Borrow up to 700 - cash personal cheques is quick, simple & reliable

Use as a pay day loan, short term loan or cheque book loan

Get the credit you deserve!


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Cash personal cheques - Turn your own cheques into cash


Every 100 cheque gives you 85 cash. Its easy to apply. High acceptance rate.

Eg. Send in 3 x 100 cheques = 255 cash; 4 x 100 cheques = 340 cash; 5 x 100 cheques = 425 cash.

Money transferred into your bank account the same day your cheques arrive.

England & Wales only. Express payout. Many satisfied customers.

A simple way of obtaining a pay day loan, short term loan or cheque book loan - here's how

Step 1 Apply Online
Step 2 Wait for email reply or phone 02380 585011
Step 3 Supply information as requested then await approval to post off cheques

Step 4

Cash in your account

All cheques and copies of documents sent are held securely.

Take the loan out and repay at next pay day or request to leave the cheques un-banked and pay monthly at

20 on account per 100 cheque (or pro-rata for the first month and the balance in the final month*).

Typically the maximum term where the cheques are continuously un-banked is 8 or 9* months.

Interest is charged daily at 0.8% on the amount advanced up to a maximum amount

never exceeding the amount advanced.

You may settle the loan at any time by requesting a settlement quotation. Interest charged is time dependent.


Cashing personal cheques with delayed presentation is a popular way of raising money.

Many people cash personal cheques. Used by thousands of customers throughout England & Wales, you'll find it

a simple and reliable way of borrowing over a short term.

8 No bank or work contact 8 Quick and easy application 8 Minimal paper work req 8 No 'roll ups'

8 Safe and secure 8 Good or average credit history considered 8 Thousands of satisfied customers since 1991

Southampton Cheque Exchange

54A, Portswood Road, Southampton SO17 2FW 02380 585011


Warning: Late repayment can cause you serious money problems.

For help, go to

Transparency and fair treatment of borrowers principles

A high cost short term loan is not suitable for sustained borrowing over a long period and is expensive relative to

other forms of credit. We do not target borrowers who may be vulnerable by virtue of their current or past

indebtedness, age, health or disability or any other reason.

Financial implications

The representative %APR is 1221.50% fixed. This is based on a tendering a 100 cheque, drawing down 85

and repaying 30 days later (see t's and c's for method of calculation).

The APR will be considerably higher if (a) the period from draw down to repayment on the next pay day is shorter

than one month; (b) repayment is made after making one or a series of monthly fees after the first pay date and

up to month 4; (c) repayment is made in part or in full; (d) the account falls into default and charges are added;

(e) change of payment date; (f) the account is subject to rollover, arrangement, or repayment plan.

New advances from Jan 2nd 2015 - Implications of non payment and default - a cap of 15 applies.

(Previous fee scales apply for existing accounts taken out prior to this date).

Collection practices will mean trying to resolve a default using a simple reminder to instructing court action.

A default will impact on your credit score as non payment is recorded at the credit reference agencies.

Renewal policy is not applicable to this product.