6 Month Loans

Looking for a 6 month loan to pay for an unexpected bill? Get the cash in your bank account within 1 hour* and repay in 6 easy monthly instalments!
Apply now for a 6 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%.

Are you looking to borrow money for an emergency that you can repay over 6 months? Get up to £2500 loans in your UK bank account within 1 hour* and repay in 6 manageable monthly instalments. We are a trusted payday loan direct lender that provides flexible repayment terms no matter your credit score.

33,265 people
have already borrowed
6 month loans
from Cashfloat.

Whether you need to borrow money for an emergency expense or car maintenance, Cashfloat can get you the cash you need fast. All you need to do is apply here, and you’ll get an instant decision.

Receive the money within one hour* if approved
Loans for poor or bad credit
No extra fee for early repayment
Apply now for a 6 month loan

How much can I borrow for 6 months?

With Cashfloat, you can borrow 6 month loans of amounts between £700 and £1500. The repayments will be six equal monthly amounts, so make sure you can afford the monthly repayment by using our affordability checker.

Can I get a 6 month loan with no credit check?

We don’t offer loans with no credit check because they can seriously damage your finances if you can’t afford them and can lead to serious money problems. Any reputable lender will perform a credit check, as they care about your financial safety.

Before applying with any lender, make sure that they are regulated by the Financial Conduct Authority, with an FCA reference number clearly visible on their website. You should also check that their details are listed on the Financial services register.

Note: We recommend you to try and improve your credit rating before applying for credit, as this will increase your chances of approval.

How quickly can I get a 6 month loan?

Your application could be processed within a few minutes, once approved and you have signed the consumer credit agreement, you could receive your loan within one hour. As a regulated lender, Cashfloat have to check that you can afford the loan, and therefore don’t offer instant loans. However, we do provide instant decisions so you know where you stand with your application.

Can I apply for a 6 month loan with a poor credit history?

Yes, at Cashfloat we offer unsecured loans for bad credit over 6 months, as long as they have a steady income including benefits. Be aware that loans will cost more if you have fair or bad credit record, so it’s important that you use a loan calculator or eligibilty checker to check that you can afford the repayments.

Please note: Payday loans should never be a long-term solution to serious money problems. If you are in debt or struggling financially, contact stepchange for free debt advice.

57% of people who borrow 6 month loans are Male
59% of people who borrow 6 month loans are Single
Average age for people who borrow 6 month loans is 35 years old
Most common job fields for people who borrow 6 month loans are Sales, Customer Service and Warehouse
Top 3 cities where people who borrow 6 month loans live: London, Birmingham and Manchester
People who borrow 6 month loans earn an average of £2,059 a month

Can I apply for 6 month payday loans when on benefits?

Cashfloat offers loans to the unemployed, as long as they have a steady source of income such as benefits and pass our affordability test. However, since short term loans in the UK are expensive, it’s worth checking if you are getting all the benefits you’re eligible for before applying for a loan.

Why should I rather borrow 6 month payday loans from direct lenders?

Brokers have to send your application to several direct lenders and wait for them to process it before getting back to you with the available loan options. Direct lenders process the application themselves, making the application process much quicker. Borrowing with a direct lender also saves you from paying a brokerage fee. When you apply with Cashfloat, you get the best of both worlds. We are first and foremost a premium direct payday lender in the UK. If we can’t fund the loan ourselves, we can activate our credit broker service to help find you another lender.

Am I eligible to borrow a 6 month loan from Cashfloat?

Before applying for a short term loan with us, make sure you meet the following criteria:

• Hold a UK bank account
• Be living in the UK
• Be 18 years +
• Have a steady source of income

Where can I get the best loan rates for 6 month loans?

Cashfloat offer fair loan rates for those who want to borrow a loan for 6 months. Depending on your personal circumstances, when you apply for a loan, you should not only take into account the best loan rates and representative APR, but you should also think about whether the lender charges upfront fees, and if you will get charged additional fees to close your loan early. Cashfloat is a transparent lender with no hidden fees, and you can always repay your loan early to save on interest at no extra cost.

Do Cashfloat offer payday loans over more than 6 months?

If you need a loan where you get that bit longer to pay it back, have a look at our small personal loans. These are lower interest loans, and are available in amounts between £1000 and £2500 for 6 or 9 months. Again make sure that you can afford the monthly repayments.

Are Cashfloat loans for 6 months available 24/7?

Our online application form is accessible all day every day, and we process applications as quickly as possible. If you apply on a bank holiday or weekend, we will review the application on the next working day.

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