4.82 based on 904 reviews

Cashfloat Loans – the responsible UK alternative to generic payday lending.

When you need money fast, don’t settle for generic lenders. Cashfloat is an established UK direct lender (trusted since 2014). Borrow £250 – £2,500 with terms that fit your budget.

  • Trusted since 2014 – Part of Western Circle, authorised & regulated by the FCA.
  • Quick decisions – Apply in minutes, money often within 30 minutes.
  • Fair to all credit histories – We assess affordability, not just your score.
  • Clear, honest pricing – No hidden fees, no surprises.

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

Cashfloat Loans vs. Generic Payday Loans:
A Better, Safer Way to Borrow

Not all loans are created equal. While generic payday and short-term lenders offer quick cash, they often lack the features and flexibility borrowers truly need. Cashfloat Loans are built differently — designed to give you control, protection, and a smoother repayment experience. Here’s how we compare where it really matters.

A Category Created By An Established UK Lender

Since 2014, Cashfloat has operated as a fully authorised direct lender. No brokers. No hidden networks.

Designed For Your Financial Well-being

Not a quick turnover product — structured to support responsible borrowing with clear repayment plans.

Fast Funding Backed By Real Underwriting

Most approvals are within 30 minutes, never compromising on proper assessment or transparency.

Trusted By Over 500,000 People In The UK

Thousands have helped cover unexpected expenses without the risks commonly linked to short-term lenders.

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!

Before choosing your loan, take a moment to compare Cashfloat with other UK lenders — the table below shows exactly where we stand out.

Feature
Cashfloat Loans
Generic Payday /
Short-Term Loans
Easy Start System (ESS) – Reduce your first repayment for an easier start
Dynamic Repayment Plans – Adjust your repayment schedule when life changes
Close Your Loan Anytime – No penalties or early-settlement fees
Secured Loan Control Hub – Manage your loan instantly online
Friendly UK-Based Support Team – Real people who actually help
Established UK Direct Lender (Since 2014)

(many are offshore or broker networks)

FCA Authorised & Regulated

(not all are regulated; many operate via intermediaries)

Transparent, Fair Pricing – No hidden fees
Responsible Borrowing Approach – Affordability checks to protect you
Fast Funding – Often within 30 minutes
/

inconsistent

Cashfloat Loans give you the speed you need with the safety, support, and transparency you deserve — the responsible UK alternative to generic payday lending. If you’re ready to get your Cashfloat Loan, let’s start.

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
APPLY NOW
  • 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
APPLY NOW
  • 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
APPLY NOW
  • 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.
Calculate Now
  • 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
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.

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

A Decade of Trust. A Better Way to Borrow.

Over 500,000 people have already experienced the Cashfloat difference. In more than 10 years of operating in the UK, we’ve become a central pillar of trust in the lending market. Borrowers choose us because we make borrowing simple, transparent and fast — backed by a UK team that genuinely cares. If you’re ready for a better loan experience, start your Cashfloat application now.

4.82 based on 904 reviews
Cashfloat Loans — the responsible UK alternative to generic payday lending.

Cashfloat is a trading style of Western Circle Limited - Company Registration Number: 7581337. We are fully authorised and regulated by The Financial Conduct Authority. FCA full permission license: 714479. ICO Registration Number: Z3305234


* Cashfloat terms and conditions apply. Applicants must be 18 or over. All loans are subject to affordability, applicant verification and traditional credit checks via various national databases by Cashfloat responsible lending policy. In most cases, loan decisions may take up to 30 minutes during office working hours. If your bank does not support Faster Payments, funds will be sent to your account the same day as approval so long as you’re approved by 16:30.


*Money will be funded to your bank within 1 hour of approval - Mon-Fri during working hours.


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


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