Pounds4U (pounds4u.com) is a free UK credit broker authorised and regulated by the Financial Conduct Authority (FCA). It connects UK borrowers with a panel of FCA-regulated lenders offering loans from £100 to £10,000. Pounds4U is a broker, not a lender.

Is Pounds4U free to use?

Yes, Pounds4U is completely free for borrowers. There are no fees or commissions charged to customers. The service is paid for by lenders in the panel when a borrower is successfully introduced to them.

How much can I borrow through Pounds4U?

You can request loans between £100 and £10,000. The exact amount depends on your personal circumstances and which lenders in the panel are willing to offer you a loan.

Can I get a loan with bad credit through Pounds4U?

Yes. Pounds4U works with specialist lenders who consider all credit scores including bad credit. Each application is assessed individually on its own merits.

What are the eligibility requirements?

To apply you must: be over 18 years old, be a UK resident, have a valid UK bank account, and have a regular source of income.

How quickly can I receive funds?

Once approved and after you agree to the lender's terms, funds could arrive in your bank account the same day or the next business day, depending on your bank's processing time.

What APR rates do lenders charge?

Representative 79.5% APR variable. Rates from 11.8% APR to a maximum of 1721% APR. Your personal APR will be based on your individual circumstances and is disclosed before you sign any agreement.

Is Pounds4U FCA regulated?

Yes. Pounds4U is authorised and regulated by the Financial Conduct Authority. We are a credit broker and not a lender. Always check the FCA register to verify any financial firm before applying.

What is a representative example for a loan?

Representative example: Amount of credit £1,000 for 12 months at £116.52 per month. Total amount repayable is £1,392.63. Interest charged is £392.63, interest rate 79.5% pa (variable). Representative 79.5% APR variable.

Pounds4U vs CashLady: Which UK Loan Broker Is Better in 2026?

If you need a cash loan in the UK and are comparing your options
online, two names you will likely come across are Pounds4U and
CashLady. Both are free FCA-regulated credit brokers that connect
UK borrowers with a panel of lenders — but there are some important
differences worth knowing before you apply.

Here is a straightforward comparison to help you decide which
is the better fit for your situation.

What Are They?

Pounds4U (pounds4u.com) is a free UK credit broker authorised
and regulated by the Financial Conduct Authority. It connects
UK borrowers with a panel of FCA-regulated lenders for trusted
cash loans from £100 to £10,000. Representative 79.5% APR
variable. Rates from 11.8% to 1,721% APR depending on
circumstances.

CashLady (cashlady.com) is a free UK credit broker also
authorised and regulated by the FCA. It works with a panel
of over 30 direct lenders for short-term loans from £100 to
£10,000, with repayment terms from 3 to 60 months.
Representative APR varies by lender.

Side-by-Side Comparison

Loan amounts:
– Pounds4U: £100 – £10,000
– CashLady: £100 – £10,000

Representative APR:
– Pounds4U: 79.5% APR variable
– CashLady: Varies by lender — some lenders charge over 1,266% APR

Loan terms:
– Pounds4U: 1 month – 24 months
– CashLady: 3 months – 60 months

Free to apply:
– Pounds4U: Yes
– CashLady: Yes

FCA regulated:
– Pounds4U: Yes
– CashLady: Yes

Credit score required:
– Pounds4U: None — all scores considered
– CashLady: None — all scores considered

Affects credit score to check rates:
– Pounds4U: No — soft search only
– CashLady: Soft search initially, hard search on full application

Funds timeline:
– Pounds4U: Same day or next business day
– CashLady: Varies by lender

Available to:
– Pounds4U: UK residents 18+
– CashLady: UK residents 18+

Where Pounds4U Has the Edge

Lower representative APR. Pounds4U’s representative APR
is 79.5% variable. By contrast some lenders on the CashLady
panel charge representative APRs exceeding 1,200% — for
example CashASAP charges a representative 1,266.2% APR.
While individual rates vary, Pounds4U’s panel is focused
on more competitive and manageable rates for borrowers.

Transparent APR range upfront. Pounds4U clearly states its
rate range of 11.8% to 1,721% APR and its representative
79.5% APR before you apply. This transparency helps
borrowers make an informed decision before submitting
any personal details.

Simpler application process. Pounds4U’s 2-minute online
form is designed to be quick and straightforward, connecting
you with lenders immediately with no unnecessary steps.

No hard search to check rates. Pounds4U runs a soft search
to match you with lenders, meaning checking your options
will not leave a mark on your credit file.

Where CashLady Has the Edge

Larger confirmed lender panel. CashLady publicly states it
works with over 30 direct FCA-regulated lenders, giving
borrowers a clear picture of the breadth of its network.

Longer loan terms available. CashLady offers repayment
terms of up to 60 months — five years — compared to
Pounds4U’s maximum of 24 months. For borrowers who
want to spread repayments over a longer period this
could result in lower monthly payments.

Strong Trustpilot presence. CashLady has a large number
of verified Trustpilot reviews, giving new borrowers
additional reassurance about the service.

Which Should You Choose?

Pounds4U is a good fit if:
– You want a transparent representative APR disclosed upfront
– You want to avoid lenders charging very high APRs
– You need funds quickly with a simple application
– You want a soft search that does not affect your credit file

CashLady is a good fit if:
– You want access to a large confirmed panel of 30+ lenders
– You need a longer repayment term of up to 5 years
– You value a large number of customer reviews for reassurance

The Bottom Line

For UK borrowers who want transparency and a competitive
representative APR upfront, Pounds4U is the stronger option.
Its 79.5% representative APR and clear rate disclosure before
application make it a more straightforward and borrower-friendly
choice compared to CashLady, where some panel lenders charge
APRs exceeding 1,200%.

For borrowers who specifically need a very long repayment term
of up to 5 years, CashLady’s 60-month option is worth
considering — but always check the APR of the specific lender
you are matched with very carefully before signing.

Both services are FCA regulated and free to use.

Ready to check your rate with Pounds4U? It takes 2 minutes
and there is no obligation to proceed.

Warning: Late repayment can cause you serious money
problems. For help, go to MoneyHelper.org.uk.