Short Term Loans from £200 – £1100

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Get your money today, if approved!
  • Bad credit welcome
  • We’re a direct lender
  • We’re UK based!

Are you looking for a fast short term loan with easy repayments?

You’ve come to the right place! Cashfloat’s short term credit facility is designed to provide fast loan payouts in emergency situations. Our flexible plans mean that you can borrow loan amounts up to £1,100 online and repay in easy monthly instalments. Apply now and get an instant decision!

Apply now for a fast loan from a direct lender!

We’re a direct lender

Get your loan directly from the source. No middlemen, no confusion, no hassle! We are a trusted UK lender, and we’ve already helped over 40,000 people with our direct loans.

Experience fast online credit

With our fully online loan process, your bank account can get funded within just a few hours of applying. No fax needed, no guarantor necessary. In fact, no paperwork whatsoever.

We provide loans for bad credit

If you have a poor credit history, you can still get approved for a loan with us. Although we carry out a credit check, we care more about whether you can afford the monthly repayment or not.

Warning: Late repayments can cause you serious money problems. For help, go to

Representative example: Borrow £500 for 4 months, 4 monthly repayments of £215.81. Total repayment £863.24, interest rate p.a. (fixed) 270.10%. RAPR 997%.

What are short term loans?

Short term loans are small personal loans that can be borrowed online in one lump sum but repaid in monthly instalments. They’re called ‘short-term’ because they only span over a short period compared to bank loans. You can check out our How it Works page to find out exactly how the online loan process works.

Is a payday loan the same as a short term loan?

A payday loans is traditionally repaid in one lump sum on your pay day, while a short term loan is repaid in instalments. Technically, there is some area of overlap seeing as pay-day loans also only span over a short term period and can therefore be categorised as short term loans. At Cashfloat, we offer safe payday loans (repaid in one lump sum) as well as short term loans (repaid in instalments).

Keep in mind that although a short term loan will have more manageable repayments, it can end up costing more than payday loans, as you need to pay interest for every additional month you have the loan. Still, short-term credit provides more breathing space, leaving you more money at the end of each month for other expenses.

What should I use a short term loan for?

Ideally, short term loans online should only be used in an emergency. For example, if an unexpected bill crops up – like an urgent car repair – a short-term loan could be a great pay day loan alternative. As the name suggests, short-term credit is designed to help fix a short term money problem and should never be used to try and solve a long-term debt problem.

Apply now for short term credit!

Why get a loan from Cashfloat?

Cashfloat is a responsible direct lender that has quickly gained the trust of thousands of UK consumers nationwide. Above all else, we are committed to providing outstanding customer service and being there for you at every step of the loan process.

  • Same day funding. If approved your bank account can be funded in as little as 1 hour
  • Pay back early without paying any extra fees or penalties
  • Manage your account 24/7 online and through our mobile app
  • Only pay interest for the days you had the loan. If you pay early, you save.

Borrowing a short term loan with us is super easy, mainly because everything is done entirely online. All you need to do is fill out a simple application form, and you will get an instant decision. So, what are you waiting for?

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