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The UK’s leading unsecured credit direct lender

Here at Cashfloat, we approve a new customer every 2 minutes. Don’t go with cheap imitations – get your money from the industry’s most trusted lender.

100% online, fair & safe.

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Choose a product to start
Cashfloat Payday Loans 2.0
RAPR: 529.09%
Duration: 3 to 6 Months
Amount: £500 – £1,000
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  • Bad credit welcome
  • Always a direct lender
  • Repay early anytime
  • Max usage twice per year
Representative example:
Borrow £900 for 7 months. 1st monthly repayment of £187.92, 5 monthly repayments of £250.56, last monthly repayment of £125.27. Total repayment £1,565.99. Interest rate p.a. (fixed) 198.72%. RAPR 529.09%
Cashfloat Personal Loans
RAPR: 295.58%
Duration: 6 or 9 months
Amount: £1,000 – £2,500
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  • 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%.
Relaxi Debit Card
RAPR: 99.06%
Duration: Per your needs
Amount: Flexible
Coming soon
  • Existing customers only
  • Full flexibility
  • No need to re-apply
  • Cheaper than loans
Representative example:
Borrow £1,800 for 12 months. 12 monthly repayments of £213.60. Total repayment £2,563.20 RAPR 99.06%. Our APR includes all applicable fees. Daily interest is capped at 0.19%.
Warning: Late repayments can cause you serious money problems. For help go to moneyadviceservice.org.uk
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4.0
out of 5 stars
based on 82 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!

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Payday Loans 2.0

Small Loans over a Short-Term
£500 – £1,000 over 3-6 months

Cashfloat’s payday loans are designed for emergency use. We’ve improved our product over the years, allowing customers to borrow money super fast, even with poor credit scores. With Cashfloat Pro – introduced in 2019, repeat customers are encouraged to break the cycle of payday loans, and are offered bigger loans with lower interest rates. Of course, all payday loans can be paid early to save money with no penalty.

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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 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 and between 9 am to 4 pm on Sundays and Bank Holidays 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!

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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
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