PRNewswire – Can a Moral Payday Lender Exist? One Innovative Lender has the Answer!

- by Kelly Richards
Press release can a moral lender exist?

LONDON, September 13, 2016 /PRNewswire/ —, a trading style of Western Circle Ltd (WCL), has released a series of e-books containing in-depth information and advice about a range of financial topics, aiming to empower UK citizens with the knowledge needed to allow them to take control of their finances and make the right decision.

Cashfloat has made a name for itself as a moral and innovative lender. Their recent move to introduce dynamic payday loans has already helped customers save hundreds by repaying early. However, Cashfloat are taking this a step further by providing excellent educational materials for free, helping UK citizens manage their finances without needing payday loans.

“Our overall goal is to help as many people as possible,” says Jeremy Lloyd, Director at WCL. “Many people think of payday lenders as money-hungry, cold-hearted, legal loan sharks. We’re not like that at all. When people turn to us, we want to help them as much as possible, so we encourage them to save money through early repayment. But we also want to help them before they turn to us, so we produced these free e-books to help them avoid payday loans altogether.”

The guides cover a broad range of financial topics. Some of the guides deal specifically with payday loans and credit, such as the ‘APR explained’ guide, which gives a clear and detailed explanation of how APR works, and the ‘Online Loan Safety Guide’, which contains several ways of checking that an online lender is authentic and reliable, ensuring the reader’s safety online.

Other guides are intended to help the reader make informed choices about their financial lifestyle, with a focus on specific areas. Day-to-day finances for a family are discussed in depth, as are ideas for saving and maximising your child’s education on a budget. There is a guide for those who have lost their jobs, a pensions guide which provides invaluable information about all aspects of pensions, and a guide on debt management. The guides are easily accessible on the ‘Education’ page of Cashfloat’s website, here.

About The Author
Kelly Richards
Kelly Richards is the founder of the Cashfloat blog and has been working tirelessly to produce interesting and informative articles for UK consumers since the blog's creation. Kelly's passion is travelling. She loves her job because she can do it from anywhere in the world! Whether inspiration hits her while sitting on the balcony of a French B&B, or whether she is struck with an idea in a roadside cafe in Moscow, she will always make sure that the idea comes to fruition. Kelly's insights come from her knowledge gained while completing her degree in Economics and Finance as well as from the people she meets around the world. Her motto is: Everyone you meet has something valuable to teach you, so meet as many people as you can!
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Cashfloat is rated 4.82 stars by based on 601 merchant reviews

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601 Reviews
Thank you cash flow very quick and easy application very helpful staff no hassle
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Cashfloat is a trading style of Western Circle Limited - Company Registration Number: 7581337. We are fully authorised and regulated by The Financial Conduct Authority. FCA full permission license: 714479. ICO Registration Number: Z3305234

* Cashfloat terms and conditions apply. Applicants must be 18 or over. All loans are subject to affordability, applicant verification and traditional credit checks via various national databases by Cashfloat responsible lending policy. In most cases, loan decisions may take up to 30 minutes during office working hours. If your bank does not support Faster Payments, funds will be sent to your account the same day as approval so long as you’re approved by 16:30.

Representative example: Borrow £600 for 4 months, 4 monthly repayments of £247.68. Total repayment £990.71, interest rate p.a. (fixed) 270.10%. RAPR 997%.

Warning: Late repayment can cause you serious money problems. For help, go to

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