LOOKING FOR A CASH LOAN?
Do you need a cash loan? Ramsdens can help you borrow cash with a selection of options!
If you want an in-branch loan, click on one of the Ramsdens loan options below where all details will be fully explained.
If you want an unsecured loan where you apply and manage your account online, simply click on the Satsuma link below. Satsuma Loans is a trading style of Provident Personal Credit. Ramsdens do not issue the loan to you but acts as a credit broker introducing you to Provident Personal Credit Limited trading as Satsuma. Ramsdens will not charge you anything but may receive a commission from Satsuma Loans.
Ramsdens, helping you find the loan you need.
CHOOSE your loan...
*** Ramsdens do not issue the loan to you but acts as a credit broker for Loans 2 Go Ltd.
* Existing/Previous loan customers may apply for larger loan amounts subsequently
** All loans subject to an affordability assessment
Applicants must be UK residents and over 18 years of age
Which cash loan is best for you?
Choosing the most suitable cash loan option can seems daunting, with so many different lenders and types of loans available.
To help you make the decision of which type of loan is most suitable for you and your needs, we will outline what a cash loan is, how cash loans work including an overview of the different types of cash loans available to you at Ramsdens.
What is a cash loan?
A cash loan is a cash advance which can either be paid directly into your bank account or given to you in person in the form of a physical cash lump sum.
The types of loans available from Ramsdens are short term loans secured on items of gold, silver, diamond jewellery, luxury watches and selected electronics. You can choose a Logbook Loan whereby a loan is secured against your vehicle* and you can keep driving it as usual.
If you don't have an items to secure a loan against, you can opt for an unsecured loan, where you apply for a loan online**.
How do cash loans work?
Depending on whether you choose a secured or unsecured loan, will determine how your cash loan will work:
How secured loans work
You will have an item such as gold, silver or diamond jewellery, luxury watches (a Pawnbroking Loan), selected electronic items (a Buy Back) or a vehicle* (a Logbook Loan). The amount of the loan you are eligible for is completely dependent on the item provided as security. When handing over your goods for a Pawnbroking Loan or Buy Back, Ramsdens will always keep your item(s) safe and secure until your loan is repaid. Your items will be returned to you once your loan is repaid.
How unsecured loans work
You will choose an amount of cash that you would like to borrow and a term which you wish to pay the loan (plus any interest and/or fees where applicable) back. If your loan application is successful you will receive a loan amount into your bank account and a repayment schedule will also be set up for you.
Choosing the right loan
I want to...
Get a short term loan against my Jewellery - Pawnbroking Loans
A Pawnbroking Loan is a short term loan secured against your jewellery or luxury watch. You can also benefit from total peace of mind that your jewellery is in safe hands as Ramsdens are one of the UK's largest independent Pawnbrokers.
How long do I have to repay the loan?
A Ramsdens Pawnbroking Loan has a loan term of 5 months. During the loan term you have the choice of either repaying the loan in full (including any accrued interest) or making payment of any amount at any time that suits you. Full Terms and Conditions can be found on our Pawnbroking Loans page.
How do I apply for a Pawnbroking Loan?
You can currently only apply for a Pawnbroking Loan with Ramsdens by visiting one of our branches throughout the UK.
Loan against my mobile phone or tablet - Buy Back
Borrow cash today on electrical goods such as a mobile phone (all makes considered) or tablet (Apple or Samsung only). Simply bring your item to your local Ramsdens branch where our staff will value your item instantly and give you cash.
How long do I have to repay the loan?
You have up to 31 days in which to Buy Back your item(s) for the price we paid you for them. (A small interest charge^ is applied).
^Terms and Conditions apply.
How do I apply for a Buy Back?
You can currently only apply for a Buy Back with Ramsdens in branch. Visit our Buy Back page for more information.
Loan against my vehicle - Logbook Loans*
With a Logbook Loan you can get a flexible cash loan which is secured against your vehicle and you can keep driving it as usual through the period of your loan. You can choose your payment frequency and the term that best suits your needs and can decide to settle the loan early too if you want.
How much can I borrow?
You can borrow any amount from £400 to £25,000. The amount you can borrow will be completely dependent on the value of your vehicle and how much you can afford to pay over a weekly or monthly period.
How do I apply for a loan against my car?
Applying is quick and easy and you could have the money you need the same day, anywhere in the UK. Apply now and drive away with money today!
Get a cash loan that isn't secured on an item
If you don't have or don't want to use your jewellery, electronics or vehicle to secure a loan, you can apply for an unsecured loan* here.
If you require further information on any of the Ramsdens Loans services, please contact your local branch.
* Ramsdens do not issue the Logbook Loan to you but acts as a credit broker for Loans 2 Go Ltd.
** Ramsdens do not issue the loan to you but acts as a credit broker introducing you to Provident Personal Credit. Ramsdens will not charge you anything but may receive a commission from Satsuma Loans.