About Cashfloat

Welcome to Cashfloat! We opened our doors in 2014 because we wanted to help people borrow credit for emergencies. We were particularly interested in helping people with bad credit scores who find it hard to get hold of a loan. We recognise that payday loan borrowers are just regular people in unexpected situations. They just need the right help to be able to sort out their problems and get back on track financially. Unfortunately, lots of people never have that chance, particularly people with a poor credit score or people who can’t find a guarantor.

Our Values

Transparent

We’re Transparent And Honest

We clearly disclose all terms and conditions and we stand by what we promise.

Fair

We’re Fair

We ensure fair treatment for all customers regardless of their financial background.

Responsible

We’re Responsible

We will only offer products that meet the genuine needs of borrowers.

What customers say

trustpilot
★★★★★ 3.9 based on 359 reviews
“Easy to use and to get a hold of. Also good customer service and always happy to help in any way they can to make the repayments easier. Would happily use again if accepted and would highly recommend they service”
Customer – June 2025
“Excellent Service from start to end 🌟🌟🌟🌟🌟”
Shono Cullan – June 2025
“I had a very positive experience, the application process was straightforward, and the team was helpful and responsive throughout. Highly recommend for anyone looking for a reliable loan provider. “
Sindea – May 2025
Happy customer

Hassle free loans up to £1,500

For those unexpected emergencies or when life just catches you off guard

Bad credit

Bad credit welcome

Repay early

Repay early anytime

No fees

No upfront fees

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 credentials and certifications

Cashfloat is a trading name of Western Circle Ltd.

Our company is registered in England and Wales. Company number: 7581337

Authorised and regulated by the Financial Conduct Authority (FCA). Licence number: 714479

Information Commissioner’s Office Registration number: Z3305234

Cashfloat is a member of the Vulnerability Registration Service.

Registered address: Office 8, 2a Highfield Avenue, London NW11 9ET

Always putting our customers first

At our core, we are dedicated to supporting our customers by offering personalised loan solutions while ensuring their well-being is always prioritized. We understand that financial challenges can be stressful, and we’re committed to providing not only financial guidance but also access to vital resources and support for mental and emotional health.

Samaritans

Provides emotional support to anyone in emotional distress, available 24 hours a day, 365 days a year.

Call 116 123 samaritans.org
Caml

Provides advice & information to anyone who is struggling or in a crisis – Everyday – 5pm to midnight

Call 0800 585 858 thecalmzone.net
Anxiety Uk

Supports those affected by anxiety and anxiety disorders – Monday to Friday 9am – 5.30pm

Call 0344 477 5774 anxietyuk.org.uk
Mind

Provides information and support affected by mental health conditions – Monday to Friday 9am to 6pm

Call 0300 123 3393 mind.org.uk
Cruse

Support, information and advice to bereaved people – Monday to Friday 9.30am to 5pm, Tuesday, Wednesday & Thursday 9.30am to 8pm.

Call 0808 808 1677 cruse.org.uk
Carers

Provides advice, information and support to carers – Monday to Friday 9am to 6pm

Call 0808 808 7777 carersuk.org
Relate

Provides relationship support – Monday to Thursday 9am to 7pm, Friday to Sunday 9am to 5pm

Call 0300  003 2972 relate.org.uk
Frank

Provides information about drugs – 24 hours, 7 days a week

Call 0300 123 6600 talktofrank.com
Drinkaware

Provides information to help those who have a problem with alcohol – Monday to Friday 9am to 8pm, Weekends 11am to 4pm

Call 0300 123 110 drinkaware.co.uk

Accessibility & Support for All

We use Relay UK to help people with hearing or speech difficulties contact us easily.

Dial 18002 020 3757 1933 or use the Relay UK app.

Meet The Team

Peter Kimpton

Since day one, Peter Kimpton has been an integral part of Cashfloat, starting as a consultant and later becoming a full-time member of our leadership team in 2016. His role at Cashfloat involves overseeing and managing all the operational and commercial aspects in the UK and Europe. Peter’s expertise and leadership contribute to the smooth functioning and exceptional performance of our business.

PETER KIMPTON
Chief Operations Officer
info@cashfloat.co.uk
Cheryl McKenzie

Cheryl brings 20+ years of experience in underwriting and collections. She works closely with customers and debt support organisations.

Cheryl McKenzie
Head of Underwriting
underwriting@cashfloat.co.uk
Richard Sherlock

Richard leads compliance at Cashfloat, with a background in consumer credit and enforcement. He’s passionate about doing things right.

Richard Sherlock
Compliance Officer and Data Protection Manager
dataprotection@cashfloat.co.uk

Got more questions?

Check out our FAQ page for everything you need to know before taking a loan with us. Our friendly and experienced customer success teams are always here to guide you through your borrowing journey.

6 reasons customers choose Cashfloat
  1. We offer loans ranging from £300 to £1,500.
  2. Flexible repayment terms from 3 to 9 months.
  3. Quick and easy online application.
  4. Repay early at any time with extra fees.
  5. Tailored customer support.
  6. Easy to understand and transparent loan agreements.

Our work beyond payday loans

Cost of living crisis

Cost of living crisis

The cost of living crisis, which hit the UK in late 2021, is having a tremendous impact on everyone in the country. Cashfloat is here to help. On our dedicated cost of living page, you’ll find advice on where to turn if you need financial help.

Cost of living crisis help
Debt management guide

Debt management guide

Cashfloat has created the ultimate guide to debt management in the UK. If you are struggling with debt, this guide will help you navigate through debt management plans and find the best resources to regain control of your finances.

Cashfloats debt management guide
Benefits guide

Benefits guide

Cashfloat has researched benefits in the UK, including Universal Credit, disability benefits, pension schemes and others like bereavement support. Read our guide, and stay informed. Apply for any help you’re entitled to as well.

Cashfloats benefits guide

Get a Cashfloat loan today
Apply with a lender who cares

All credit scores considered

All credit scores considered

No guarantor is needed

No guarantor is needed

Direct lender loans

Direct lender loans

Get money in bank same day as approval

Get money in bank same day as approval

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.

Londong Wave