Need a small loan to pay for a bill that just cropped up? Get a small payday loan up to £1,500 today with a trusted direct lender. We offer instant decisions and fast payout on all our loans. It takes around 3 minutes to complete the application. The Cashfloat Team have already helped over 100,000 people by providing them with money fast to cover emergency expenses, and we look forward to helping you out too!


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How do small loans work?

At Cashfloat, our small payday loans start with completing a straightforward online application form. This will just take a few minutes of your time. Once you apply, you will receive an instant decision of your loan status. Our team of expert underwriters will then run several credit and affordability checks to determine whether you can afford the loan repayments without harming your financial stability. If approved, the money will be funded into your bank account within the hour*.

Can I apply for a small loan with bad credit?

Of course! Cashfloat weighs affordability over your credit score. We believe that your credit score is just a number. If you can afford the loan repayments and as long as borrowing money won’t harm you financially, we will happily consider your small payday loan application. Apply now, and join thousands of UK customers that we’ve helped, even with a less than perfect credit.

Am I eligible to apply?

To get a payday loan from Cashfloat, you must be:

  • A UK resident
  • Above 18 years old
  • Hold a UK bank account
  • Have a steady source of income

If you meet all of the criteria above, and you pass our affordability assessment, you will have a very high chance of getting approved. An eligibility checker and a small loan calculator won’t be necessary to assess your eligibility.

What can I use little loans for?

Little loans could be useful in a variety of situations:

Since small loans are usually just a couple £100’s and paid back over a few months, they are a perfect solution for cash emergencies.

How do the repayments work?


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Advantages of getting a small loan online from Cashfloat

There are many advantages of borrowing a small loan online with Cashfloat. Here are a few:

  • Seamless service – As a premium direct lender, we will provide you with a small loan fast, online. You will get an instant decision and if approved, funding within an hour*.
  • Flexible loan amounts – Instead of borrowing more than you need or trying to stretch an insufficient loan, you can choose the amount you need to cover an emergency expense up to £1500.
  • Transparent terms – There are no hidden fees when applying for a loan with us. All our loan terms are entirely transparent. If you choose to repay your loan early to save on the interest, we will not charge you any extra fees.

FAQ’s

Can I get a small loan with a low APR?

Small loans with low-interest are usually provided to people with a good credit score, and to those who borrow a significant amount. At cashfloat, we have a new easy start option which has reduced the APR on all our loans making credit more affordable in the UK. Easy-start lets you make a small payment towards your loan on your first payday, helping you get your finances back on track before the first big payment is due. We have also added an extra interest-free month to give you more time to repay your loan. Click here to apply for our affordable and cheaper small loans with lower interest, from Cashfloat.

How fast can I get my small loan?

We provide small pay day loans UK with an instant lending decision and funding within the hour* if approved. We have designed our loans to help people during times of emergency. Our small same day loans have already helped hundreds of thousands of people pay for unexpected situations. Need money now to help you overcome a financial hurdle? Apply with Cashfloat, and if approved, get the best quick small loans today!

Can I get a small loan with no credit check?

Small loans with no credit check are not recommended in the UK. Most lenders that offer these loans are not FCA authorised and definitely do not care about your safety. But don’t worry! Our high acceptance loans is a safe alternative for people with poor credit score, and the instalment based repayment plan makes our loans more affordable.

Can a small loan improve my credit rating?

Yes, taking out a loan can have both a positive or negative impact on your credit profile. This will depend upon how you manage your repayments. If you make your repayments on time, taking out a loan can help to improve your credit rating because you are showing that you are responsible with your money. On the other hand, if you are late with the payments or miss them altogether, this can negatively affect your credit rating. If you would like more useful information on improving your credit rating, go to Cashfloat’s all new improve my credit score page.

How do I know if I am applying with a safe lender?

There are several ways to check the security of a website;

  • Make sure that there is a padlock in the URL bar.
  • Check that the lender has a valid FCA number, and confirm that they match the details that are listed in the Financial Services Register.

Taking basic safety precautions when applying for a loan will go a long way towards keeping your personal and financial details safe.



What are small loans?

A small loan in the UK can be defined as an unsecured loan up to £1,500 that is repaid within 9 months. Small loans are a financial product designed to help you out when you have an unexpected expense and need a quick cash injection to help you get your finances back on track.


Representative example

Total amount of credit: £700
Duration of the agreement: 6 months
Repayment total: £1,179.05
Interest is Fixed at rate of 185.39% per year | Representative 611.74% APR
£168.45
Installment 1
£224.60
Installments 2 — 5
£112.20
Installment 6