Get a Cashfloat loan today.

Welcome to Cashfloat, one of the UK’s leading direct lenders. We provide online loans between £250 – £2,500 for people with all credit scores. Borrow money with peace of mind from a brand you can trust.

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Borrow between £250 and £2500 over 3 to 9 months. Rates between 295.58% APR and a maximum APR of 1294%. Representative APR 611.74%.

Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk

Compare our loans at choosewisely.co.uk

Choose a product to start

Cashfloat Payday Loans

Representative APR: 611.74%

Minimum APR 295.58%, Maximum APR 1294%.

Duration: 3 to 9 Months

Amount: £300 – £1,500

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Bad credit welcome
A direct lender since 2014
Repay early anytime
No upfront fees

Representative example:

Borrow £700 for 6 months. 1st monthly repayment of £168.45, 4 monthly repayments £224.60, last monthly repayment of £112.20. Total repayment £1,179.05. Interest rate p.a. (fixed) 185.39%. Representative APR 611.74%. Daily interest is capped at 0.798%. Representative APR includes all applicable fees.

Cashfloat Personal Loans

Representative APR: 295.58%

Minimum APR 112.5%, Maximum APR 311.95%.

Duration: 6 or 9 months

Amount: £1,000 – £2,500

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Fair credit score
Quick online decision
Lower interest
No Guarantor needed

Representative example:

Borrow £1,200 for 9 months. 9 monthly repayments of £226.33. Total repayment £2,036.97. Interest rate p.a. (fixed) 145.71%. Representative APR 295.58%. Our Representative APR includes all applicable fees. Daily interest is capped at 0.47%.

Cashfloat Business Loans

Representative APR: 49%

Minimum APR 32.3%, Maximum APR 99%.

Duration: 1 to 18 months

Amount: £1,000 – £100,000

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For directors and business owners
1 day decision
Same day funding
Read more here

Representative example:

Borrow £10,000 for 12 months. 12 monthly repayments of £1,025. Total repayment £12,294. Representative APR 49% with an interest rate of 40% p.a. (variable). Our Representative APR includes all applicable fees. Cashfloat acts as a credit broker, not as a lender with our business loans product. We will help you find the best rate from our panel of lenders. Cashfloat do not charge a fee for this service, but we do earn a commission. This will not influence the interest rate you are offered in any way.

Cashfloat’s Affordability Calculator

Check your affordability before applying.

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Calculate your affordability in 2-3 minutes
No need to fill out the information again on application form
Ensure you will easily afford loan repayments before applying

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based on 44 reviews

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out of 5 stars

based on 117 reviews

Trustpilot

4.5

out of 5 stars

based on 185 reviews

Our mission is to create fair financial models to get more people the money they need quickly.

We’ve already helped over 100,000 people in the UK to get the money they need fast. You can read some of the reviews our customers have left us on any of the leading review sites online!

Meet our customer success team

Meet the incredible team working behind the scenes to get your loans safely delivered to your bank account since 2014! If you have any questions or concerns, please feel free to reach out to us. Our team is UK based and readily available Monday to Friday from 9am to 5.30pm.

Peter Kimpton

Chief Operations Officer

Peter Kimpton, a highly esteemed financial expert, joined Western Circle in 2016 and has orchestrated and steered its operations in the UK and Europe with unparalleled expertise.

Richard Sherlock

Compliance Officer and Data Protection Manager

Richard has 15+ years of finance experience across banking, consumer credit, and enforcement, specialising in credit compliance, collections, and underwriting.

Julie Darmudas

Director & Chief Regulatory Officer

Julie Darmudas, a Certified Fellow Compliance Practitioner and Chartered HR Practitioner, has 30+ years in consumer credit, specialising in regulatory strategies and compliance.

Mark Neighbour

Collections Manager

Mark has worked in the Short Fixed Term Loan industry customer service for over 15 years. With vast experience in Collections, Debt Management and IVA sectors.

Cheryl McKenzie

Underwriting Manager

Cheryl switched from fitness to finance 20 years ago. As head of our underwriting team, she makes sure our team is lending responsibly and fairly.

Easy-Start feature

All our payday loans come with an Easy-Start feature that allows you to reduce your first instalment, while also giving you an extra month to pay your loan at no additional cost. You can read more about Easy-Start on our ‘How it Works’ page.

Early repayment

Early repayment with no penalty

At Cashfloat, we charge interest only for the days you have the loan. If you want to repay early, there is no additional charge and you pay the same interest rate as if you held the loan to term. (By law we can add up to 28 days of extra interest on early repayment, which some UK lenders do)

Flexible Login Area

With Cashfloat’s login area, you can edit your details, make payments and close your loan early, among other things. The best part is that our savings calculator will tell you exactly how much you are saving when you make an early payment!

Our team is always here for you

You can contact us between 9 am and 5.30 pm Monday to Friday in any of the following ways:

0203 757 1933

info@cashfloat.co.uk

Office 8, 2a Highfield Avenue
London NW11 9ET

Responsible lending

We take our role as a credit provider very seriously and take every precaution to make sure that the loan is fully affordable and will not put you into financial distress.

We also encourage our customers to borrow responsibly, and only apply for a loan from us if you believe it is right for you.

Need to borrow money?

Fraud prevention

Credit scammers target vulnerable people looking for loans. Here at Cashfloat, we decided to take an active role in preventing fraud and scam attempts in the world of online loans by keeping an up-to-date log of all ongoing scams. You can read more about what we do at our Fraud Prevention Centre.

Visit the fraud prevention centre

Why choose Cashfloat as your lender?

Simply put, we care. Every person that we help is a success story for us, not just another statistic. We put every effort into making our process as fast and user-friendly as possible, with full support every step of the way. If you have any questions or concerns, please feel free to contact us.