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 loans are available for 3 to 9 months depending on the loan amount - rates between 295.58% APR and a maximum APR of 1294%.
Warning: Late repayment can cause you serious money problems. For help, go to
Welcome to Cashfloat, a UK’s trusted direct lender.

If you are reading this page you are probably looking for a loan. let us assure you that you are in the right place! you can start your application now and get funded today once approved. or you can read a bit more about us. we already helped over 300,000 people in the UK. Enjoy the Cashfloat experience.


Our loan process

Cashfloat’s loan process is simple and easy to navigate. There are some great aspects of our loan process that our customers have used us again and again for. We offer more installments with smaller repayments, a hassle free online application, no hidden fees, and on top of that a great customer service.


A step-by-step guide to how it works

Select the amount you want and fill out our online application form


Receive an instant lending decision


If approved, you can receive your money the same day


Make your monthly repayments tailored to you

How much can I borrow?

With Cashfloat you can borrow from £300 to £1500. Being a short term direct lender, you can pay back your loan in up to 9 instalments. We encourage our customers to pay back the loan as soon as they can so they can avoid paying unnecessary interest.

Amount Duration
£300 – £350 3 months
£400 – £550 3-4 months
£600 – £650 3-5 months
£700 – £900 3-6 months
£950 – £1100 4-6 months
£1200 – £1300 5-6 months
£1400 – £1500 6-9 months

These terms are without our Easy-Start feature enabled. Easy- Start will allow you to add more time to repay your loan without adding any extra interest. You can check loan amounts, durations, and estimated repayments using the loan calculator.

Remember: All Cashfloat loans can be paid early at any time with no penalty.

How do I apply?

Am I eligible for a Cashfloat loan?

As a responsible lender, you must meet the following criteria before applying for a loan with us:

  • Be a UK resident
  • Have a UK bank account
  • Be over 18 years old
Application help FAQ’s

I’ve been pre-approved for a loan, what’s next?

If your loan has been pre-approved, that means it has passed our initial checks but an underwriter still needs to manually review it. You should receive a final decision within 4 hours, although it can sometimes take longer. You can always speed up the process by calling us on 0203 757 1933 and pressing option 1.

If we need further information from you, you will be contacted within 1 business day. You can track the progress of your application via the link sent to you by email.

How long does it take to get funded?

Once your payday loan application is approved, you’ll be funded within 1 hour.
If we’ve received all the information we need, it can take up to 4 hours to receive a final lending decision. Sometimes we need additional information from you. If this happens, we’ll contact you within 1 business day.

If you’d like to speed up the process, you can do this by calling us on 0203 757 1933 and pressing option 1 to speak directly to a loan underwriter.

How do I check the status of my application?

To check the progress of your application, follow the link sent to you via email.

You’ll be directed to a screen that shows exactly what you need to complete. If everything has already been completed and you have still not been funded, it means that the application is waiting to be manually reviewed by a loan underwriter. This can take up to 4 hours.

Whatever status your application is in, you can always speed things along by calling 0203 757 1933 and pressing Option 1 and speaking directly to a loan underwriter.

Why have I been declined for a loan if I’m a repeat customer?

If you are a repeat customer of ours with a good payment record, you may still be declined for a loan. Even if you pay off all your loans on time or early, we may still decline you in order to ensure that we are lending responsibly. This sometimes means:

  • Declining someone if they apply for too many loans in a short period of time
  • Declining someone after too many consecutive loans (even if they are spread out over a long time)
  • Declining someone after suspecting a reliance on High-Cost Short Term Credit.

Our decision cannot be reversed. If you’re a repeat customer of ours who has been declined, we recommend taking a break and applying again in 60+ days if you need it.

Will you contact my employer when I apply for a loan?

We rarely contact employers during the loan application. In exceptional cases, we may contact your employer for specific reasons:

  1. Employment verification: Occasionally, if we can’t verify your employment through other means, we may contact your employer solely to confirm your employment status. We will NEVER divulge who we are or why we are calling!
  2. Application clarification: If we need to clarify details on your application and cannot reach you through provided contact information, we may contact your workplace. Our goal is solely to speak with you and not discuss loan matters with anyone else.
  3. Repayment issues: In the event of non-payment, we will make every effort to contact you through multiple channels. If we repeatedly fail to reach you, we may, as a last resort, contact your employer to establish direct communication with you.

Your privacy and the security of your personal and financial information are of utmost importance to us at Cashfloat. We maintain strict measures to protect your data throughout the loan process.

Can I top up my loan?

We do not offer top-up loans, however, you are welcome to reapply anytime once your current loan has been repaid. If you do decide to settle your loan early, please remember that we cannot guarantee that you will be approved even though you’ve just had a loan with us.

I have a loan but am having financial difficulty. What should I do?

There are a few ways we can help you manage your loan repayments if you are in financial difficulty. Please contact our team on 0203 757 1933 and we can discuss your options.

If I recently moved house, which address do I put?

If you’ve recently moved houses (ie: in the past 6 months), it could affect your chances of approval. To make sure your application is submitted correctly, you should:

  1. Apply with your old address
  2. Leave a note for our underwriters explaining that you’ve moved house, and giving your old address. You will be able to write to the loan underwriters after you submit your application and confirm your email address. It will look like this:

If you don’t see this screen, send an email to instead. If you have any questions at all, feel free to contact us on 0203 757 1933 (option 1) and we’ll be happy to answer any questions.

Can I pay my loan off weekly?

No, we do not currently offer repayment plans in weekly instalments.

What happens if I’m in arrears?

Arrears occur when you fail to make your scheduled repayment on time. In this situation, we will send you an arrears letter to alert you that you have missed a payment and that you must make it as soon as possible.

The arrears letter will provide details of your overdue payment, and you should make sure that you read it carefully. It will also explain the consequences of not making the payment, including potential additional fees and charges, as well as the possibility of legal action.
If you are in arrears, it is important to contact us as soon as possible to discuss your situation and come to an arrangement. We may be able to offer you a repayment plan that is more suitable for your current circumstances.

If you do not contact us or make the payment within the timeframe specified in the arrears letter, then your account may be referred to a debt collection agency. This could result in further fees and charges, as well as a negative impact on your credit score.

Cashfloat’s Open Banking Service

We have just launched our new Open Banking service with our FCA authorised partner, With this new service, we can minimise application processing time to get your loan funded even quicker. Once you have been pre-approved for your loan, you will need to provide your name and phone number and then select your bank. Following this, you will be asked to verify yourself using “Open Banking”. Your bank will then work together with using Open Banking API’s to get us the information we need. are an Account Information Service Provider (AISP) regulated by the FCA. shares data with us using Open Banking, in a safe and secure way. With, the customer is in charge, and they have the power to retract access at any time from providers you have previously given access to. With, you are in control of who has access to your data.

Cashfloat’s new ‘Easy Start’ Feature

“People need payday loans, but can we make them more affordable and manageable?”
This is the question we asked ourselves as the drawbacks of direct lender payday loans became more and more evident in 2019. One of the biggest problems with payday loans is that people were finding that the first payment came too soon – even before they managed to get back on their feet. Sometime the hefty first repayment crippled them – couldn’t lenders just give them a break? So we came up with ‘Easy Start’.

With Cashfloat’s ‘Easy Start’ Technology, you get to pay less on your first instalment, making your loan repayments more manageable and allowing you time to get back on your feet. Moreover, we do NOT charge any extra interest for the extra month that you’ll have the loan. Here are some common questions about our new feature:

FAQs about ‘Easy Start’

What is the ‘Easy Start’ feature?

The ‘Easy Start’ feature is a new way of setting up repayment plans so that our loans are more comfortable to repay. We add one extra payment but reduce the first payment to a more manageable amount. With a reduced first instalment, we hope to give you a more relaxed start to your loan repayments.

If the loan is longer, isn’t it more expensive?

No. The whole reason we introduced ‘Easy start’ was to make loan repayments more manageable without increasing the cost of the loan. The total amount you pay is exactly the same, just divided up more conveniently. This makes our loans easier to repay, and by far more affordable. In fact, you can see that the APR of your loan is much lower when using ‘Easy Start’.

Why are ‘Easy start’ repayments not equal?

We think that the first payment should be smaller, since this is the payment which is closest to the loan’s start date, and to the reason you took the loan in the first place. By giving you a first reduced instalment, we aim to provide you with more time to get your finances in order before you have to make a substantial payment on your loan.

Can I still pay early if I want?

Sure! We always welcome you to repay the loan as early as you want and save interest. If you repay an ‘Easy start’ loan early, it’s a double win for you! You get lower daily interest plus you save more interest because of early repayment.

What’s the catch?

There is no catch. Our goal is to make our loans more affordable and easier to repay. We hope you enjoy our new feature and we welcome any feedback!

How much do you need?
Other amounts

Need a payday loan quickly?
Let’s start!

Money Borrowed
Repayment total:

Repayment period: Three months, Two monthly payments of £ 246.66 , last month repayment of: £ 246.67