4 Month Loans

Need a 4 month loan to pay for a surprise bill? Get the cash in your bank account within 1 hour* and repay in 4 monthly instalments – All credit scores welcome!
Apply now for a 4 month loan
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%. All our loans are available for 3 to 9 months - rates between 295.58% APR and a maximum APR of 1294%.

Cashfloat’s 4 month loans range from £300 – £1500 and are designed to pay for small emergencies with manageable monthly repayments. Apply for our 4 month loans and have the loan amount in your UK bank account within 1 hour*, if approved – even with a bad credit score!

14,359 people
have already borrowed
4 month loans
from Cashfloat.

Whether you need to borrow money for an urgent medical expense or emergency home repairs, Cashfloat can get you the cash you need quickly. All you need to do is apply here, and you’ll get an instant decision.

Friendly customer service team available to assist via phone or email
Early repayment for free, saves you interest fees
No hidden fees, or extra costs that you weren’t expecting
Apply now for a 4 month loan

How much can I borrow for 4 months?

With Cashfloat, you can borrow amounts between £400 and £1500 over 4 months. The repayments will be four equal monthly amounts, so make sure you can afford the monthly repayment by using our affordability checker.

Can I get 4 month loans with no credit check?

As a responsible lender, we perform all the necessary credit and affordability checks before approving an applicant to ensure that our customers don’t damage their finances by taking loans they cannot afford. We don’t offer loans with no credit check because we have to confirm that you can afford repayments on any payday loan we approve. Don’t be tempted by lenders that advertise “no credit check loans” as they do not have your safety in mind, and the interest rates they charge will be costly.

Always check that the direct lender you are applying with has a valid FCA reference number on their website and that the details match what is listed on the Financial services register.

Why should I take 4 month payday loans from direct lenders only?

Applying with direct lenders such as Cashfloat means a quicker application process and, therefore, faster receipt of the money. Also, when applying with a direct lender, you can be sure that your personal details are not travelling further, whereas with a loan broker, they will often have to pass on your details to other lenders.

Can I apply for a 4 month payday loan when on benefits?

To apply for a Cashfloat loan, you need to have a steady source of income, and benefits fit that bill. However, since loans can be expensive, it’s worth checking that you are receiving all the benefits you are eligible for before taking out an instant payday loan from a direct lender.

59% of people who borrow 4 month loans are Male

60% of people who borrow 4 month loans are Single

Average age for people who borrow a 4 month loan is 35 years old

Most common job fields for people who borrow 4 month loans are Customer Service, Warehouse and Sales

Top 3 cities where people borrow 4 month loans: London, Manchester and Glasgow

People who borrow 4 month loans earn an average of £2,098 a month


Can I repay a 4 month loan early?

One of the benefits of taking out a cash loan online with Cashfloat rather than another lender, is that you can repay your loan early for free. This will save you all the interest you would have paid on the loan until the planned time of repayment. Many lenders charge an extra fee for early repayment, but with Cashfloat it’s free!

Are 4 month loans available 24/7?

You can apply using our loan application 24-7, any day of the year. We will process your application as quickly as possible. If you apply on a weekend or bank holiday, we will review your application on the next working day.

Can I get a 4 month loan with bad credit?

Yes, Cashfloat offer very bad credit loans over 4 months. We weigh affordability over your credit rating. As long as we see that you can afford the repayments, we will happily consider your loan application.

Do Cashfloat offer low interest alternatives to 4 month loans?

Since 4 month loans are a short term finance option, they are charged at high interest rates. If you’re looking for a cheaper option, and want to borrow £1000 or more, take a look at our small personal loans. They are available for 6 or 9 months,, for amounts between £1000 and £2500.

What if I can’t make a loan repayment on time?

As soon as you realise that it won’t be possible to make the repayment as scheduled, contact our customer service team and explain the issue. They will try to work with you to renegotiate a plan that will work for you.

Am I eligible to apply for a 4 month loan with Cashfloat?

Before applying for a loan with us, you must meet the following eligibility criteria:

  • Be living in the UK

  • Hold a UK bank account

  • Be 18 years +

  • Have a reliable source of income (this may include pension and benefits).

Does Cashfloat charge any fees for a 4 month loan?

We are a fair and transparent direct lender and will never charge fees for using our service even if we can’t fund you a loan. When you fill out your 4-month loan application, we will always show you the interest rate, RAPR and the total cost of the loan. There are no hidden fees, and you can always repay your loan early to save on interest at no extra charge.

Warning: Late repayments can cause you serious money problems. For help, go to moneyhelper.org.uk.