Get a Cashfloat loan today.

Welcome to Cashfloat, one of the UK’s leading direct lenders. We provide online loans between £300 – £2,500 for people with all credit scores. Borrow money with peace of mind from a brand you can trust.

Borrow between £300 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
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Cashfloat Payday Loans
Representative APR: 611.74%

Minimum APR 295.58%, Maximum APR 1294%.

Duration: 3 to 9 Months
Amount: £300 – £1,500
  • 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
  • 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
  • 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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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
Head of Collections

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
Head of Underwriting

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
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 5.30 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.

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.