About Us

iDosh is a fast, convenient and professional online lender. Our mission is to help people get the cash they need, when they need it, in a way that’s responsible, up-front and efficient.

We have a Consumer Credit Licence from the Office of Fair Trading 644905, and are members of the BCCA. Our BCCA number is 5284. Our ICO number is Z2784366.

What is an iDosh loan?

An iDosh loan is very similar to a short-term cash advance. If you’ve got an urgent cash-flow issue that won’t wait until payday, an iDosh loan can help to temporarily give your bank balance a short term boost.

We won’t ask you to wait in line or spend hours on hold when you apply for a loan – in fact, all you have to do is spend a few minutes filling out our online application, and we'll carry out a super-fast credit check.

We usually make an instant decision on applications, but if your application isn’t instantly approved then we will contact you, and in rare cases you may need to fax us some additional information. If your application is approved, you can sit back, relax, and wait for the funds to be transferred directly into your account.

We offer a faster payments service, so the cash can be with you on the same day, for a standard £5.50 transmission fee. †

Why iDosh?

At iDosh, our online loan process is simple to understand and completely transparent, with no hidden charges or fees. Here’s a quick-fire guide to how our service works:

• First time-customers can borrow between £100 and £400, and returning customers may borrow up to £1000

• Loans can be for a minimum of 8 days and a maximum of 37 days, depending on the date of your next payday. We don’t provide loans for less than 8 days, so if your payday is less than 8 days away, you’ll pay back your loan on your following payday

• We charge a flat rate of £30 per £100 borrowed

• If you need same day payment, we offer this service with a £5.50 transmission fee, which is deducted automatically from your loan amount

We’re dedicated to giving our customers the best service possible, using cutting-edge technology to make our loan approval process fast and convenient. When it comes to paying your loan back, we’ll take the repayment directly from your debit card on the agreed date – so all you have to do is make sure the funds are available in your account.

We’re flexible

We understand that circumstances can change quickly, so if you find that you can’t afford to pay back your loan on your next payday, we may be able to extend your loan to give you some extra breathing space.

If you need to extend your loan, give us a ring before the due date to speak to one of our customer advisers. We may be able to arrange an alternative repayment date with you, although this is subject to our discretion. We will also ask you to repay your interest and a small amount of your loan. For more information, see our comprehensive FAQ guide.

Our commitment to responsible lending

iDosh is fully committed to responsible lending, which means that we won’t lend to people who we believe can’t afford it. For this reason, we take steps to verify information on all applications and we carry out credit checks on all applicants.

We’re not interested in keeping people in debt, and we want to make sure that all our customers can repay their loans comfortably, without it having a negative impact on their overall financial situation.

We consider each application individually, based on your current circumstances, so we can never guarantee to approve an application, even if you’ve successfully taken out a loan with us in the past.

What is responsible borrowing?

It’s never a good idea to rely too heavily on credit, which is why we encourage responsible borrowing. iDosh loans aren’t a long-term solution for big financial problems – they’re a quick and convenient fix for those occasions when your budget is more stretched than usual, providing you with fast cash when you don’t have time to wait for your bank.

If you regularly find yourself low on cash at the end of the month, the chances are that taking out a payday loan will only leave you with another shortfall the next month. Before you apply for an iDosh online loan, make sure you’re certain that you can afford it, and that you’ll definitely be able to repay your loan on the agreed date.