Need a loan urgently? Can’t get a loan anywhere?

We know that life doesn’t always go the way you plan it. Appliances break, medical bills need paying, cars need urgent repairs, and other problems come up as well. Usually, things go wrong at inconvenient times, and sometimes, everything goes wrong at the same time. We understand where you’re coming from, and we’re here to help you get back on your feet. We want to give you the peace of mind you need, knowing you can cover your unexpected expenses.

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.

We believe in our customers, and we founded Cashfloat to give them a chance to succeed.



We listen, we understand, and we’re here to help.  Even if you’ve got a bad credit score, we’re committed to getting you the money you need at top speed. And if we can’t help, we’ll find you another lender who can.

We listen, we understand, and we’re here to help. Even if you’ve got bad credit, we’re committed to assisting you in your time of need. And if we can’t help, we’ll find another lender who can.

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.

Covid ‘19 pandemic report

We analysed a quarter of a million loan applications to find out who needed financial help during the pandemic. Look through our report to find out how the pandemic affected people’s disposable incomes.

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.

Who is Cashfloat?

Cashfloat is a trading name of Western Circle Ltd, a responsible short term loan provider in the UK since 2014. We’re fully authorised and regulated by the Financial Conduct Authority (FCA).

Our FCA full permission licence number is: 714479
Our company is registered in: England and Wales under company number 7581337
Information Commissioner’s Office Register: Registration number Z3305234

Meet the team

Peter Kimpton
Chief Operations Officer

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.

Cheryl McKenzie
Head of Underwriting

After 4 years working on cruise liners as a fitness instructor, Cheryl took a different career path and started her finance career with a local high street bank as a junior underwriter. Cheryl has 20 years of experience in underwriting, collections and complaints handling, and she liaises with debt management and IVA companies to ensure correct procedures are followed. When not at work, Cheryl loves to spend time in nature, either gardening or just going for a relaxing walk.

Richard Sherlock
Compliance Officer and Data Protection Manager

With more than 15 years of experience in the finance industry, Richard is an expert in consumer credit compliance, collections and underwriting. He has worked across multiple sectors, including banking, consumer credit, high court enforcement and high-cost short-term credit, gaining valuable experience throughout his career. Richard is an avid fan of Chelsea FC, and when he’s not busy watching a game, you may find him cooking in his kitchen listening to music from the 80s.

Cashfloat’s Services

Direct Lending Apply for a direct lender payday loan, small personal loan or small business loan directly with us!
Brokering Services If we can’t give you a payday loan ourselves, we’ll help you find someone who can help by acting as a credit broker.
Credit Repair If we can’t approve you or find you a lender, we’ll redirect you to a service where you can repair your credit under a free trial.
Verified Buyer

Outstanding site and (cyber) service. My credit is not brilliant but I needed help this month. Very pleased with this company, very efficient. I like the fact that you are able to add notes to be considered as my situation is a little different. Thanks Guys!!!

Miss Nicola K
Verified Buyer

Quick, easy and no annoying calls! Really helped me out in a time of desperation, and I’m grateful for that. Thanks!

Verified Buyer

Excellent customer service, no time wasting. Form filled and funds transferred within hours. My salary had a huge deduction for unpaid leave and I needed to fix a problem with my car! Thank you for rescuing me as I need to travel 45 miles every day for work. Many thanks Cashfloat.

Mr Darren B
Verified Buyer

Extremely quick and easy to apply and the loan was with me in no time. Really helped me out when I needed it most. Certainly recommend

We’ve helped over


people in the UK
get the money they need, fast