Wizzcash

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Company Information

  • Company Name:
    Wizzcash
  • Website Address:
  • FCA IP:
    642819
  • Business address:
    4th Floor, 7 Chandos Street, London, W1G 9DQ
  • Phone number:
    020 3740 7273

Wizzcash first began trading in 2012, and since their early days, they have now expanded into several sectors of the financial market. They are a company that takes pride in their responsible lending habits and low APR. They will only approve suitable candidates that they truly believe will be able to meet the repayment deadlines promptly, however they don’t hide behind additional charges and there are no fees for paying back a loan early.

APPLICATION REQUIREMENTS:

As responsible lenders, clients wishing to make a payday loan application with Wizzcash need to be residing in the UK, over 18 years of age, and in current employment which sees them take home a minimum of Β£750 each month. In order to complete the application process, customers will also need a valid email address and phone number.

LOAN AMOUNT AND CHARGES:

Wizzcash offer flexible payday loans of up to Β£1000, and unlike other lenders, they give customers the chance to repay the amount over three months. They choose to offer this option because of their commitment to responsible lending. The APR rate on a payday loan with Wizzcash is 1265%.

PROCESS:

The process of applying for a loan with this lender differs slightly depending on whether you are a first time customer or a returning client. This will also effect the amount you are entitled to borrow. After completing an application form, customers will be required to meet credit and affordability checks in order to obtain an approval. If successful, you will then be asked to sign the loan agreement electronically, via a link sent by email and an additional SMS code. A copy of your pay-slip or bank statement may also be required before funds will be transferred.

PAYMENT:

Funds can be transferred to successful applicants accounts within one hour, after the loan agreement has been electronically signed and reviewed by a member of the Wizzcash team. Repayments come out of the borrowers bank account automatically, in three equal parts. As mentioned above, there are no extra charges for customers wishing to repay their loans ahead of schedule.

36 Reviews of Wizzcash

I used to think payday loans were just for people that couldn't control their spending, and that's not the kind of person I am. Even when I go clothes shopping, I have a strict budget and I stick to it. However, about three months ago, one of my relatives that lives abroad got quite sick, so I needed to go and see them right away. I've got some savings but I already have plans for that money so didn't want to dip into it, so I did something I never thought I'd do, and took out a payday loan. Using Wizzcash has actually really changed the way I think about payday loans, it helped that they were so flexible too – definitely more so than some other offers I've seen about.

Review posted by Di Flintley

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Well, one thing that I will start off by saying about Wizzcash is that they are not your typical payday loan lender – and I mean that in a good way. I have really found it a struggle to pay off payday loans in the past, because it's just too much all at once, so finding Wizzcash has been a game changer for me. I'd actually say that their loans a bit like a cross between an instalment loan and a payday loan, with the best aspects of each rolled into one. It's simple and quick to get like a payday loan, but you pay it off like an instalment loan, which if you're anything like me, will be a lot easier.

Review posted by Lea Karchley

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So what can I say about the payday loan I got... First and foremost, I have no compaints – I'm quite a fussy person and really hate bad service, so I looked around a considerable amount before opting to try Wizzcash, and had high hopes after reading a multitude of positive reviews, actually come to think of it, I don't think I saw anyone who'd had a negative experience with them. Getting the loan itself couldn't have been simpler, and I'm currently two thirds of the way through repaying the amount. Being able to pay the money back at my own pace has been a breeze, and I think I made the right choice with Wizzcash.

Review posted by Ari Gockler

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My car broke down and I had to get it fixed now because my Mrs couldnt get the kids to school. I didnt have time to wait for a proper loan so I thought I would go for a payday loan even though the interest is almost crimanal. I had a look at a couple to try and find a good deal but I decided to go with Wizzcash. It was easy online and uhey said they would lend me Β£500 and I could pay it back the next month. I had the money in a couple of hours and the car was fixed. Happy dayz!

Review posted by terry argo

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Once I had got the first loan with Wizzcash out of the way the subsequent loans have been really easy and straightforward for me. I think once Wizzcash have your details on record they can process your loan application much quicker provided you haven't changed any of your main details. I always keep a payslip to hand just in case because when I got a pay rise last year I had to prove this to Wizzcash before they would approve a bigger loan amount for me. Now that information is on file they haven't asked to see it again so my current loan went through very fast indeed. It was a proper wizzcash loan in every respect.

Review posted by Macreish J., Wimbledon

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I like using Wizzcash because they are more than just a regular payday loan company because they let you borrow larger sums and repay them in 3 instalments which is a much better option for me personally. I've had other payday loans where I've borrowed less but struggled with the one repayment at the end of the loan period. I never have to worry about that with these Wizzcash loans and it doesn't necessarily mean I am always borrowing more it just means I find the instalment repayments much easier to manage and for me that is brilliant and that's why I'll continue to use Wizzcash.

Review posted by Lyndsey Evans, Carshalton

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Getting your loan money within an hour of applying for it is one of the best features of a Wizzcash payday loan as far as I am concerned. Being able to repay it over a 3 instalment period is also a very good factor of a Wizzcash loan. Provided they keep their rates competitive I don't see any need to go with a different lender at the moment and I have been recommending Wizzcash to friends who seem equally happy with them. So I don't think I am far wrong in saying they are one of the best payday loan companies at the moment.

Review posted by David Cooper, Streatham

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I get it with Wizzcash, provided you can show how much you earn and how much outgoings you have each month they will base their loans to you on those facts. That works really well for me because I earn a good salary and apart from my rent, utility bills and one credit card I don't have any other regular outgoings. So I am always able to get a payday loan approved for however much I want and sometimes I borrow the full 1K and pay it back over 3 instalments which is perfect for me. Thats how I have just paid for this years holiday to Orlando. Whoopee!

Review posted by Loretta Pattison, Croydon

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Payday loans = Wizzcash as far as I am concerned. that's because I can use them like an instalment loan sometimes if I am borrowing a bit more money. If not it's just the regular one off repayment at the end of the month. But a large loan to say pay for a weekend away with the girlfriend because she's got the hump with me over something, then a larger loan paid back over 3 instalments does the trick and that's why I will keep using Wizzcash because they have helped me out of some tricky situations with the girlfriend. Since I started using Wizzcash for my loans I have been very satisfied with how they have worked and if that changed I would obviously have to look for another lender but I hope that won't be the case.

Review posted by Gavin J., Sittingbourne

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So now that I have had my first ever payday loan I know what all the buzz is about. Wizzcash in particular have really impressed me and I have no other lender to compare them to but the fact is this loan just went so well that I think I would use Wizzcash again. I like things that are easy and straightforward and Wizzcash are certainly like that. Their website made it so easy to apply for this loan and I didn't have too long to wait to get it approved and the money to reach my account. that's two great factors for me so I'll bear that in mind next time I am looking for a payday loan.

Review posted by Amy Sheppeard, Basildon

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I thort you had to pay a payday loan back when you got paid, that's how they work but that wasn't how it was with Wizzcash.
I dint have to pay it all back the next time I got some money from my boss, I just paid a bit of it off, and will have to pay the rest back in two more bits, one at the end of this month and then the other at the end of next month.
This was a way more easy way for me to do it, cos now I won't have to run out of money for a while an can still go out n have fun without thinkin I need to be saving every penny.
I've been tellin my mates about this too because it's much better than the payday loans they've all been taking out - they had to pay theirs back all in one go and then they end up skint again.

Review posted by Lez Mayfair

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I have to say I'm a bit confused about loans, and which type of loan you should take out for what. In the past I always assumed that if I ever needed a loan that I would just take out the cheapest option, and for a short period only to limit the amount of interest I would be paying. But when it actually came down to it, I figured out that there was more to look out for in a lender than just cheap rates. Wizzcash offered the whole package in my opinion - a better repayment scheme than their competitors, an honest responsible lending practice which showed that they cared about their clients, and they did offer great cheap rates too.

Review posted by Kat Huffington

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I knew that Wizzcash was right for me because they offer the best deals out there. A few of the comparison sites I found put them right at the top for having the most flexible deals and competitive APR rates.
I wanted good value for money, which is why I went with Wizzcash, but I learnt that it's not just all about the money with this company. They call themselves a 'responsible lender', and by this they mean that they will only lend people an amount of money that they can actually afford to repay within the time they select - and paying it back over three months instead of just one makes quite a difference.

Review posted by Lucy Nesbitt

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When I wanna get a payday loan I normally ask me mates who they're using at the mo - I know they all get them a lot, so I just ask them who is best. I know there's all these fancy sites about where you can find out who is best to get your money from, but I don't really understand all that. Stacey told me to go get my payday loan from Wizzcash cos she could pay back her loan over three months or something, so it was more easy. When I went on their website it didn't take me long so I would say yeah they were easy to use. Stacey said they are the best value for money as well - I think she knows how to use them comparison sites so she knows.

Review posted by Crystal Hakely

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Just take out a payday loan my friend said, like it was so easy. Taking out a loan like that wasn't something I thought I could 'just' do, I mean I would need to research all the providers, see who was good and who was bad, work out which companies eligibility criteria I comply with etc etc. When I first started looking online I was presented with a whole multitude of options, so I went back to my friend and asked how she had found it so simple. She gave me the address for the Wizzcash site, and now I understand why she made it out to be no big deal - with them it really wasn't, five minutes and I was done.

Review posted by Janet Millage

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Payday loan from Wizzcash:
Taking out a payday loans from Wizzcash was very easy for me. I am no computer pro, so wasn't convinced I would be able to take out a loan by myself, without the help of my teenage son who is a total computer addict. I just got him to connect me to the Internet, and the rest I was able to do myself. I knew Wizzcash were the company I wanted to choose because my bestie ensured me that they were top on the comparison sites (I wasn't even about to start trying to find and use one of those), so I had the web address written down already and just followed the instructions on the website. It was all very clever and I could even sign the loan agreement electronically.

Review posted by Sue Benetton

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I don't take out loans all the time or anything, but I'm not a total stranger to payday loans either. It's not really something I like to discuss, because my spending habits are my biggest weakness - when there's money in my account I don't budget accordingly and then sometimes it's all gone way before I'm due to receive my next wages. So that was the predicament I found myself in yet again in February, and not wanting to mess up my money for March too, I took out a payday loan with Wizzcash. The reason it won't mess with my March money too much is because I can pay it back over a total of three months, not all from my March pay cheque, which is going to make things a heck of a lot easier.

Review posted by Lindsay Cottil

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I use Wizzcash because unlike some other payday loans I can pay it back in 3 instalments. It may be that I could find a payday loan with a lower interest rate but I don't mind paying a slightly higher rate overall because the 3 instalment option makes things so much easier for me and it also means I can afford to borrow more than I could with a regular payday loan where the whole loan had to be paid back in one go. I used to do that but sometimes found I was struggling with my finances again until the next pay day but that hasn't been the case since I started using Wizzcash so for that reason I am going to stick with them and I have recommended Wizzcash to some of my friends who have had similar problems with regular payday loans.

Review posted by Warren Coates, London

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My experience with Wizzcash was simply too good not to share, and that is not a statement I make lightly.

First of all, I'd heard a few bad things about payday loans trapping you in a cycle of debt, because if you don't have enough money to get through one month, who's saying it will be any easier the next month. Wizzcash are all about being a responsible lender, and give the impression that they want to offer the best service that will help you, not trap you.

Secondly, they don't expect you to payback your loan on your next payday, as the term payday loan normally suggests. They provide a plan that lasts three months, so that you won't find the next month (after taking out the loan) really hard.

Finally, the APR rate! They're top of the league tables when it comes to this, so I saved myself money by choosing Wizzcash instead of someone else.

Review posted by Bill Flannagan

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I would recommend Wizzcash to anyone who is looking for a payday loan but has experienced problems with making the one off repayment that most payday lenders stipulate. That was the main thing I found was the problem for me and so I did a bit more research for this current payday loan and found Wizzcash. This is going to work out brilliantly for me because Wizzcash have approved a loan for quite a bit more than I would normally borrow but they have given me the 3 instalment option so I am certain not to have any problems making these repayments. I really wish I had found Wizzcash sooner but now that I have I will be using them all the time from now on.

Review posted by Cassandra Pike, Lewisham

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It was not foreseen that I become short of money before my wages were next due to be transferred into my account, but a lot of unforeseen things had come up that month which had led to my normal budgeting going out of the window. Sometimes life throws things like that at you, and it's just how you deal with those kind of situations that matters. I dealt with my situation by going to Wizzcash and getting a payday loan. When I told my mum that, her immediate reaction was 'what a stupid thing to do', but what she didn't realize is, I'm not paying my loan back just on my next pay day... I will be making repayments spread over my next three paydays, which is not bad at all. Wizzcash really helped me deal with that months problems in the best way possible.

Review posted by Jay Rochley

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OMG being able to borrow enough to pay for my holiday to Marbella this summer is the best thing ever and what's more I am doing it with a 3 instalment payday loan from Wizzcash. I've been using them for payday loans for quite a while now but this is the first time I have opted to pay back the loan in 3 instalments instead of the usual one repayment. So this is kind of like a proper loan that I would normally try to get from my bank but with a lot less hassle I bet. I am definitely going to use the 3 instalment option again maybe in time for Christmas.

Review posted by Hannah Fletcher, Croydon

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I always make sure I apply for my payday loans when I am at work because the internet connection at my flat is cr@p and it takes twice as long. Because I use payday loans quite a bit I am continually trying out different payday lenders to see who is the best. By the best I mean who is cheapest and quickest. If I can't be guaranteed my money the same day then that lender is a no no for me. If the rate they are charging is higher than the average then that is a no no for me too. So far this Wizzcash loan looks to be ticking all the right boxes so I just might be using them again.

Review posted by Jeff D'Courcy, Streatham

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I've used Wizzcash before, several times in fact but I've never bothered to post a review before. I am only posting this review because I realised that online companies rely a lot on getting good reviews and because I have always been really happy with the loans I have had from Wizzcash I don't want them to change their format and terms and conditions because they really suit me. Maybe if more people posted good reviews Wizzcash would be able to offer even better payday loans because of their growing success. That way we would all benefit wouldn't we? Even if you post a bad review Wizzcash would be able to see where they can improve their service. Either way posting a review is a good thing to do I think.

Review posted by Clare Bowyer, Croydon

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Thanks to modern technology getting a loan from Wizzcash can be done in less than a day from start to finish of the application process. I tried applying for a payday loan first time round after reading the Wizzcash website and it worked really well so I am happy to keep using Wizzcash. I generally find I need a payday loan when I am at work and so being able to use my lunch hour to apply for the loan and then have the cash in my bank account before leaving the office is a really handy aspect of the loan for me and for that reason I will continue to use Wizzcash.

Review posted by James Prendergast

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My only gripe with Wizzcash is that they process 90% of the loan really quickly and then when it comes to the loan agreement being reviewed by a member of the Wizzcash team it can take hours depending on whether or not there is someone on hand to review your loan straight away. My first loan went through really quickly but this second loan has taken over 24 hours. I applied yesterday at 1pm and only got the cash this afternoon at about 3pm. I appreciate that for 8 of those hours I was sleeping like most people do, but I would have thought I could have expected the money this morning by 12pm at least. It was no major problem for me but it was an inconvenience so I just wish Wizzcash had warned me about the delay and I would have made allowances for it. Apart from that I like the way Wizzcash operate so if they can sort out the review process and guarantee it will be quicker that would be great.

Review posted by Terry Jackson, Elmers End

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There are a few different options when you need to get money instantly, but normally you will pay the price in order to get that privilege. If it's fast it won't be cheap, and if it's cheap it won't be fast. Well Wizzcash broke that stereo type for me, and gave me THE best rate I could find, and they were super speedy about it. There was no messing about with sending a contract via snail mail, or a courier or whatever, I 'esigned' the loan agreement and we were away. Things are constantly changing in the money borrowing market, but I think for now it's fair to say Wizzcash are one of the best out there.

Review posted by Lorna Gislop

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I chose Wizzcash because I thought wizz would mean fast but it didnt and I ended up having to wait 48 hours for my money. I dont no why it took so long because I did everything they asked and even signed the agreement as soon as it came through. I am not sure if I will use Wizzcash again because waiting 48 hours really was a big deal for me. It would have been nice to have the money within 24 hours like most of the other payday lenders but one good thing about Wizzcash was they were cheaper than the last payday loan I had from Wonga.

Review posted by Jade Cooper, West Ham

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To find a payday loan with a duration of 90 days was like the ideal solution for me, because getting stuck in that payday loan rollover rut is a tough one to work your way out of, or at least that's how I've found it to be. A lot of lenders give you the option to rollover, and at the time you think ahh isn't that nice of them, giving me some extra time, but the rates are high and when I look back on it I feel like they took advantage of me feeling like I had nowhere else to turn. I guess business is business at the end of the day, and it's how they make money, but Wizzcash never made me feel like that. I knew they would be different as soon as I started reading about them on their website, and now there's no going back for me - I will always use Wizzcash if I need a loan.

Review posted by Coral Fretlin

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I gave up with this loan application. It was all too time consuming and fiddly. I thought Wizzcash would get me my money in a wizz and not expect me to have to scan a load of stuff and then wait for hours to find out if I had got the loan. I have used a few other payday lenders before and none of them were asking me to do so much just to get a small payday loan. It really wasn't worth the effort and I won't be using Wizzcash again any time soon which is a pity because their interest rates weren't too bad!

Review posted by Drew Finlay, Potters Bar

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I was watching tele the other night with the wife, like always - we never get up to owt fun anymore. This advert for some kinda loan came on, and it was annoying with its little jingle and usual jargon about what to do if your find yourself in debt. My Mrs went all quiet and had this sheepish look on her face. When you've been married as long as us to have its plain to see when there's something fishy going on. I questioned her about it, and she confessed getting herself into trouble with payday loans. After a lot of discussion, and I won't lie, a fair bit of arguing too, we managed to sort it all out, and then we sat down together to find a responsible payday loan provider, that won't rip us off like the others have, for if she ever needs to get one in the future. She's made a promise to me that if she absolutely has to, she will take a loan with Wizzcash, because they have the best interest rates and don't expect you to pay the full amount back all in one lump sum. Do your research guys - don't get caught out!

Review posted by Nicholas Pike

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What's really troubled me with payday loans in the past is adjusting your spending accordingly the following month. It's all well amd good thinking oh yeah I'll just get my wages a couple of weeks early – that'll make life easier, but then you have to think about making that money last six weeks, whereas you would normally only need to make it last four (plus you've got the added interest to factor in somewhere). That's why I liked Wizzcash really, simply because of the way you repay the loan with them. I mean don't get me wrong, that wasn't the only good thing about them, it was just what made them stand out from the others.

Review posted by Freida Portman

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I really tried to keep my cool when my boss docked my wages last month, but it was because of something that had happened that wasn't even my fault, and now I was going to be the one that had to pay the price for it. Even worse than that, was that I was already relying on getting my usual amount of money – and needed it to get various bills paid. It's for things like this that Wizzcash can be really helpful with. I was going to go for a standard payday loan, but actually their 90 day option sounded like it would be more manageable, and looking back now, there's no way I would have been able to repay everything all at once.

Review posted by Della Burkins

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My vote for best payday loan lender has to go to Wizzcash. I haven't tried all the lenders on the market (yet) or anything like that, but I have tested a fair few of them – clearly still haven't got the hang of making my money last the whole month, although I'd like to say I'm better with it now than I used to be! So why do I choose Wizzcash now... 1. They let me pay back over three months, other lenders made me pay back after one. 2. I could complete the process online. 3. Taking out a loan with them won't cost the earth. I could go on but I think I've listed the important points, and if those are things that are important to you too, I would say go for Wizzcash.

Review posted by Yola Jickley

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Well I made one huge mistake before, by taking out a payday loan from a money lender that I knew nothing about. Now that I think back on it, I realise I was asking for the trouble I received, but back then I just thought a payday loan was a payday loan, and they were all pretty much the same. I decided I wanted to pay back my loan early, because I had over estimated the amount I needed, and wow did I get a shock – a huge fee for early repayment. I wasn't prepared to make such a stupid mistake second time around, so spent literally hours finding the very best provider – Wizzcash. They have no hidden charges, no penalties if you want to pay back early, and by the looks of it they've got one of the best rates when compared against their competitors too.

Review posted by Karl Bludger

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There's 30 days in a month, well alright sometimes there's 29 and sometimes there's 31, but the point I'm trying to make is: a month is always a month, it never changes much, so I don't know why I still have a problem with making my wages last that length of time. It's not like I have huge bills or anything, I am just crap with my money! I've become a bit reliant on payday loans because of that, and am trying to cut back and sort my finances out. Taking out a loan with Wizzcash has actually helped me in a way – because I am paying back my loan in three parts, I can get out of the bad habit, and try to put a bit of money away from each pay cheque with the intention of starting a savings account.

Review posted by Sian Rockfort

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