Borrow Money Online

Every person in the UK with a bank account and proof of income should be able to apply to borrow money online. Here at Cashfloat, we offer £300 - £2500 for up to 9 months. Try the Cashfloat borrowing experience, and you will never call your bank again.
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 repayments can cause you serious money problems. For help, go to
Borrowing money online shouldn’t be difficult or complicated. At Cashfloat, we’re constantly working to make taking out a loan an easy experience for our customers. Our online application process is fast and simple, with most people completing an application in three minutes. We give instant approval decisions and we fund loans on the same day. Usually, we fund them within an hour of approval!
We also offer flexible monthly repayment plans, and we accept applications from people with poor credit scores. Apply for a Cashfloat loan today, and get the funding you need fast.

How much money can I borrow?

After you apply, we have to run credit and affordability checks before we can approve your application. The amount of money you can borrow will ultimately depend on the outcome of these checks as well as the emergency you need the money for.

We specialise in payday loans from £300 to £1,500 and small personal loans of £1,000 to £2,500.

We specialise in loans from £300 to £1,500, and up to £2500 for our small personal loans.

How long can I borrow money for?

What are my borrowing options?

  • What do I need the money for?
  • Can I wait until my next payday, or do I need money now?
  • Am I able to borrow money from a friend or family member instead of a lender?
  • How much do I need to borrow?
  • Will I be able to afford the interest payments and my day to day expenses?

If you do decide to go ahead and apply for a loan, there are many loan options available. Click on the links below to find out more.

Can I borrow money from Cashfloat?

Cashfloat provide loans to everyone in the UK as long as they meet our eligibility criteria:

  • Be 18+ years
  • Hold a valid UK bank account
  • Have a regular source of income
  • Pass our creditworthiness assessment

Why Choose Cashfloat?

Cashfloat offers a streamlined process for borrowing money with loans ranging from £300 to £1500. Once you have completed the payday loan application form, you will receive a provisional lending decision. If approved, money can be in your account within an hour*. We also specialise in bad credit loans, so having a bad credit rating should not hold you back from being approved for a loan today.

Cheaper borrowing alternatives

Borrowing short term credit is expensive because it is a form of high-cost credit. If you want to borrow money with cheaper interest rates, see if the options below suit you.


What is the cheapest way to borrow money fast?

The cheapest way to borrow money would be to get a low-interest credit card or an interest-free loan. As great as these sound, they do not really exist. However, you may have family and friends that you can ask for an interest-free loan. Remember, when you borrow money from family, they are not a lender; they trust you. Be careful not to abuse that trust – make sure to pay back the money when they expect it back. It’s not worth scaring relationships because of money.

Can I borrow money with bad credit?

There are many ways to borrow money, even if you have a bad credit score. The best way for you to borrow money will depend on how much money you need and what you want the money for. If you need a short term loan to fix an appliance or for an emergency and you have a bad credit score, a payday loan online from a direct lender will probably suit you best. Many of our customers have a bad credit score. As long as you are able to make the repayments, you can apply with us. Remember, do not be attempted to borrow a loan with no lending check from an online lender, even one that has a low interest rate, – as an FCA requirement, lenders must perform a responsible lending check on all applicants.

How does Cashfloat lend money online?

Cashfloat has a smooth and straightforward loan process. The application is submitted online, where you will get an instant decision. Once approved and the credit agreement is signed, the money should be in your bank account within 1 hour*. Repayments are made monthly. If you are encountering any problems paying back your loan, please contact us immediately so we can help you.

Sometimes, we may not be able to lend to you. However, with your permission only, we will act as an authorised credit broker and forward your details to other loan companies which may be able to offer you a loan.

Will taking out a loan affect my credit report?

Applying for and taking out short term loans will affect your credit file and credit rating in some way. Most lenders will do a hard credit check on the applicant once they have applied for a loan. If you manage to pay your loan on time, it can build you a good credit rating. However, if you show you are having problems making the repayments, a poor credit history may develop on your credit file. Either way, applying for a loan or taking out a loan will always leave a credit footprint.

Note: It’s recommended to check your credit report for mistakes before taking out a loan. You can get this free yearly from leading Credit Reference Agencies in the UK.

What loans should I be cautious about when borrowing money?

What should I do if I can not meet the loan repayments on time?

Sometimes financial circumstances may change, and you may struggle with the repayment terms of money borrowed. It’s essential to contact your lender as soon as you think you will have problems with repayments. Most lenders will be understanding and may be able to offer you lower interest rates or an interest-free period. For help with debt problems or loan repayments, go to

How can I borrow money online safely?

Keeping safe online when applying for a loan is one of the most important things you can do for yourself and your financial stability. When researching a potential lender, there are a few things you can look out for on their website which will show their legitimacy. Check if their full contact details are clearly written and if they are registered with the Financial Conduct Authority on the Financial Services Register. You should be able to click on the registration number, which will take you to the FCA website. Another safety measure you can take when looking to borrow money safely online is to look if the website has HTTPS (the secure connection). If you can not see the padlock sign next to the URL, then keep out the website. For more information on borrowing money safely, click here.

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Repayment total

Repay over: 3 months, 2 monthly repayments of: £246.66, last month repayment of: £246.67