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

A payday loan direct lender for all credit scores

The Cashfloat team specialises in lending to borrowers with bad credit history. We’ve already helped over 150,000 borrow instant cash loans. Apply online now for £300 – £2,500 and get your money today, if approved.
100% online, fair & safe.

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk
Choose a product to start
Cashfloat Payday Loans
RAPR: 611.74%
Duration: 3 to 6 Months
Amount: £300 – £1,000
  • Bad credit welcome
  • Always a direct lender
  • Repay early anytime
  • Max usage twice per year
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%. RAPR 611.74%. Our APR includes all applicable fees. Daily interest is capped at 0.793%.
Cashfloat Personal Loans
RAPR: 295.58%
Duration: 6 or 9 months
Amount: £1,000 – £2,500
  • Fair credit score
  • 100% online decision
  • Low 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%. RAPR 295.58%. Our RAPR includes all applicable fees. Daily interest is capped at 0.47%.
Cashfloat Business Loans
RAPR: 49%
Duration: 1 to 12 months
Amount: £1,000 – £200,000
  • For directors and business owners
  • 1 day decision
  • Same day funding
  • Read more here
Representative example:
Borrow £10,000 for 12 months. 9 monthly repayments of £1,025. Total repayment £12,294. RAPR 49% with an interest rate of 40% p.a. (variable). Our RAPR includes all applicable fees.
Improve your credit score, live better.
Cashfloat Credit Repair
  • Personalised tips to improve your credit score
  • Alerts when changes have been made to your credit report
  • Customised credit improvement action plan
  • 14 day free trial
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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!

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Payday Loans Online

Small Loans over a Short-Term
£300 – £1,000 over 3-6 months

We started Cashfloat.co.uk with our first payday loan product, and we’re proud to still be providing payday loans online today. As a direct lender, we can offer loans direct to people looking for a fast decision, even if they have a poor credit score. Unlike other payday lenders, there is no minimum repayment period. Our bad credit payday loans can be repaid early to save money and there is no early repayment fee. Cashfloat.co.uk’s payday loans are designed for emergency use only, such as to cover unexpected bills.

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Cashfloat Personal Loans

Bigger Loans Over a Longer Term
£1,000 – £2,500 over 6 or 9 months

Cashfloat’s personal loans , introduced in 2020, give Cashfloat customers a chance to borrow bigger loans over a longer term. These loans are designed to help people with fair credit scores get out of payday loan cycles. Instead of borrowing several small payday loans as short-term money solutions, these loans can provide greater financial relief. Our personal loans are cheaper and can be repaid over a longer period, making them more manageable.

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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. Here are just some of the features we’ve developed to make our loans more flexible and manageable for you:
Easy-Start feature
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
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 pm Monday to Friday in any of the following ways:

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.

Wondering if you can afford a loan from us? Use our online affordability checker to calculate your disposable income!

Check now

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 attacks 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
Are you using a mobile device?
Check out our ‘Money on Demand’ app!
You can download the app for free to:
  • Quickly apply for a loan
  • Easily manage your account
  • Comfortably make payments