Cash Genie @ www.cashgenieloans.co.uk - 100+ Lenders Compared. - Miyagi Loans

100+ Lenders Compared.

Cash Genie @ www.cashgenieloans.co.uk

Cash Genie is the central brand of Ariste Holding Ltd who also trade as Payday is Everyday and Txt Me Cash. They operate from the recently revamped www.cashgenieloans.co.uk website and launched back in 2009. This has been a popular brand and they have helped over 200,000 local residents with financing. These are monthly loans and there was an additional 3 month term headed a while back, but this has been discontinued. The sums available stands from £75 to £500 that can be accessed by all customers. Everyone pays £30 per £100 when it comes to interest and fast funding is optional.

The standard option is free and the paid one stands at £20. They will take this away from the funds sent, but to avoid any confusion we always add up these fees with the interest. This would highlight a same day option working out at £50 per £100 that is certainly an expensive amount to pay. I had a good look around for a Cash Genie promo code 2014, but had no luck and there was no info of any codes on their social pages. If obtained, this is entered on to the secure application form at www.cashgenieloans.co.uk that does include a login facility.

This lender has acquired CCTA membership. From running through the product info there was a note that a Member Benefits scheme is being added soon that would include such add-ons as exclusive rates, fast track applications and so on. No further information surrounds this at this time. On a previous check no trading times were listed, but I noticed that they have now updated this with the Monday to Friday times being 8am to 8pm and Saturday is 9am to 4pm. Overall, this service has been well received across the market and the fresh revamp is an improvement. The main issue lies in that £20 fee.

Compare Same Day Loan Prices and Daily Rates (to 3DP):

☆ Cap: Payday/short term lenders will soon have to adapt their products to meet the upcoming FCA capping. This is coming into play in January 2015. Read more about the Cap Here.
☆ Current Account Overdrafts: Study all 20 Here. This covers free accounts that offer a borrowing facility. We will soon be adding rankings for planned/unplanned overdrafts. This will fit well to compare how the banks compare against the top monthly/short term products below.

☆ Short Term /£100 (7-Days) ☆
1) Vivus = £0 (first loan) = 0.000% (return: £15.90 = 2.271%)
2) Reddies Direct = £6.52 = 0.931%
3) Sunny = £6.76 = 0.966%
4) ClearAccount = £7 = 1.000%
5) Peachy = £7 = 1.000%
+ Square Money and VarioLoans = £7 = 1.000%
= Insights.

☆ Monthly /£100 (30-Days) ☆
1) Vivus = £0 (first loan) = 0.000% (return: £25 = 0.833%)
2) QuickQuid = £14/£20.65 = 0.467%/0.688%
3) QuickQuid FlexCredit = £24.30 = 0.810%
4) Kabayan Finance = £25 = 0.833%
5) The Quick Loan Shop Ltd = £25 = 0.833%
+ Umbrella Loans and WagedayXpress = £25 = 0.833%
= Insights.

☆ Instalment /£300 (3-Months) ☆
1) Oakam = £85 = 0.315%
2) Kabayan Finance = £109.94 = 0.407%
3) Satsuma Loans = £120.03 = 0.445%
4) Wizz Cash = £136.74 = 0.506%
5) Sunny = £144.67 = 0.536%
= Insights.

☆ Instalment /£300 (6-Months) ☆
1) Ladder Loans = £140.55 = 0.260%
2) Oakam = £150 = 0.278%
3) Kabayan Finance = £154.94 = 0.287%
4) The Quick Cash Club (guarantor required) = £155.82 = 0.289%
5) Pounds to Pocket = £191.14 = 0.354%
= Insights.

☆ 12 Months /£1000 (Year) ☆
1) On Stride = £146.36/£385.91 = 0.040%/0.106%
2) SpringCoin = £223.61 = 0.061%
3) 1st Stop Personal Loans = £277.02 = 0.076
4) Pounds to Pocket = £875.61 = 0.240%
5) Kabayan Finance = £905 = 0.248%
= Insights.

☆ Doorstep /£300 (Terms Shown Below) ☆
1) Mutual = £90 (26-Wks) (selected locations only) = 0.165%
2) Skyline Direct = £150 (30-Wks) (selected locations only) = 0.238%
3) Provident = £180 (32-Wks) = 0.268%
4) LoansatHome4U = £180 (32-Wks) = 0.268%
5) SFS Loans = £210 (34-Wks) = 0.294%
+ Shopacheck = £210 = 0.294%
= Insights.

☆ Guarantor /£1000 (Year) ☆
1) Everyday Loans (Duo) = £195.91 = 0.054%
2) GuarantorUs Loans = £216.21 = 0.059%
3) TFS Loans = £219.70 = 0.060%
4) UK Credit = £228.44 = 0.063%
5) LendFair = £228.68 = 0.063%
= Insights.

☆ Logbook /£1000 (Year) ☆
1) Easy Logbook Loans = £700.04 = 0.192%
2) Varooma = £700.04 = 0.192%
3) AutoPawn = £950 = 0.260%
4) LoanMyMotor = £959.96 = 0.263%
5) Auto Advance = £960.08 = 0.263%
= Insights.

Notes: If the price is matched then we rank alphabetically. The product pricing includes interest, transfer fees and promo codes (if known). All such costs are added together here, but some lenders do discount transfer fees from your money. We always add them, as it would be confusing to cover both sides. Finally, the overall daily rate is rounded off to 3 decimal places.

Disclaimer:

The information provided at Miyagi Loans is based on the data disclosed by any given company at that time. We update posts frequently and keep a look out for updates, but changes do often occur without notice. The featured subprime products are much more expensive than what mainstream credit providers charge. Try to use any such facility to cover emergency situations. If you are facing difficulties, we would advise contacting National Debtline or StepChange for free debt assistance.

Top Rated Lender: August 2014

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