Cash Genie review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Cash Genie suits UK borrowers who need a small short term cash loan paid out fast, and suits nobody else. It is a direct lender offering £75 to £750 over 1, and the price of that speed is an APR of 2,339%, far above the 12% typical of the wider market.

Key facts

Best for
A small cash need covered for a single month, repaid as soon as payday lands.
APR
2,339% (Source, checked September 26, 2026)
Loan amount
£75 to £750 (Source, checked September 26, 2026)
Term
1 month (Source, checked September 26, 2026)
Arrangement fee
0 (Source, checked September 26, 2026)
Funding time
same day transfer available; 3/4 days free if you wait (Source, checked September 26, 2026)
Representative example
1 month loan: Amount of credit: £150.00, Amount of days: 30, Total amount payable: £195.00, Interest: £45.00, Interest rate: 360% PA (fixed) (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
18 or over, employed, earn at least £500 per month, UK resident, current bank account with a debit card (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Payday, Personal, Cash-advance (Source, checked September 26, 2026)
Legal entity
Cash Genie UK Limited (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
cashgenieloans.co.uk

Pros and cons

Pros

  • No arrangement fee: 0 in fees and 0% as a percentage
  • Fast payout: same day funding with same day transfer available; 3/4 days free if you wait
  • direct lender means you deal with the firm that lends the money, not a broker
  • Support runs on phone and help centre

Cons

  • The APR of 2,339% sits far above the 12% across the market
  • Borrowing is capped at £75 to £750, below the €876.96 typical amount
  • The term is 1, so any delay in repaying leaves a much larger balance

Ready to try Cash Genie?

Scored 8.9 / 10 by BorrowCue.

See alternatives

Who it suits

  • UK adults in work with a current account and debit card who need cash within the day
  • Borrowers who will repay in full at their next payday, whatever the rate
  • Anyone comparing short term cash advance apps and wanting a named lender rather than a broker

Who should look elsewhere

  • Anyone borrowing to spread a larger cost over months: 1 is too short and £75 to £750 too small
  • Borrowers who want a cheaper rate: Monzo Flex charges 10% to 23%
  • Borrowers who want longer terms to spread repayments: Monzo Flex runs a longer product at 10% to 23%

How your money is protected

Cash Genie is a direct lender, so the borrower deals with the firm that makes the loan rather than a broker, and every repayment goes back to the same lender. The published representative example runs for 1 at a fixed rate, with interest added to the amount borrowed and the full balance due at the end. Keep a close eye on that example, because the cost sits entirely in the interest.

How it compares on our data

On the data here, Cash Genie sits well down the field. It ranks 568 of 685 on loan amount, 346 of 350 on APR and 211 of 232 on term. The term ranking is the tell: this is a very short product, priced for speed rather than for cost.

How Cash Genie compares

Where Cash Genie is available

Available
United Kingdom

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate do I pay on a Cash Genie loan?+

The APR is 2,339% on a fixed rate, and the term is 1. A published example shows the interest charged over a short single month loan, so the headline rate is the rate you pay. That sits far above the 12% typical across the market.

How much can I borrow?+

Loan amounts run £75 to £750 under a direct lender arrangement. The market median for amounts is €876.96, so this covers a smaller need than most lenders. Eligibility also asks for adults in employment earning a set monthly income, UK residency, and a current account with a debit card.

Are there any fees to arrange the loan?+

The arrangement fee is 0 and the percentage charge is 0%, so there is nothing to pay for setting the loan up. The cost sits in the interest, which on a 1 loan is charged over a very short period. Read the published example before you apply.

How fast do I get the money?+

Funding time is same day transfer available; 3/4 days free if you wait, and same day funding is a listed feature. If you would rather not pay for speed, the free option takes longer than an instant transfer. Being a direct lender means there is no broker layer adding delay between you and the payout.

Who do I deal with and how do I get help?+

The contract sits with Cash Genie UK Limited, and Cash Genie is a direct lender, so you deal with the firm that lends the money rather than a broker. Support runs on phone and help centre, so a repayment date can be discussed with them directly. The published representative example shows what a 1 loan costs in total.

What kind of loan is this?+

It is listed as a direct lender offering payday, personal and cash advance lending, all on a fixed rate. The term is 1, which is the shortest in the set, so it suits a gap between paydays rather than a planned purchase. The amount available, £75 to £750, keeps it in short term territory.

Who can apply?+

Eligibility asks for adults in employment with a minimum monthly income, UK residency, and a current bank account with a debit card. Payouts run to that account, and borrowing runs £75 to £750 under a fixed rate, so the amount you qualify for sets the cost.

How does the cost compare with other lenders?+

On APR, Cash Genie ranks 346 of 350 in this data set, at 2,339% where the wider market sits at 12%. For a cheaper option, Monzo Flex quotes 10% to 23% over a longer term. On amount, this lender ranks 568 of 685.

Sources

Compiled from 2 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check.

Cash Genie

A small cash need covered for a single month, repaid as soon as payday lands.

8.9/10See alternatives

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