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Typical APR 2,623%
on a 30 day loan.

Cash Genie UK Ltd Terms & Conditions.

The terms and conditions set out below, form part of the Consumer Credit Agreement between us, being Cash Genie UK Ltd and you.

Terms & Conditions

The services of Cash Genie UK Ltd are for U.K Residents, who are 18 years or over and in employment. You agree that you fulfil these stated criteria.
You agree that Cash Genie UK Ltd are authorised to use Credit Reference Agencies, Fraud Prevention Agencies or any other information that may be available to make a decision to lend to you.
By agreeing to these terms and conditions, you agree that you are not in a debt management plan, entering into a trust deed, bankruptcy or an Individual Voluntary Arrangement or any kind of informal debt management plan.
As any loan / finance / funds are lent to you for a period of one month, If you enter into any of the terms mentioned in section 3, you agree that the repayment of the loan will fall outside of any debt plan, trust deed IVA or Bankruptcy and will be due to be repaid immediately and before entering any of the above.
You agree that you are in full time employed work on a P.A.Y.E basis, not self employed, not currently on any sick leave, maternity leave, paternity leave, adoption leave, or any kind of unpaid leave. You also confirm that you are not under any notice of redundancy, any disciplinary action that may cause your employment to be terminated and that you have not or don’t intend to resign from your place of work before any outstanding balance that you may have with Cash Genie UK Ltd is repaid.
An offer in principle may be made upon applying for this loan. Further checks may be necessary and we may decide to offer you a lesser amount than you have applied for or after an offer in principle is made, we may decline your application at our discretion and you agree that we do not have to give a reason to our decision.
You agree that all details you provide belong to you and you will notify us immediately if you change any of the following details or if they become at anytime incorrect and you furthermore agree that you will provide us with new and / or alternative details for:
1. Your residential address.
2. Your home telephone number.
3. Your mobile telephone number.
4. Your email address.
5. Your work address.
6. Your work telephone number.
7. Your bank account.
8. Your debit card.
In the event that we discover that any part of your loan application is or was fraudulent, or that we discover that any part of section 7 has not been adhered to, you agree that we may at our total discretion require that the total amount repayable shown in the Consumer Credit Agreement is repaid immediately.
You agree that Cash Genie UK Ltd is authorised by you, once any outstanding balance becomes due, to collect this from any debit card, credit card or account information that you have provided to us at anytime. You agree that we can make these attempts in any nominations we choose and at any time we reasonably choose up until the total outstanding balance is recovered. If you do not wish us to attempt these transactions, you must notify us in writing that you wish to opt out of the debit authority. Should you reject the above transactions as unauthorised without notifying us first, and we are charged a chargeback fee by your bank (at this time £25 per transaction), you agree that this fee will be added to your account plus £5 admin charge per chargeback. If you are experiencing any financial hardship and a debit would cause your priority payments to fail, please make us aware in advance. You also agree that should you already have an outstanding balance with Cash Genie UK Ltd or any trading names such as www.paydayiseveryday.co.uk, you authorise us to collect the outstanding balance before processing any additional application.
You agree that Cash Genie UK Ltd will not be responsible for any charges or costs associated with the refusal at any time to lend to you. We will also not be responsible for any costs you may incur whilst we collect any monies outstanding as stipulated on your Consumer Credit Agreement.
You agree to repay the total outstanding balance no later than the date it becomes payable. If the pay date you have selected falls on a weekend, you agree to make funds available on the friday before the weekend. In the event that your account becomes overdue, interest at the APR stated on you Consumer Credit Agreement will be charged on the first day that your loan is outstanding and continued on that basis until the loan is repaid as well as before and after a County Court Judgement is obtained.
Upon due date we will expect you to either contact us online or by telephone to pay the full amount due. If we have not heard from you on the due date, we will take an interest only payment from your account from the details provided to us. After this date, you will enter into Stage 1 of our arrears process. This stage lasts on average 30 days. During this period we will contact you updating you to the outstanding balance of your account and try to reach a repayment agreement with you. Our standard charges are set out earlier in the Consumer Credit Agreement. However, if we feel that you are committed to responsible borrowing within this period we may waive these charges. This will be determined on a case by case basis. At the end of the 30 day period you will either: (a) Contact us and pay the outstanding balance in full; or (b) Have in place a repayment plan with us. If no contact is made you will automatically enter into stage 2 arrears. On the date 30 days after repayment of the loan was due we will attempt to debit the full outstanding balance due to us from the details held by us in accordance with our Debit Authority. Should this attempt fail, any repayment plan agreed by us fail, or we believe your loan to be obtained fraudulently, your loan will enter into stage 3 default. This will mean that unless we can reach an agreement with you, your account will be provided to a debt collection agency and legal proceedings will be contemplated. The day before passing your account to a debt collection agency, we will once again attempt to collect the full outstanding balance in accordance with our Debit Authority and/or a charge of £50 transfer charge will be applied to your account.
If you default in repaying any loan with us and as it is our lending criteria that any monies lent to you are lent on the basis that you are employed, you authorise us to contact any other relevant parties (such as Debt Collection Agencies, Debt Management Companies or a person(s) or organisation you have authorised us to contact) in order to secure repayment of any outstanding balance, or contact any other relevant parties to confirm any information you have supplied in your application if we believe that the information is false, misleading or inaccurate.
You consent to Cash Genie UK or any associated organisation disclosing any details of this agreement or use discreet actions to assist in the recovery of any outstanding balance.
We may, as a result of information that you submit to us, use your personal information in order to verify your identity, service our relationship with you, share the information with fraud prevention agencies, credit reference agencies, debt collection agencies and debt management companies in accordance with our privacy policy. Should you wish us not to share this information with third parties please contact us in writing to opt out. We may share any information we hold on you with our regulator(s), government or judicial bodies, professional bodies or police as required or permitted by any applicable law. We transfer your personal details to any entity which buys our business or your debt from us or assist in the recovery of any outstanding balance. If your account is passed to an external debt collection agency, you agree that we may retain any payment information we hold to attempt payment collections as stipulated in section 9.
By submitting an application on our website, you agree that we may use the information to contact you from time to time about further offers, promotions, and services or pass information to other carefully selected companies for the purpose of marketing other services or products. You may opt out of this at anytime by writing to us.
You may cancel your Consumer Credit Agreement within 14 days of the date that it is signed by both parties. This can be done by giving us notice in writing by sending:
1. A letter to us at Cash Genie UK Ltd, Dalton House, 60 Windsor Avenue, London. SW19 2RR
2. A fax to us at 0845 017 9961
3. An e-mail to us at info@cashgenie.co.uk
  If you cancel the agreement after we have made the loan, you will still be required to repay the amount of credit shown in your Consumer Credit Agreement. If you do not exercise this right to cancel you may still settle this loan at any time prior to the re-payment date. You can settle this loan by paying the outstanding balance that is due and payable in full less any rebate which may apply under the Consumer Credit Act 1974.
The information, content and material contained on our websites may be changed without notice and at any time and you agree that it is your responsibility to view all the contents of the website before committing to any agreement. Such changes will not affect the terms of existing agreements.
The loan is unsecured.
We are licensed by the Office of Fair Trading, PO Box 62691, London, EC4P 4UW. Our Licence number is 0630949
Cash Genie UK Ltd Trading has a complaints procedure and in the event that you have any concerns, or complaints, please write to Cash Genie UK Ltd, Dalton House, 60 Windsor Avenue, London, SW19 2RR in the first instance. If you remain unhappy with our decision, Cash Genie UK Ltd is a member of The BCCA (British Cheque Cashers Association) and adopts fully its complaint procedure. Further details can be found on their website, www.bcca.co.uk or telephone 01244 505904, email info@bcca.co.uk or write to Chief Executive, BCCA, PO BOX 3414, Chester, CH1 9BF.
Each item in these terms and conditions and the Consumer Credit Agreement are separate and exclusive clause(s)/section(s). In the event that any clause(s)/section(s) are found to be unenforceable under the laws of England and Wales, all other section(s)/clause(s) will remain in force and will still continue to be legally binding.
By accepting these terms and conditions and the input of your electronic signature, you agree to be legally bound by the Consumer Credit Agreement of which these terms and conditions form part.