-->\n                            \n            \n<p>\u00a0<\/p>\n<p><em><div class=\"su-note\"  style=\"border-color:#e5e54c;border-radius:3px;-moz-border-radius:3px;-webkit-border-radius:3px;\"><div class=\"su-note-inner su-u-clearfix su-u-trim\" style=\"background-color:#FFFF66;border-color:#ffffff;color:#333333;border-radius:3px;-moz-border-radius:3px;-webkit-border-radius:3px;\"><i class=\"omsc-icon sui sui-info-circle\" style=\"\"><\/i> Although spreading your payday loan payments over 4-6 months might free-up a bit more cash at the end of each month, this is going to amplify the overall interest that you pay back. As such, consider repaying the loan off much sooner to reduce the interest! <\/div><\/div><\/em><\/p>\n<h2 id=\"what_is_cash4unow\">What is CASH4UNOW?<\/h2>\n<p><span style=\"font-weight: 400\">CASH4UNOW is an online lender that specializes in payday loans. However, unlike other payday loan companies active in the space \u2013 such as <a href=\"https:\/\/learnbonds.com\/uk\/payday-loans\/drafty-loans-review\">Drafty Loans<\/a> and <a href=\"https:\/\/learnbonds.com\/uk\/payday-loans\/loanpig-review\">LoanPig<\/a>, CASH4UNOW allows you to repay the funds over a longer period of time. This starts with a minimum term of 4 months, up to a maximum of 6 months. On the one hand, this can be beneficial if you don\u2019t have the required funds to repay the loan off in its entirety when you next get paid.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">However, with the lender known to charge high rates of interest, you could end up paying almost double the amount you borrow. In fact, CASH4UNOW advertises a representative rate of 1, 314% on its website, which is sky-high. As is the case with most representative rates, this is the amount that the lender wishes to <em>market<\/em>, so you could end up paying even more.\u00a0\u00a0<\/span><\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-1789\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/02\/images-4.jpeg\" alt=\"Screengrab of the Cash4UNow homepage\" width=\"568\" height=\"257\" srcset=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/02\/images-4.jpeg 630w, https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/02\/images-4-300x136.jpeg 300w\" sizes=\"(max-width: 568px) 100vw, 568px\" \/><\/p>\n<p><span style=\"font-weight: 400\">Nevertheless, the platform allows you to borrow a minimum of \u00a3100, up to a maximum of \u00a31,000. However, first-time customers are capped to <a href=\"https:\/\/learnbonds.com\/uk\/short-term-loans\">short-term loans<\/a> of \u00a3600. If you take out a loan with CASH4UNOW and repay it back on time, you will then be able to apply for a larger amount.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">The application process itself is completed online or via your mobile phone, as the lender does not operate any physical branches. This means that you should receive a decision on your loan application in less than a few minutes of submitting it. If you\u2019re approved on the spot, you could receive the funds later in the day.<\/span><\/p>\n<div class=\"su-note\"  style=\"border-color:#EFEFEF50;border-radius:3px;-moz-border-radius:3px;-webkit-border-radius:3px;\"><div class=\"su-note-inner su-u-clearfix su-u-trim\" style=\"background-color:#EFEFEF50;border-color:#EFEFEF50;color:#333333;border-radius:3px;-moz-border-radius:3px;-webkit-border-radius:3px;\">\n<h3><strong>What are the Pros and Cons of CASH4UNOW?<\/strong><\/h3>\n<div class=\"su-row\"><div class=\"su-column su-column-size-1-2\"><div class=\"su-column-inner su-u-clearfix su-u-trim\">\n<p><strong>CASH4UNOW Pros:<\/strong><\/p>\n<p>\u2705Offers short-term loans of between \u00a3100 and \u00a31,000<\/p>\n<p>\u2705Allows you to repay the funds between 4-6 months<\/p>\n<p>\u2705Approved applicants might receive the funds later in the day<\/p>\n<p>\u2705The entire application can be completed online<\/p>\n<p>\u2705Early repayment possible without additional fees<\/p>\n<\/div><\/div>\n<div class=\"su-column su-column-size-1-2\"><div class=\"su-column-inner su-u-clearfix su-u-trim\">\n<p><strong>CASH4UNOW Cons:<\/strong><\/p>\n<p>\u274c Huge representative rate of 1,314%<\/p>\n<p>\u274c Unable to check eligibility via a soft credit check<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div>\n<h3 id=\"how_does_cash4unow_work\">How Does CASH4UNOW Work?\u00a0<\/h3>\n<p><span style=\"font-weight: 400\">CASH4UNOW operates largely the same as any other payday loan company present in the online space. Without any physical branches, everything needs to be completed online. To get the ball rolling, you\u2019ll need to head over to the CASH4UNOW website and choose the amount you wish to borrow, and whether you want to repay the loan in 4 or 6 months. You then need to enter the date in which you receive your monthly salary, before clicking on the \u2018APPLY NOW\u2019 button.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Next, you\u2019ll be taken to the main application page. Once again, the process is largely the same as any other online financing application, insofar that you will need to enter some personal information. This covers your first and last name, home address, date of birth, marital status, number of dependents, and contact details. <\/span><\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-1793\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/02\/Screenshot-2020-02-01-at-10.01.37.png\" alt=\"Cash4UNow loan application page\" width=\"547\" height=\"327\" srcset=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/02\/Screenshot-2020-02-01-at-10.01.37.png 652w, https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/02\/Screenshot-2020-02-01-at-10.01.37-300x179.png 300w\" sizes=\"(max-width: 547px) 100vw, 547px\" \/><\/p>\n<p><span style=\"font-weight: 400\">You\u2019ll then need to provide some information on your employment status \u2013 such as your job title, how much you make after-tax, how long you\u2019ve been with your current employer, and your line manager\u2019s contact number. The lender will also ask you to enter your monthly outgoings. This includes your rent\/mortgage payments, average utility bills, and any other debt obligations you currently have outstanding. Finally, you will need to enter your UK bank account and debit card details. <\/span><\/p>\n<p><em><div class=\"su-note\"  style=\"border-color:#e5e54c;border-radius:3px;-moz-border-radius:3px;-webkit-border-radius:3px;\"><div class=\"su-note-inner su-u-clearfix su-u-trim\" style=\"background-color:#FFFF66;border-color:#ffffff;color:#333333;border-radius:3px;-moz-border-radius:3px;-webkit-border-radius:3px;\"><i class=\"omsc-icon sui sui-info-circle\" style=\"\"><\/i> CASH4UNOW does not allow you to assess your eligibility on a soft credit check basis. This means that regardless of whether or not you are approved, the application itself will appear on your credit report.<\/div><\/div><\/em><\/p>\n<p><span style=\"font-weight: 400\">Take note, the debit card needs to be linked to the current account you provide in your application. Once you submit the application, CASH4UNOW will then run a credit check on you. If you\u2019re approved on the spot, you\u2019ll be able to view your pre-approval rates. If you\u2019re happy with the interest rate offered, read through and sign the digital loan agreement. All being well, you should then receive the loan funds later in the day.<\/span><\/p>\n<h2 id=\"how_do_i_repay_my_cash4unow_loan\">How do I Repay my CASH4UNOW Loan?<\/h2>\n<p>Once you sign the digital loan agreement, you will have your repayment terms broken down. This will include the amount that you need to repay each month, and for how long. Each monthly repayment will include the respective interest rate. With that being said, you will need to agree to a continuous payment authority (CPA). This means that you are authorizing CASH4UNOW to take your monthly repayments automatically.<\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-1792\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/02\/Screenshot-2020-02-01-at-10.09.33.png\" alt=\"Explanation of how Cash4UNow works\" width=\"677\" height=\"197\" srcset=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/02\/Screenshot-2020-02-01-at-10.09.33.png 1039w, https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/02\/Screenshot-2020-02-01-at-10.09.33-300x87.png 300w, https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/02\/Screenshot-2020-02-01-at-10.09.33-1024x298.png 1024w, https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/02\/Screenshot-2020-02-01-at-10.09.33-768x223.png 768w\" sizes=\"(max-width: 677px) 100vw, 677px\" \/><\/p>\n<p>In a similar way to a direct debit, this ensures that you never miss a payment and thus \u2013 ensures that you avoid falling behind on your loan. However, unlike a direct debit, a CPA allows CASH4UNOW to take as much as they want from your card \u2013 as long as it mirrors the conditions outlined in the loan agreement that you signed. This might be the case if your monthly repayment was declined due to inefficient funds, and the lender attempts to take smaller amounts until the payment goes through.<\/p>\n<h2 id=\"how_much_do_cash4unow_loans_cost\">How Much Do CASH4UNOW Loans Cost?<\/h2>\n<p>If you\u2019ve taken out a payday loan in the past, then you\u2019ll know first hand just how expensive they can be. In this respect, CASH4UNOW is no different, so you should be prepared to pay a high rate of interest. However, the lender will base its APR rates on a number of variables, so you won\u2019t know the specific rate until you make an application. As we mentioned earlier, the lender does not generate a soft credit check, meaning that the process of assessing your rates will be posted to your credit report.<\/p>\n<p><em><div class=\"su-note\"  style=\"border-color:#e5e54c;border-radius:3px;-moz-border-radius:3px;-webkit-border-radius:3px;\"><div class=\"su-note-inner su-u-clearfix su-u-trim\" style=\"background-color:#FFFF66;border-color:#ffffff;color:#333333;border-radius:3px;-moz-border-radius:3px;-webkit-border-radius:3px;\"><i class=\"omsc-icon sui sui-info-circle\" style=\"\"><\/i> If you\u2019re unsure on your eligibility with CASH4UNOW, it might be best to use a lender that offers a soft credit check application.<\/div><\/div><\/em><\/p>\n<p>Nevertheless, we\u2019ve listed the main variables that CASH4UNOW will look at when assessing your APR rates.<\/p>\n<p>\u2753The <strong>amount<\/strong> you need to borrow<\/p>\n<p>\u2753How <strong>long<\/strong> you need to borrow the funds for<\/p>\n<p>\u2753Your current <strong>credit score<\/strong><\/p>\n<p>\u2753The historical <strong>relationship with debt<\/strong><\/p>\n<p>\u2753When you <strong>next receive<\/strong> your salary<\/p>\n<p>\u2753How much you <strong>earn<\/strong><\/p>\n<p>\u2753Whether you have any CCJs on your credit file<\/p>\n<p>Although you won\u2019t know your specific rate until applying, CASH4UNOW does give us a rough idea of how much you are likely to be charged on the loan.<\/p>\n<p>\ud83d\udcb8 CASH4UNOW lists a <strong>representative rate of 1,314%<\/strong> on its website. This four-figure rate is going to cripple you in the long-run, especially if borrowing a larger amount from the lender. Nevertheless, now that we know the representative rate, we can calculate a brief example.<\/p>\n<p>\ud83d\udcb8 Let\u2019s say that you were to borrow \u00a3200 over a 4-month term. In doing so, you would need to make four equal payments of \u00a383. This would take the total repayment amount to \u00a3332, meaning that you would <strong>pay \u00a3122 in interest<\/strong>. This example yields an <strong>annualized APR rate of 292%<\/strong>.<\/p>\n<p>\ud83d\udcb8When you consider that high-street banks typically offer loans at <strong>single-digit APR rates<\/strong>, this once again highlights just how costly CASH4UNOW is. With that said, you likely won\u2019t be suitable for a high street bank loan if your credit is less than ideal, so you\u2019re effectively forced to use a payday loan lender in times of need.<\/p>\n<p>\ud83d\udcb8 You won\u2019t need to pay any other fees to obtain a loan from CASH4UNOW, as <strong>everything is built into the interest rate<\/strong>. The lender also allows you to repay the loan off early at no extra cost, which is definitely something you should aim for. However, you will be charged a late payment fee if you fall behind on the loan.<\/p>\n<h2 id=\"am_i_eligible_for_a_cash4unow_loan\">Am I Eligible for a CASH4UNOW Loan?<\/h2>\n<p>As is the case with most payday loan companies, it will come as no surprise to learn that CASH4UNOW has an extremely low eligibility threshold. This is even the case if your credit profile is damaged \u2013 as long as you can prove you have an income of some sort.<\/p>\n<p><em><div class=\"su-note\"  style=\"border-color:#e5e54c;border-radius:3px;-moz-border-radius:3px;-webkit-border-radius:3px;\"><div class=\"su-note-inner su-u-clearfix su-u-trim\" style=\"background-color:#FFFF66;border-color:#ffffff;color:#333333;border-radius:3px;-moz-border-radius:3px;-webkit-border-radius:3px;\"><i class=\"omsc-icon sui sui-info-circle\" style=\"\"><\/i> If you have access to an overdraft facility, it might be best to utilize this as opposed to taking out a payday loan. If you\u2019re able to repay the funds in quick-fashion, you will save a considerable amount of interest.<\/div><\/div><\/em><\/p>\n<p>However, not everyone will be eligible for financing with CASH4UNOW, so be sure to read through the eligibility requirements listed below before applying.<\/p>\n<p>\u2714\ufe0f <strong>Credit Check<\/strong><\/p>\n<p>Although CASH4UNOW will perform a fully-fledged credit check, you are not required to meet a minimum credit score. Instead, the lender is looking to see what your historical relationship with debt is like.<\/p>\n<p>For example, if you\u2019ve got heaps of prior defaults and CCJs, you might have your application rejected.<\/p>\n<p>\u2714\ufe0f <strong>Minimum Monthly Income<\/strong><\/p>\n<p>CASH4UNOW requires all applicants to have a minimum income of \u00a3600 per month. The lender does not explicitly state whether this needs to come in the form of employment per-say, so it\u2019s possible that your income can come via benefits.<\/p>\n<p>However, this would also indicate that you do not have the financial means to be taking out more debt, so tread with extreme caution.<\/p>\n<p>\u2714\ufe0f <strong>UK Resident and 18 Years +<\/strong><\/p>\n<p>You will need to be a UK resident to apply for a loan with CASH4UNOW. Moreover, you will need to be aged between 18 and 65 years old.<\/p>\n<p>\u2714\ufe0f <strong>Valid UK Bank Account and Debit Card<\/strong><\/p>\n<p>You need to have a valid UK bank or building society account, alongside a debit card. The debit card needs to be from the same account that you receive the loan funds, as this is where the CPA will be linked to.<\/p>\n<h3 id=\"customer_service_at_cash4unow\">Customer Service at CASH4UNOW<\/h3>\n<p>If you need to speak with a member of the CASH4UNOW customer service team, you can contact them on the following:<\/p>\n<p>\ud83d\udcf1<strong>Phone<\/strong>: 0113 887 3434<\/p>\n<p>\ud83d\udce7 <strong>Email<\/strong>: info@cash4unow.co.uk<\/p>\n<p>\u2709\ufe0f\u00a0<strong>In Writing: <\/strong>7 Limewood Way, Leeds, LS14 1AB<\/p>\n<p>Support at CASH4UNOW is available Monday to Friday. This covers 8 am to 8 pm between Monday and Thursday, and 9 am to 5.30 pm on Fridays.<\/p>\n<h2 id=\"cash4unow_the_verdict\">CASH4UNOW: The Verdict?<\/h2>\n<p>In summary, it\u2019s much the same with CASH4UNOW. By this, we mean that the lender operates much like any other payday loan company in the space. You will be able to apply for a loan of between \u00a3100 and \u00a31,000, and everything can be completed from your desktop or mobile device. Once the loan is approved, you could have the funds deposited into your bank account the same working day.<\/p>\n<p>With that said, CASH4UNOW does allow you to borrow the funds for a longer period of time, which might make your monthly repayments more manageable. However, extending the length of the loan is going to cost you much more in interest. This is especially the case when you factor in the published representative rate of 1,314%. In real terms, this means that a \u00a3200 loan over the course of 4 months would end up taking the total loan amount to \u00a3332.<\/p>\n<p>This amounts to \u00a3122 in interest, which is huge. Ultimately, a payday loan lender like CASH4UNOW should only be used as a last resort option. If you need access to emergency funding, it is highly recommended that you explore other financing solutions.<\/p>\n                                        <div class=\"inContentProviderSingle inContentColor--learnbonds fc-row\">\n                        <div class=\"inContentProviderSingle--wrapper\">\n                            <div class=\"container\">\n                                <div class=\"row mb-lg-3\">\n                                    <div class=\"col-12 col-md-8\">\n                                        <p class=\"inContentProviderSingle--title\">Try Our Recommended UK Payday Loan Provider 2020:<\/p>\n                                    <\/div>\n                                    <div class=\"col-12 col-md-4\">\n                                        <div class=\"inContentProviderSingle--rating\">\n                                            <div class=\"rating--holder\">\n                                                <p class=\"rating--text\"><\/p>\n           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data-relfix=\"1\">Apply Now!<\/a>\n                                            <\/div>\n                                                                                <div class=\"inContentProviderSingle--disclaimerText\">\n                                            *Subject to lender requirements and approval.                                        <\/div>\n                                    <\/div>\n                                <\/div><!--\/.row-->\n                            <\/div><!--\/.container-->\n                        <\/div><!--\/.inContentProviderSingle--wrapper-->\n                    <\/div><!--\/.inContentProvider--single-->\n                            \n            \n<h2 id=\"faq\">FAQ:<\/h2>\n<div id=\"_me7_XKivMezisAe5rISIBg17\" class=\"gy6Qzb kno-aoc\" role=\"tabpanel\" aria-hidden=\"false\" aria-labelledby=\"_me7_XKivMezisAe5rISIBg18\">\n<div id=\"_me7_XKivMezisAe5rISIBg21\" data-hveid=\"CAsQBA\" data-ved=\"2ahUKEwjo34m0g-LiAhVsMewKHTkWAWEQu04oAXoECAsQBA\">\n<div class=\"mod\" data-md=\"61\">\n<div role=\"heading\" data-hveid=\"CAsQBQ\"><div class='man_faq_sec' itemscope itemtype='https:\/\/schema.org\/FAQPage'> <\/time><time itemprop=\"dateModified\" datetime=\"2020-06-17 17:07:56\"><\/time><script>jQuery(document).ready(function() {\r\n\t\t\tjQuery('.accordionButton').on('click', function() {\r\n\r\n\t\t\t\t\/\/REMOVE THE ON CLASS FROM ALL BUTTONS\r\n\t\t\t\tjQuery('.accordionButton').removeClass('on');\r\n\t\t\t\t\t\r\n\t\t\t\t\/\/NO MATTER WHAT WE CLOSE ALL OPEN SLIDES\r\n\t\t\t\tjQuery('.accordionContent').slideUp('normal');\r\n\t\t\t\r\n\t\t\t\t\/\/IF THE NEXT SLIDE WASN'T OPEN THEN OPEN IT\r\n\t\t\t\tif(jQuery(this).closest('.ms_faq').find('.accordionContent').is(':hidden') == true) {\r\n\t\t\t\t\t\r\n\t\t\t\t\t\/\/ADD THE ON CLASS TO THE BUTTON\r\n\t\t\t\t\tjQuery(this).closest('.ms_faq').find('.accordionButton').addClass('on');\r\n\t\t\t\t\t\t\r\n\t\t\t\t\t\/\/OPEN THE SLIDE\r\n\t\t\t\t\tjQuery(this).closest('.ms_faq').find('.accordionContent').slideDown('normal');\r\n\t\t\t\t} \r\n\t\t\t\t\t\r\n\t\t\t\t});\r\n\t\t\t});\r\n\t\t\t<\/script><section class=\"ms_faq ms_card \" ><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"accordionButton\"><h3 itemprop=\"name\">What interest rates does CASH4UNOW charge?<\/h3> <\/div>\n<div class=\"accordionContent\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none;\"><p itemprop=\"text\">CASH4UNOW advertises a representative rate of 1,314%. This would yield \u00a3122 in interest on a \u00a3200 loan over 4 months. With that said, you\u2019ll only know your personal APR rate when you go through the application process.<\/p>\r\n                <\/div><\/div><\/section>\n<section class=\"ms_faq ms_card \" ><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"accordionButton\"><h3 itemprop=\"name\">How much can I borrow from CASH4UNOW?<\/h3> <\/div>\n<div class=\"accordionContent\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none;\"><p itemprop=\"text\">CASH4UNOW allows you to borrow from \u00a3100, up to a maximum of \u00a31,000. However, if you\u2019re yet to take out a loan with the lender, you\u2019ll be capped to \u00a3600 on your first application. .<\/p>\r\n                <\/div><\/div><\/section>\n<section class=\"ms_faq ms_card \" ><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"accordionButton\"><h3 itemprop=\"name\">How do I repay my loan with CASH4UNOW?<\/h3> <\/div>\n<div class=\"accordionContent\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none;\"><p itemprop=\"text\">The only repayment option available at CASH4UNOW is to set up a CPA (continuous payment authority). This means your monthly repayments will be taken from your debit card automatically.<\/p>\r\n                <\/div><\/div><\/section>\n<section class=\"ms_faq ms_card \" ><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"accordionButton\"><h3 itemprop=\"name\">Does CASH4UNOW perform soft credit checks?<\/h3> <\/div>\n<div class=\"accordionContent\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none;\"><p itemprop=\"text\">Unfortunately not. On the contrary \u2013 and regardless of whether or not your application is approved, the application will be posted to your credit report.<\/p>\r\n                <\/div><\/div><\/section>\n<\/div>\n<div role=\"heading\" data-hveid=\"CAsQBQ\">\n<h2>UK Payday Loan Reviews- A-Z Directory<\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Cash4Now Review 2020|Is it Recommended?<br \/>\nEarn a minimum \u00a3600 per month? Cas4UNow will advance up to \u00a31k payable in 180 days. You don\u2019t need a stellar credit score<\/p>\n","protected":false},"author":632,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"class_list":["post-1788","page","type-page","status-publish","hentry"],"acf":{"show_disclaimer":false},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cash4UNow Review 2021 - Is it Recommended? - LearnBonds UK<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/learnbonds.com\/uk\/payday-loans\/cash4unow-review\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cash4UNow Review 2021 - Is it Recommended? - LearnBonds UK\" \/>\n<meta property=\"og:url\" content=\"https:\/\/learnbonds.com\/uk\/payday-loans\/cash4unow-review\/\" \/>\n<meta property=\"og:site_name\" content=\"LearnBonds UK\" \/>\n<meta property=\"article:modified_time\" content=\"2024-04-29T11:02:15+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/learnbonds.com\/uk\/wp-content\/images\/sites\/2\/2020\/02\/images-4.jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"11 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/learnbonds.com\/uk\/payday-loans\/cash4unow-review\/\",\"url\":\"https:\/\/learnbonds.com\/uk\/payday-loans\/cash4unow-review\/\",\"name\":\"Cash4UNow Review 2021 - Is it Recommended? 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