How it Works

Cashfloat is a direct lender, authorised and regulated by the FCA. We offer short term loans between £200 and £1100. Our online application process is easy to use and you will get an instant decision. We also offer bad credit loans, so apply today and benefit from our same day funding.


Our loan process

Cashfloat’s loan process is simple and easy to navigate. There are some great aspects of our loan process that our customers have used us again and again for. We offer more installments with smaller repayents, a hassle free online application, no hidden fees, and on top of that a great customer service.

Step 1


Select the amount you want and fill out our online application form

Step 2


Receive an instant lending decision

Step 3


If approved you can receive your money the same day

Step 4


Make your monthly repayments tailored to you




How much can I borrow?

With Cashfloat you can borrow from £200 to £1100. Being a short term, FCA authorised lender, you can pay back your loan in up to 4 instalments. We encourage our customers to pay back the loan as soon as they can so they can avoid paying unnecessary interest.

Amount Duration
£200-£2501-2 months
£3001-3 months
£350-£450 2-3 months
£500-£600 2-4 months
£650-£850 3-4 months
£900-£11004 months

How do I apply?

Cashfloat operates fully online. All you need is a few minutes of your time to complete the online application form. Once you have applied, we will carry out a series of credit checks and assess your affordability. We will then give you an instant decision. If approved, we will ask you for a few more details, and then you will be good to go. Once we have your extra details, money can be in your account within an hour.


Am I eligible for a Cashfloat loan?

As a responsible lender, you must meet the following criteria before applying for a loan with us:

  Be a UK resident

  Have a UK bank account

  Be over 18 years old

It’s good to know, you do not have to have the perfect credit score to apply with us. We believe in giving you a fair chance when you apply for your short term finance and look at more than your credit score when assessing your affordability for a loan. Apply today for a Cashfloat loan and get an instant decision. If you have any other concerns or questions, feel free to contact our customers service team by emailing client-service@cashfloat.co.uk or by calling us on 020 3757 1933.



Written by: Sarah Connelly
Last modified: