Bank Overdraft

Bank overdraft or Cash Genie

Contemplating whether to use a bank overdraft or use a short term lender? Bank overdrafts are a good way of gaining fast cash, however are they as convenient as applying online for a loan and having the loan in the bank the same day? Cash Genie is a great alternative to borrowing from the bank, you can borrow however much you want between £75 - £750 and we will show you exactly how much the repayment will cost before you apply.

Improve your credit rating

Many websites and banks do credit checks to make sure they will get their money, however we believe it is fair to let customers borrow money to improve their credit rating. With Cash Genie, you can receive a fast cash advance and increase your credit rating if your payments are made on time, enabling you to apply for credit cards or further loans. To get your short term loan as soon as possible, the fastest way is online! Apply online and collect fast cash now.

Short term loan

The loan is also only a short term means of gaining extra finances until payday. This means the money will be paid back at the end of month, removing the temptation to keep the money and getting you further into debt from the bank overdraft. Even going into your bank overdraft a little bit, can get you further and further into debt with interest charges multiplying each day. Cash Genie encourages short-term borrowing and we are here to help with emergency cash for any unexpected purchases or events which can not wait until payday.

We are responsible

It is our responsibility to not lend to people who can not pay it back. This is all for your wellbeing and safety as we do not want you to get into debt, it is in our best interest to make sure you can pay the loan back to ensure we maintain a good relationship and receive the payment on your payday. Many banks leave you to go into debt, so you owe more money than you have to. We can set up with a repayment plan or roll over the loan to the next payday if you can not pay it back, your own account manager will guide you through the process to set you up with the best plan.

We're here to help! Our excellent customer service team will happily help you with any problems and to a consistent high standard. Also, it is you who is in control! We will give you the exact amount of money you want when you want it. A reminder will be sent to you 2 days before the payment is due to make sure you do not have to pay back any more than you have to. When payments are paid on time, your trust score increases and we can lend you more money and increased flexibility.