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
We’re Transparent And Honest
We clearly disclose all terms and conditions and we stand by what we promise.
We’re Fair
We ensure fair treatment for all customers regardless of their financial background.
We’re Responsible
We will only offer products that meet the genuine needs of borrowers.
What customers say
Hassle free loans up to £1,500
For those unexpected emergencies or when life just catches you off guard
Bad credit welcome
Repay early anytime
No upfront fees
Responsible, Regulated Lending at Cashfloat
Cashfloat operates as a UK consumer credit lender within a clearly defined regulatory framework. We are authorised and regulated by the Financial Conduct Authority (FCA) and our lending activity is governed by UK consumer credit law. This regulation exists to ensure borrowing is offered responsibly, transparently, and with appropriate consumer protections in place.
You can learn more about how this regulation applies to Cashfloat, including what FCA authorisation means for borrowers and the standards lenders must follow, on our FCA authorisation and regulation page.
Before any borrowing is offered, lenders are required to assess affordability and creditworthiness to help prevent financial harm. At Cashfloat, these assessments are designed to ensure borrowing is suitable for a customer’s circumstances, not simply based on the amount requested. We explain how these checks work and why they are required under FCA rules in more detail on our affordability and creditworthiness page.
Consumer protection also includes the right to raise concerns and have them handled fairly. Cashfloat has a formal complaints process in place, and customers have access to independent dispute resolution if a complaint cannot be resolved directly. Information about complaints handling, consumer rights, and the role of the Financial Ombudsman is available on our complaints and consumer rights page.
We also recognise that financial circumstances can change. FCA rules require lenders to support customers who experience financial difficulty, and to treat these situations with care and consideration. The support available, alongside our approach to responsible lending, is outlined on our support during financial difficulty page, along with links to independent guidance and help.
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.
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
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.
- We offer loans ranging from £300 to £1,500.
- Flexible repayment terms from 3 to 9 months.
- Quick and easy online application.
- Repay early at any time with no extra fees.
- Tailored customer support.
- Easy to understand and transparent loan agreements.
Our work beyond payday loans
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
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.
Cashfloat’s debt management 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.
Cashfloat’s benefits guide
Get a Cashfloat loan today
Apply with a lender who cares
All credit scores considered
No guarantor is needed
Direct lender loans
Get money in bank same day as approval
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.
